Benjamin & Benjamin Insurance Group are a third-generation Insurance Broker. 

We recognise that few people like purchasing insurance or have the technical expertise to understand what’s included within their insurance policy. For those buying insurance it can be difficult to know if you have the correct insurance, with the correct level of cover in each section of your policies, from the right insurer at the best possible premium.

We know that there are over 100 different insurers operating in Australia, some are specialists and others have a broad insurance product range; there are new entrants and insurers leaving the market all the time.

Our role is to make the process easy, provide comprehensive insurance advice, implement our client’s specific & agreed insurance program, manage insurance changes throughout the policy period, manage their claims and, above all, make navigating their insurance requirements easier for them. 

Our focus is to understand the business needs of the insured, so the owners sleep better at night because they are not over or under insured, but that they have the right insurance for their business.
Q MANAGE BUSINESS OVERHEADS DURING COVID-19

DEFER YOUR INSURANCE PREMIUM PAYMENT BY 60 DAYS

Pay all your business insurance premiums by the month over 10 months using Premium Funding.

Defer 1st & 2nd payment by 60 days.

When the 3rd installment is drawn, the first two will be drawn at the same time.

Include your Workers Compensation premium as part of the funding arrangement.

BENEFITS OF PREMIUM FUNDING:
This particular service provides for insurance premiums to be paid on a monthly facility arrangement with a specialist Premium Funder. These are some of the benefits of Premium Funding incuding:

• CONSERVE YOUR CASH & IMPROVE YOUR CASHFLOW
Premium Funding eliminates annual premium payment in advance, enabling you to better use your liquid funds for income generating activities.
• MATCH THE PAYMENT PERIOD TO THE EXPENSE PERIOD
Insurance is an expense that runs for a 12 month period. Most business expenses occur over a 12 month period and are paid monthly, and therefore we recommend to our clients that they match monthly payments to the expense period.
• ADDITIONAL LINE OF CREDIT
Premium Funding acts as an additional line of credit and it does not interfere with established financial arrangements, and it may even help to reduce a current line of credit – you will not need a lump sum insurance premium.
• NO SECURITY & PERSONAL GUARANTEES REQUIRED
No financial guarantees or property security are required, as security is taken over the insurance policies.
• TAX DEDUCTIBILITY
In addition to commercial insurance premiums being tax deductible, so is the interest charged by the Premium Funder.