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From Lloyds of London Diary


His duty is to represent the assured; to discover his needs; to put his risks before the underwriters in as favourable a light as possible; to obtain the best terms for him when the insurance is placed; and (if there should be a claim) to arrange the settlement, collect the money from the underwriters and pay it out in the right quarter.

He must know the market; be able to select the most suitable underwriters for each risk; be sufficiently acquainted with the law to secure the contract of an insurance in its right form; prepare the policy and get it signed by the underwriter; give his help and guidance in the preparation of and handling of claims; and generally act as philosopher and friend to the clients who entrust him with their business.

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How Partnering with a Charity can be good for your Business

This is an extract from Steadfast Well Covered.

ARM Insurance are proud sponsors of MIRAA House –

Miraa House is a learning life skills centre for women aged 17yrs and over with an intellectual disability…..


How partnering with a charity can be good for your business

29 March 2017

Small businesses have often been among the first to dig deep when their community needs support and growing numbers of business owners are now taking the next step and building relationships with charities into their business plan.

Supporting a charity can reflect well on your business’s brand, and also provide new opportunities for customer engagement.

Supporting a charity can reflect well on your business’s brand, and also provide new opportunities for customer engagement. So it’s little wonder why so many small business owners are giving back.

In 2016, 70% of SMEs gave a total of $8.5 billion to charity, only slightly less than the $9 billion donated by large corporations, according to theGiving Australia 2016 report. On average, SMEs gave $5,800 each, mostly in the form of cash donations, however sponsorships and partnerships accounted for about 40%.

Wendy Scaife, director of the Australian Centre for Philanthropy and Non-profit Studies, who conducted the research, said the top reasons for giving are that it’s a good thing to do, demonstrates commitment to the local community and the personal and business values of the owner/manager.

That was certainly the case for Stacey Head, founder of ‘she wear’, which supplies footwear and accessories for women at work. “Giving to charity has always been important to me; I also believe it’s important to give back to the community,” she says.

Head has partnered with three charities close to her heart that she thought would also resonate with her customers – National Breast Cancer Foundation, the RSPCA and mental health organisation RUOK.


Plan your giving

Some companies choose to donate a fixed percentage of profits, while others give a flat dollar amount each year. Head donates $10 for every pair of she wear’s top selling ‘she achieves’ safety boots sold and lets customers choose which charity receives the donation.

“We support them financially and help them get their message across as well”, says Head.

The company’s giving program is featured on its website and customers receive a flyer with detailed information about their charity of choice with their purchase. She also actively promotes the charities on social media.

The Giving Australia research found that improved technology was strengthening giving administration and marketing. Innovations in online payroll systems are also making it easier for companies to encourage employee giving and volunteering.

Offering your staff the opportunity to volunteer helps build workplace morale and team bonding.Offering your staff the opportunity to volunteer helps build workplace morale and team bonding. It also provides team members with a sense of satisfaction that they are giving back to the community.

Before you begin a volunteering program, make sure you have a Group Accident insurance policy in place. This can cover your employees in the event of an accident outside the workplace in instances where workers’ compensation would not apply.

Group Accident insurance can also help your employees deal with the increasing costs associated with medical care, enabling you to deliver a comprehensive employee benefits package to your staff.

Contact your Steadfast insurance broker who can advise you further and arrange the appropriate level of cover for your business.

Meanwhile, Head admits that while it’s difficult to put a dollar value on the benefits of giving to charity, she said she receives positive feedback from customers on a regular basis. She believes charity partnerships and sponsorship of women’s conferences and events also helps position her brand in a positive light.

As Head points out, this is a win-win for the charities she supports, and also for her business.




  How to give to a charity:

  • Select charities that resonate with your personal values, the values of your company and your customers.
  • Plan a sustainable giving program.
  • Do your due diligence because your brand will be linked with organisations you support.
  • Leverage your owned social media channels to give charities and community organisations a voice.

