SSAA NSW

37 ISSUE 60 DECEMBER 2020 Tragically, under-insurance, a gap in cover and even total exclusions of cover may only become apparent after a claim incident, or when catastrophe strikes. SSAAIB and I see my role as more as an Insurance Advisor to SSAA, SSAA members and our clubs. So, as a SSAA Insurance Advisor I am prepared to: • Take the time to understand your club's activities, its exposures, and its insurance needs. With this, I can then suggest an insurance plan that meets your requirements and budget. Remember, the better I understand all your activities, the layout of the club etc. the better the advice and service I can provide you. • Provide advice and guidance with respect to the insurance products, the cover they provide as well as their limits, gaps and exclusions. • Assist with providing and coordinating risk management advice. This could be as simple as general fire protection and hazard advice or a more complicated risk survey report. • Be available to answer your questions. I am here to provide service and advice all year round. Not just when the club's insurances are due to be renewed. • Represent your club at claim time to ensure the policy responds for the best it can and that the insurers involved meet their obligations in full. When required, I will work with SSAAIB's claims department and assist with the management of the claim from start to finish. I understand that price is important and by no means should any club (or business) pay more for their insurance than necessary. But you should also carefully consider the value you place on properly protecting the club's assets. Being driven by price alone can result in the wrong type of cover and have the same ramifications as not taking out any insurance at all! To find out more about the services that SSAAIB and myself can provide to you please give me a call, I am always up for a chat. Most of our clubs see insurance as an important tool for protection but too often it is treated as a commodity with not enough thought going into what or how much insurance is needed. The result of this can be under- insurance. SSAA Insurance Ali Mulla, SSAAIB

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