Frequently Asked Questions
Why use an insurance broker?
Both business and personal risks require the right insurance to ensure that you are covered for all risks that you may face. It can be difficult to understand insurance policies and how much cover you need. The right advice can make all the difference. Insurance brokers are specialists in all aspects of insurance who work with you to understand your needs and assess the risks that need insuring. Brokers have invaluable knowledge of the insurance market and will work with you to get the most competitive terms with a range of insurers in the market and explain your policy to you. Brokers are independent and can provide professional objective advice on identifying risks and exposures and recommend cost-effective solutions.
What does an insurance broker do?
An insurance broker will assist in identifying the risks you or your business are exposed to and will provide advice on which insurance products are available to mitigate those risks. They are able to get competitive terms from a wide range of insurers and will discuss with you their recommendations and help you to select the best option. Once you have chosen the insurer you would like to go with, the broker will arrange all the necessary documentation, taking out the hassle for you. The broker is also available for all general insurance advice and can make any amendments your policy may require in the future. In the event of a claim, a broker will be able to assist in the claims preparation process as well as liaise directly with the insurer to bring you a successful resolution.
Is an insurance agent the same as an insurance broker?
An insurance agent works for one or more insurers and is only able to provide policy wordings for the insurers they represent. An insurance broker works for you, are independent insurance specialists, and are obligated to act in your best interests.
Why should I choose Marble Insurance Brokers?
At Marble Insurance, we are a team of young and dynamic brokers who are excited to help remove the friction when insuring the things you care about. We are a Fire and General Insurance Brokerage and we specialize in commercial and domestic insurance. So whether you’re looking for business insurance, personal insurance, or both, we’ll be able to work with you. By combining the need for full coverage as well as cost-effective insurance, we’re here to help ensure that you have the right insurance to cover your business but don’t pay for the cover you don’t need. We’re not only here to help you in finding you the right cover but as you move forward, we’re here to assist if you need to make a claim and also keeping up with the growth of your business or insurance needs to make sure you’re sufficiently covered.
What insurers do you use?
We use a wide range of insurers to suit our client’s individual needs. Please click here for a full list.
What services does an insurance broker offer?
Insurance brokers offer a range of services from arranging new covers, renewals, insurance quotes, and assist with the claims process. Brokers build a personal relationship to ensure they understand your risks completely and can update cover as your needs change.
How do brokers handle claims?
Brokers will navigate the claims process to ensure you have a successful resolution. The broker is able to communicate directly with the insurer on your behalf to remove the worry and stress for you that can be involved when making a claim. If and when your claim is accepted by the insurer, your broker will ensure that all payments are made to the appropriate parties and ensure that you as the client are fully satisfied.
What about premium funding?
Once we have organized the correct insurance for you or your business, we know many of our clients prefer to use premium funding. We offer clients the choice to pay their premiums through our funders: IQumulate, Elantis Premium Funding, and Hunter Premium Funding.
How do I get the ball rolling?
If you are interested in getting in touch with a Marble Insurance broker to get the ball rolling, you can reach us at info@marbleinsurance.co.nz and someone from the Marble team will be in contact. If you would prefer to speak to one of our brokers just give us a call at 09 390 9399. Alternatively, fill out our Contact Form here.
When can I get in contact?
Our hours are 8am – 5pm, Monday to Friday. Email anytime.