Don’t Wait Till Disaster Strikes! Make Sure You Have Adequate Insurance Now

January 25, 2017/in News /

A state-wide blackout that crippled South Australia in September last year cost industry in the area over $367 million. According to a study recently released by Business SA, many of the affected businesses in the area did not have Business Interruption Insurance. Of those that did, more than half were not adequately covered for all of the losses incurred as a result of the unexpected outage. The report estimated that the blackout cost each business affected around $5,000.

Unfortunately, this is a common occurrence. In many cases, price-focused small business owners have to keep their costs down and as a result may not buy insurance at all or may only have cover in place for certain losses such as fire, theft, flood or vandalism. However, it’s important to bear in mind that these disasters will not only harm your business’ physical assets, but may also make it difficult to continue operations for an extended period of time. In fact, in the event of serious property damage, it’s not uncommon for the Business Interruption component of a claim to be greater than the cost of repairing the physical property damage.

Business Interruption Insurance covers lost income when a company cannot operate, after an insured event has affected them. While your Business Insurance may cover the costs of repairing or replacing important business assets, the process of doing so can take some time. In the period of time between the disaster striking and getting your business back on its feet, you may find your operations are restricted or completely unable to function, which in turn, is likely to cause a loss of profit. Depending on how badly your property has been damaged, you may lose cash flow and fall behind on bills, or you may have to pay staff extra wages as they work overtime to get the business back on track.

Business Interruption cover makes is possible to stay afloat while your business returns to full operating ability by covering costs such as paying your staff, taking care of debts and covering other costs associated with getting your business back on track.

A successful business depends on more than just a physical location and tangible assets. It’s important to ensure you are fully protected for these additional costs, so that you’re not left out of pocket if disaster strikes. Speak to your insurance adviser for more information on fully protecting your business.


Conditions apply for each policy and the information expected from you for a policy to trigger. Coverage may differ based on specific clauses in individual policies. Please ask your broker to explain the additional benefits and exclusions pertaining to your policy.

The information provided is general advice only and does not take account of your personal circumstances or needs. Please refer to our financial services guide which contains details of our services and how we are remunerated.

Important Information for providers of Air BnB and/or Uber Services

Important Notice for anyone who may be or considering starting up an Uber or Air BnB Service!

Due to the recent surge in Uber and Air BnB we have become concerned that you may have failed to advise either your Broker (ARM Insurance) or if directly arranged, your own Insurer, of changes to the use of your Motor Vehicle and/or Home and subsequently you may not realise that you do not have adequate or any insurance in the event of a claim whilst providing these services.

To ensure you are fully protected or aware of your exposures, we ask you to please contact our office if any of the following apply:-

UBER * Are you, your children or staff using any of your vehicles for the purpose of Uber?
If yes, do you have appropriate regulatory approval to be a ridesharing driver and have you disclosed this to
your Insurer/Broker?
* Have you had confirmation from your Broker/Insurer that your vehicle is Insured for Uber driving?

AIR BNB * Are you, your family or tenants using any of your properties for rental purposes including Air BnB?
If yes, do you do you have confirmation that your State or Territory’s planning laws approve it for lawful use
and have you disclosed this to your Insurer/Broker?
* Have you had confirmation from your Broker/Insurer insurance is in place for the rental purpose?

Please do not hesitate to contact our office if you should have any questions or concerns.

New Office – Rocklea

Our Door is always open for you here at our new office at 5/250 Sherwood Road, Rocklea

New Location for ARM Insurance

ARM Insurance is excited to announce they have now located offices at 5/250 Sherwood Road, Rocklea.
Right next to the Brisbane Markets!

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  • ARM can tailor an insurance programme to meet the needs of any commercial or industrial business and ensure minimal interruption to your operations following a claim.
  • ARM home insurance ensures that you and your family have complete financial protection against the most common types of damage. Cover your most important assets with a policy that suits you.
  • ARM tailors insurance packages for all types of businesses which will help you continue your operations without the stress of finding the right protection.
  • ARM can tailor individual or fleet insurance policies for domestic, business and commercial motor vehicles ensuring you are aware of the many benefits available such as hire car costs, windscreen removal and much more.