1. FAQs

Some of our Frequently Asked Questions

FAQ'S

Payment made to contractors who are assessed to be “deemed workers” need to be declared on your workers compensation policy. Workers compensation legislation does not rely on the tax status of the person carrying out the work to determine whether that person is a deemed worker or and independent contractor. The issue of whether a person is a deemed worker or and independent contractor must be determined on a case-by-case basis and you need to consider several factors in your assessment, in some cases it may require a private ruling by WorkCover. Our specialist workers compensation staff will assist to navigate through this sometimes difficult process and ensure you have considered all relevant factors in your wage declaration to your insurer.

General Insurance Brokers provide a range of services and advice to clients. The 8 most common services at Trans-West Insurance Brokers include the following:

1. Market your insurance needs
We will market your insurance needs as previously determined to Insurers as detailed elsewhere in this report. Early notice of any changes you are considering will allow us to provide you with appropriate advice so that your business is well protected. Any such information will be treated with the utmost of confidence.

2. Negotiate with Insurers
Negotiate with your current insurers to secure the best possible renewal terms and conditions.

3. Secure cover and price
Negotiate with those insurers to secure the most appropriate cover and price;

4. Prepare documentation
Prepare all Proposals, Policy Documentation and Premium Invoices.

5.  Monitor and visit
Administer your current insurance program by providing advice on policy coverage. Monitor your business activities by meeting with you regularly and advising you of any adjustments to your program which may be necessary if change has occurred.

6. Provide claims assistance
Claims or events which may lead to a claim, are the single most important reason why you purchase insurance. We will work with you to ensure any claim you submit is handled by the Insurer expeditiously. Settlement of any claim is subject to a number of factors not the least of which is the Policy Wording and the information submitted by you in relation to the incident. We will ensure you are connected to people who can assist you in gathering the detail required and advise you on the implications of the wording of a claim. In many cases there will be a cost associated with such assistance which should be recoverable under the claims preparation costs referred to in your policy sub-limits.

7. Review Risk Management
Review your Risk Management Procedures and current insurance covers and recommend additional covers for consideration if relevant.

8. Provide Certificates of Currency
We will provide a Certificates of Currency as and when required.  Some Certificates will take some time to produce as we need to request these from Insurers – the sooner you know you need a Certificate of Currency the better – at no time will a Certificate be produced on Trans-West letterhead.

A general insurance broker looks after all types of general insurance

A general insurance broker looks after all types of general insurance

A general insurance broker looks after all types of general insurance

A general insurance broker looks after all types of general insurance

A general insurance broker looks after all types of general insurance

A general insurance broker looks after all types of general insurance

Still need some questions answered? Please get in touch here.

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