Benefits of Engaging an Insurance Broker

We ask you to consider the following which should help you make a better informed decision:

• Do you have expertise in insurance and fully understand the terms, conditions and exclusions of the insurance product(s) that you have or intending on purchasing?

• Would you know what to do in the event of a claim?

A solicitor is needed in a legal dispute, and an accountant helps to lodge your company's tax return, an insurance adviser is there to look after your overall insurance needs.

Insurance Expertise

When arranging insurance without dedicated professional advice, many people fail to understand the policies they are purchasing. Dealing direct with insurance companies may save you money, however without entirely understanding the terms and conditions of your insurance policy, have you got the right cover and will the policy respond in the event of a claim? It may well turn out to be an extremely expensive exercise.

It is all too often the case that there is disappointment when a claim arises and the insurance policy doesn't respond in the way customers believed itshould. This is generally due to lack of understanding of the terms, conditions and exclusions of the policy.

Professional Advice

Insurance Advisers are vital components of the business process. We advise business owners and managers on the best ways to “transfer” the inevitable risks they carry as part of doing business. Which enables businesses to plan ahead with the certainty of knowing they have financial protection against loss, injury or threat to the well-being of their business.

We specialise in insurance and it is our role to understand your business, identify your insurance risks and find the best available cover through our range of insurers. We have access to a range of different policies and willadvise you of the policy features, exclusions and costs of competing policies on the market. We act in the interests of our clients, not the insurer. The only exception is where a special agreement with an insurer exists, which will be disclosed to you should this be present.

We also provide invaluable help in the event of a claim. We know and understand the system and can simplify a process that is often time-consuming and technically difficult.

Insurance Advisers

Our role is to serve our client's interests with integrity at all times and as members of the National Insurance Brokers Association, we are governed by the Insurance Brokers Code of Practice. We are also regulated and monitored by ASIC under the Financial Services Reform Act 2003 and the Corporations Act 2001 to ensure you receive the most accurate, appropriate advice for your needs.

For your business or personal insurance needs, we can provide advice andassistance to make sure you are properly protected.

Adequate Protection

• Conduct a risk/needs analysis and advise our recommendations on the correct covered required to protect the individual or business’s assets and liabilities

• Recommend the appropriate insurer to match the risk

• Only recommend financially secure and stable insurers

• Provide alternatives on your risk retentions through various excess options

• Provide alternatives to pay premiums in monthly instalments

• Prompt and timely serving of all requests to ensure that our clients are adequately informed of issues that may effect their individual / business needs

The Role of An Insurance Broker

In the event of a claim, we provide you with support when you need it most:

• completing the claim from• arrange a loss adjuster, if required

• submit the claim form to the insurer

• provide advice to ensure that you have received full entitlements

Claims Support

As a requirement under the FSRA 2002, we are obligated to provide all our clients with a Financial Services Guide which contains information about our services and charges, including our clients rights as a client and other matter such as how an complaints are dealt with.

We are paid commission for the insurers which can range for 5% - 22.5%and also charge a broker fee which varies dependant on the type on insurance cover.

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Phone +61 1300 739 861 Fax +61 1300 732 225 Hours 9.00am to 5.00pm (EST)

Monday – FridayEmail service@optimuminsurance.com.au Website www.optimuminsurance.com.au

Office LocationLevel 1, 27 Belgrave Street, Manly NSW 2095

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Presentation Disclaimer –– “This material contains general information only and may not suit your

particular circumstances. To decide if a policy is right for you please carefully read the relevant Product

Disclosure Statement (PDS) and/or Policy wording. A copy of the PDS or policy wording is available by

contacting our office on 1300 739 861;”

Disclosure Statement – “Optimum Insurance Services Pty Ltd is a Corporate Authorised

Representative of Insurance Advisernet Australia Pty Ltd (Car No. 291220), Australian Financial Services

Licence No 240549, ABN 15 003 886 687.”