Every business is a risky business – if you don’t manage the risks
Throwing together a Risk Program from online sources or buying from a “money-saving” comparison site is like getting a chest pain diagnosed by “Doctor Google”.
You’re handing the investigation process over to a stranger whose qualifications you cannot check AND who is limited to your input. You may get a Low price and some bandaid procedures BUT
Will You Have Protection When The Chips Are Down? Do You Want To Take That Chance? Don’t be surprised when it happens, be surprised how well you are prepared for it with CBD.
We always research to ensure we know the best practices for you, the latest
business compliance requirements and market changes. We help you build a strategic plan Comply with Corporate Governance, Compliance and Risk Management, KEEP THE TAX MAN, THE ACCC and the ASIC happy, Prepare for an IPO, or maximise the value of your business Guaranteed.*
Are you prepared? Do you have a strategic plan, a risk register, compliance and governance registers will you comply with regulation?
If you don’t have a risk register how do you know what your risks are?
Some examples, let’s use Insurance there are several hundred business policies across the country but which one will protect your business as you carry out your business activities without exclusions that make your premiums a waste of money?
We came across a hire equipment company in Adelaide, the company lost two pieces of equipment, and the insurance company declined the claim Why? The insurance company had excluded the plant while out on Hire $270,000.00 lost, two years later the company went into liquidation, for both of these events CBD would have insured against these risks, the company would still be trading today. Is it worth the risk?
* We Guarantee if you follow our program it will make a difference to your business, family and stakeholders.BOOK YOUR FREE RISK ANALYSIS TODAY
We make sure you get exactly the right business plans for your business activities – so you are covered. “It takes 20 years to build a reputation and 5 minutes to ruin it. If you think about that, you’ll do things differently” Warren Buffett”.
What are the risks facing your business? What will happen if:
- A key director/shareholder is diagnosed with a terminal illness? How will you pay them out? What if they die? Do you have a buy-sell agreement to cover your risks?
- Perhaps You get sued for accidental damage on the job? There are workplace accidents in Australia every week. The last major one took several lives.
- A client falls and breaks their hip on your premises?
- We all make mistakes however small? IT ONLY TAKES ONE mistake.
- One of your employees makes a mistake – or only says one wrong thing and is misunderstood?
- Did you not know the known?
- Are you prepared for the Unkown?
- You took a risk because its likelihood was small (despite its significant consequences) and did not insure against it now you have a major claim what are the consequences?
Expectations of business accountability and responsibility have shifted to a whole new level in the last 20 years. We can help you with:
- Building Your Strategic Plans, Governance, Compliance and Risk Management programs tailored to you. (With our strategic partners Financial Kinetics and Paladin)
- Professional Indemnity Insurance.
- Risk Register
- Liability Insurance
- Cyber Insurance
- Management Liability
- Medical Malpractice
- Commercial Property Insurance
- Commercial Motor Insurance.
- Credit Insurance
- Directors Liability Insurance
- Employment Practices Insurance
- Logistics Insurance/Marine Cargo
- Tailored Insurance to meet your needs
Personal challenges can have a significant impact on your life. Anything that impacts your life will also affect your business – so we help you make sure all your risks are covered.
We can assist you with:
- Key Man Insurance
- Buy/Sell Agreements
- Life insurance
- Sickness and accident insurance
- Income protection
- Stakeholder protection
- Litigation Protection
- Insolvency Protection
- Trauma Insurance
One of our specialist practitioners last year suffered from a medical event, Instead of worrying about how to pay the mortgage, his insurance enabled him to replace his income and buy a holiday house.BOOK YOUR FREE RISK ANALYSIS TODAY
Do you know whether
your key risks are covered?
If you’re running a business, you have a whole lot of people depending on you. It can take just one mistake, accident or illness to put your back against the wall.
Your Business success is our business – it has been our business for over 35 years. We Guarantee* to make a difference and make you the point of difference
We’re in the business of keeping businesses and professionals in Business. We carefully select and combine programs to protect you. Depending on your business or practice, you may need:
- A Strategic Plan (What I Look Like Now and What I look like When I grow up)
- Public Liability Insurance
- Cyber Insurance
- Professional Indemnity
- Business Insurance
- Medical Indemnity Insurance
- Management Liability
- Continuation Insurance
- Industrial Special Risk
- Sickness and Accident Insurance
- Credit Insurance
* We Guarantee to make a difference if you follow our Strategic and Risk management plans you will be the point of difference and always be one step ahead.BOOK YOUR FREE RISK ANALYSIS TODAY
Business Risk Assessment
We work with you to customise solutions that give you the tools to be prepared for the challenges of the future and continue the success of today
Together we do a thorough Strategic plan including a risk analysis to identify the risks that could shut down your business and wreck your future. We take the time to identify ALL Risk by likelihood and consequence. We determine the risks you can avoid, the risks you can reduce and the risks you can share with others
With a clear understanding of all your risks, then you will have the information to choose the best next move, build a Strategic Plan around you with Corporate Governance, Risk Mangement and Compliance registers with policies and procedures to protect you, your business and your family.
BOOK YOUR FREE RISK ANALYSIS TODAY
Policy Selection and
How can you protect your risks if you don’t know what your risks are?
The only thing worse than getting it wrong is losing it all.
If we don’t have a plan how can we expect to fulfil our plans?.
With the wrong plans, you are paying good money for protection that may NOT work. At the worst possible time – when something goes wrong – you could find yourself trapped in a maze of paperwork and indifference. So you need to make sure you have the right plans and policies, to begin with.
We will find the right solutions to give you the best value solutions. We will help you through the process and the ongoing paperwork to keep you current and relevant.
Insurance companies communicate in particular ways, and the better you communicate with them in their language, the more promptly your claim will be paid.
Getting paid quickly starts with having the right cover, but it also requires the right information communicated effectively to your insurer. We are passionate about getting claims paid and what we’re proudest of is that – in 35 years of business – we’ve NEVER had a claim not settled.
Our years of industry experience has taught us how best to communicate with insurance companies – so well that we can get claims paid that others can’t. If you’re having problems getting a claim through then give us a call –we may be able to help. We do charge a fee of 20% of the value of the claim for our service for a successful claim settled.
Do you have a claim that’s been refused? Contact us today to make sure it’s been well-presented.
Your business doesn’t exist in isolation – it’s part of your life. An integrated risk management strategy needs to cover your situation, not just your business. What happens to your mortgage if you fall ill? What happens to your business if your marriage breaks up or your partner gets ill? What about the firm what happens with that? Shareholders, clients, partners and staff what happens to all of them?
We don’t just look at your business; we look at the whole picture. That way we make sure you have the best plans for you and your family. You’ll get maximum wealth protection because we have financial planning and advisory experience to match our insurance know-how.BOOK YOUR FREE RISK ANALYSIS TODAY