About SMART Sally
SMART Sally provides regular commentary on insurance related issues facing businesses in Australia together with insights on popular and emerging business insurance solutions.
SMART Sally is a friendly face of SMART Business Insurance, a specialist business insurance broker based in Melbourne that services clients throughout Australia in a responsive and contemporary way.
Like the SMART team of brokers she speaks for, SMART SALLY believes strongly in putting the interests of business clients first.
The team of SMART Business Insurance brokers act only for their clients, and not the insurance company, so their focus is on providing clients with competitive quotes and terms on suitable cover.
It puts a smile on SMART SALLY's face that her brokers are there to represent the clients' interests when it comes time to claim.
Like many a modern woman SMART SALLY is very well connected. In SMART SALLY's case it's her connections with the leading insurance companies and underwriters specialising in business insurance in Australia that she shares with the SMART team of brokers that enable SMART to find suitable insurance cover for a diverse range of small businesses.
SMART SALLY is flexible, innovative and offers clients excellent value. When she writes she aims to make a complex process as easy as possible for you.
SMART SALLY stands for:
- Saving business clients time and money on their insurance
- Finding suitable cover
- Providing timely friendly general advice on business insurance for small business
- Helping clients with their claims
How long will it take for you to respond to a QUOTE request?
A SMART Business Insurance broker will be in touch personally within four working hours of your request. Earlier if possible.
They will contact you by your preferred method of communication either via the phone or email.
For simpler quotes, and where all relevant details have been provided, you may receive a quote within 24 hours. If you call us, there are times we are able to provide a quote with-in 10-15 minutes.
For more complex quotes, or where all relevant details have not been provided, a SMART business insurance broker will be in touch to ask a few more questions and/or to provide you with a timeline for you to receive your quote.
As our focus is on sourcing competitive pricing on suitable cover for you based on quotes from multiple insurers, complex quotes will take more time.
As part of our service you will be regularly updated throughout the process.
We are available between 8.45am and 5.30 pm AEST, Monday to Friday on 1300 542 573 and are flexible to work quickly for urgent requests.
What should I do if things change in my business?
It's important that your business insurance policy provides you with appropriate protection from the changing insurable risks your business faces.
Please contact us if you have made any changes in your business that could impact on your risk profile.
Not sure? Contact us on 1300 542 573 and a SMART Business Insurance adviser will guide you through the process.
As a service to business clients, SMART Business Insurance will be in touch regularly by phone or email to provide you with the opportunity to review your current business situation.
However, if your business has undergone change, please contact us immediately so we can ensure you are protected.
How can I pay for my policy?
- Online, via website
- Phone, via credit card
How do I claim?
Our claims service is focused on helping you with your claim by representing your interests with the insurance companies and by keeping you informed throughout the process.
Please contact us as soon as you can after an incident that results in a claim.
Please provide us with accurate and detailed information so that we can fast track your claim with insurers.
The best way to provide your claims information is on our claim forms here:
- Contract Works Claim Form
- Electronic Equipment Claim Form
- Fire, Storm, Tempest or Water Damage Claim Form
- General Claim Form
- Glass Claim Form
- Machinery Breakdown and Fusion Claim Form
- Marine Transit Claim Form
- Motor Vehicle Accident Claim Form
- Pleasure Craft / Hull Claim Form
- Professional Indemnity Claim Form
- Public & Products Liability Claim Form
- Specified Items, Tools of Trade or Transit Claim Form
You can also contact your dedicated SMART Business Insurance broker who will inform you about the information you need to provide for the insurance companies.
How do I change/endorse our insurance policies?
Changing/endorsing your policy is easy at SMART Business Insurance.
Simply contact your SMART Business Insurance adviser and let us know what changes you want to make, via phone, email or web and we'll provide you with a quote and/or be in contact with you to discuss.
Why would we use an insurance broker?
It's SMART to use an insurance broker as:
Business insurance can be complex and a SMART insurance broker helps guide you through the process to ensure your assets and risks are adequately protected.
As specialist business insurance advisers, we act for you, not the insurers.
You will have us in your corner if you need to claim.
We can secure difficult to obtain cover for you.
We negotiate with leading insurers and underwriting agencies on your behalf to get you multiple quotes on suitable cover.
As business insurance specialists we provide general advice on level of cover, excesses, deductibles and risk.
Can I SAVE by going direct to insurance companies or purchasing cheap insurance online via comparison websites?
The major purpose for business insurance is to protect against business risks, so why take a risk with your insurance?
Direct insurers and their agents represent only a single or a few insurance companies.
When buying direct from insurance companies and insurers agents, they will only present the basic policies available to them. You on the other hand may have special needs that may not be covered.
Direct insurers and insurance agents represent the insurers - not you.
At SMART Business Insurance, we act in our clients' best interests, not the insurers.
As SMART Business Insurance is an authorised representative of the United Insurance Group, part of the Steadfast Group of Insurance Brokers, we have significant negotiating power and can generally achieve a superior result rather than going direct to an insurer and paying the 'rack rate'. We negotiate on your behalf to get you excellent value on suitable cover.
Can I cancel my insurance policy easily?
Yes, cancelling your policy(ies) is as simple as sending an email detailing the date you wish to cancel the policy(ies) from and the reason for the cancellation. Once received, we will confirm your cancellation with your insurer(s) and then forward you the invoice noting any return premium if applicable.
“Where a policy is cancelled before the period of insurance has ended we will usually retain the commission/fee on any return premium involved.”
How do we receive our policy documents?
Following receipt of your confirmation to bind cover, your SMART Business Insurance broker will send you an email which shall include copies of the invoice(s), policy schedule(s), premium funding contract, financial services guide and policy wording(s).
How do we know we are covered?
Following your acceptance to bind cover of the quotation, your SMART Business Insurance adviser will forward you your invoice and policy schedule. These documents will detail and confirm the start and end dates of your policy.
Additionally, once payment of the premium has been settled to SMART Business Insurance, upon request, a Certificate of Currency can be produced in order to confirm that the policy is current and valid along with noting any interested parties you may be required to include.
What policy documents do we receive?
Policy Schedule This sets out the limits, deductibles and coverage sections that you have selected. Please carefully review all aspects, in particular the insured name, policy limits, deductibles and coverage sections applicable.
Tax Invoice & Special Notices This sets out and confirms your basic premium, plus any fire services levy, statutory charges and our broker fee. We ask that you read the Special Notices carefully. These outline your rights and obligations in relation to entering into an insurance contract. In particular, we draw your attention to the Duty of Disclosure.
Premium Funding Contract This is to be completed if you wish to arrange premium funding, which allows you to pay by way of monthly instalments.
Financial Services Guide This contains important information about the services we offer you, how we and our associates are paid and any potential conflicts of interest we may have.
Policy Wording The Policy Wording document provides you with full details of what is and is not covered. It is essential you read your Policy Wording without delay and advise us in writing of any aspects which are not clear or where cover does not meet your expectations.
Certificate of Currency This is a written document that is issued by the insurer or the insurance broker that confirms that the insurance policy is current and valid as of the date and time of the certificate.
TALK to a SMART Business Insurance broker on 1300 542 573 or email us at email@example.com for SMART insurance cover for information on business insurance.