We’re All About Caring for Carers
CarersInsurance.com.au is brought to you by Optimum Insurance Services Pty Ltd. We have a team of qualified insurance advisers that have been supporting the age and disability care industry for nearly two decades. We understand the complexity that comes with buying insurance and aim to make your experience in choosing the right policy easy and seamless.
At Optimum, we assist all Carers, whether you are an individual, partnership, or company. With our industry expertise, we can provide comprehensive and competitive insurance policies and assist you throughout the entire process.
Simple
We want to make it simple for our clients. We strive to deliver the Optimum Experience, which holds us to the standards of providing outstanding service. We guide you from the start in determining the right policy you need to cover your unique requirements.
Tailored
Our team understands your industry and deliver high quality insurance products and services to tailored to your needs. We ask relevant questions to assist us in analysing your business risks and potential exposures; thus, enabling us to provide the right options.
Peace of Mind
As insurance advisers, we’ve curated the insurance companies in the Age and Disability Care Industry, giving us the knowledge of the best products for your business at competitive prices. By giving your trust, we commit to giving care and convenience from your quote to your claim.
We only work with insurance companies approved by the Australian Prudential Regulation Authority (APRA) with solid financial strength and quality claims handling.
Optimum Insurance Services Pty Ltd is a corporate authorized representative (AR Number 291220) of Insurance Advisernet Pty Limited (AFS Licence Number 240549). Insurance Advisernet Australia (IAA) Pty Limited is a registered General Insurance Broker (Financial Services Licence No. 240549) and a principal member of the National Insurance Brokers Association (NIBA). As a member of NIBA, we abide by the NIBA Code of Conduct and the General Insurance Brokers Code of Practice. We also subscribe to Insurance Brokers Disputes Limited.
Optimum Insurance Services Pty Ltd is proudly an authorised representative of
Our Role as Your Insurance Adviser
As insurance advisers, we offer managers and business owners professional advice on the best risk transfer strategies to run their businesses. With this information, they can make financial plans while ensuring that their business is adequately secure against financial loss.
Our solid expertise in the insurance markets taught us how to make typically complicated processes much more straightforward. Moreso, we strive to work with you with high integrity and to consistently lend a helping hand and support throughout in case of any claim.
From an adequately conducted risks/needs analysis, we give expert counsel on the right cover that a business or individual may take for adequate protection of their assets and liabilities.
You should expect the following from us as your insurance advisers:
- We will help you find the insurance companies that are best suited to your business needs
- Offer support and advice for all claims
- Oversee the insurance needs of your business, thereby helping you save money and time.
- We ensure a swift response to any request you make.
- We will ensure you will not need to have product comparison shopping.
We belong to the National Insurance Brokers Association (NIBA). As such, we adhere to the provisions of the Insurance Brokers Code of Practice.
Our activities and operations are also under the monitoring and regulation of the Australian Securities and Investments Commission (ASIC) as provided by the Corporations Act 2001 and the Financial Services Reform Act 2003.
About Our Licensee Insurance Advisernet
The Insurance Advisernet Australia (IAA) Pty Limited is a recognised member of the National Insurance Brokers Association (NIBA) and registered under the General Insurance Broker.
Our Financial Services License No is 240549. Also, we are part of the Insurance Brokers Disputes Limited. Consequently, our practices are regulated by the General Insurance Code of Practice and Code of Conduct of the NBA.
Founded in January 1996, Insurance Advisernet Australia was intended to assist insurance advisers in providing goods and services tailored to their customers’ needs as they adapt to the business world’s complexity. The insurance advisers still maintain their local presence in the process.
The vision of the Insurance Advisernet is to lead the market in regional Australia, assist insurance advisers in their operations, and circulate valuable insurance services and products to customers. This vision enables the advisers of Insurance Advisernet to offer the following services to their clients:
- Assurance of the quality of the insurance covers
- Products and services at competitive prices
- Excellent and reliable customer relationship
To ensure a trustworthy adviser-customer relationship, advisers under Insurance Advisernet must strictly follow a code of ethics. Beyond the work ethics, we imbibe the culture of continuous education. We organise training seminars for our advisers at regular intervals to improve their knowledge and professionalism in their services.
Our Financial Services Guide
Our Financial Services Guide is a complete guide on our services, the charges, your rights as a customer, how to lodge complaints, and every other thing you need to know about our service.
It gives an overview of what we stand for and aims to help you make an informed decision about using our services. If you eventually decide that you want us to be your general insurance broker, you can rest assured that our partnership will be based on the terms captured in the guide. These terms, we will validate in writing as they are the backbone of our relationship.
During our partnership as your insurance adviser, you may need the following documents:
Letter of Appointment – A comprehensive document on the terms and conditions we will work with as your general insurance broker
Statement of Advice (SOA) or Further Information Regarding our Advice (FIRA) – Written summaries of every piece of advice we will render to you and the rationale behind it
Risk Analysis – A questionnaire that helps us understand your peculiar objectives and needs to protect you, your assets, and/liabilities
Product Disclosure Statements (PDS) – The respective issuers of the insurance products you want to buy are to prepare these documents. The documents will capture all the relevant information about the products and guide you in deciding
Confirmation Notices – Acts to confirm the necessary details on the transactions we have arranged on your behalf with the insurers
Insurance Companies
A list of our approved insurance companies that provide insurance products and services to the Aged & Disability Care Industry:
- 360 Underwriting
- AIG Australia
- Allianz Australia Insurance
- Ansvar Insurance
- Arch Underwriting at Lloyd’s
- Berkley Insurance
- Brooklyn Underwriting
- Blue Zebra Insurance
- Hollard Commercial Insurance
- CGU Insurance
- Dual Australia
- Employsure
- FTA Insurance
- Genesis Underwriting Pty Ltd
- Global Transport & Automotive Insurance Solutions
- High Street Underwriting
- NSW icare Workers Insurance
- Lloyds of London
- One Underwriting
- Pen Underwriting
- Protecsure
- QBE Insurance
- SURA Underwriting
- Tego Insurance
- AAI Limited Trading as Vero Insurance
- Woodina Underwriting Agency
- XL Insurance Company SE
- Zurich Australian Insurance
Get in Touch
Our insurance advisers are ready to help you find the right insurance for your needs. Talk to an Insurance Specialist Today on 1300 739 861 or fill out the form below and we will get connected with you soon to discuss your insurance needs and provide you with a tailored quote.
