In addition to our core activity of Insurance Broking and Risk Advice, BWRS are able to offer the following services to our clients:
We can assist with management of risks associated with assets, injury and liability. We can help management with the processes of risk identification and risk evaluation and treatment, and business continuation which essentially is predicting a significant event and determining how best to react to mitigate the consequences. These processes must be done in conjunction with each client's management, our role being to guide and assist in the process.
Most insurance advisors, maintain they provide all facets of the risk management process. However, they fall short in the following areas:-
1. They will not have specialists in all areas of insurance related issues. For example, they may not be expert in compliance related matters or in business continuation.
2. Insurance advisors are not specialists in business strategic thinking and planning.
As specialist insurance brokers with the experience and knowledge of insurance markets necessary to negotiate the most competitive and comprehensive packages, BWRS are able to provide the very best advice in this area. However, we freely advocate the use of specialists in other disciplines of the process.
There are independent specialists available in New Zealand who are not distracted by pure insurance functions nor have the conflict of interest which can arise when insurance brokers attempt to provide the specialist input. Organisations today must ensure that they obtain the very best and up-to-date advice in specialist areas rather than rely on their insurance brokers to do the best they can. BWRS Limited advocate this approach and as a result have built a network of independent specialists in each of the various risk management disciplines.
We offer facilities to enable premiums to be paid in instalments spread over the insurance period.
Life Insurance and Employment Benefits
BWRS can provide advice and assistance in all areas of life insurance for both individuals and group schemes. The main categories being:
Whether it is term life insurance for family protection, mortgage repayment insurance or other debt repayment insurance, we can access products from most life insurance companies operating in New Zealand, and advise on how much life insurance you need.
We can also advise on implementing life insurance cover on key people in an organisation or businesses to protect that business from the sudden death or disability of a key employee.
We can offer advice in the execution of share purchase insurance to provide funds for a compulsory acquisition of shares upon the death of a key shareholder.
Income Protection insurance means that should you suffer a temporary disability due to sickness or injury you will continue to receive up to 75% of your pre-disability income. Income Protection cover removes the risk of losing your greatest asset, your ability to earn a living.
We have expertise in the implementation of all types of medical covers from Major Medical Contracts which provide "hospital only" treatment to fully comprehensive medical policies that provide reimbursement of all medical expenses such as doctors bills, dental and optical expenses.
We can provide an evaluation of your present medical contract to assess its competitiveness in comparison to the latest contracts available from the market.
In addition we can implement for your staff:
- Group life cover for Death and Total and Permanent Disablement.
- Group Income Protection Insurance for temporary disability.
- Group medical schemes for staff.
Health & Safety Systems
Securo has worked with over 4,000 companies throughout New Zealand, since 1992, developing workplace safety systems to DoL/ACC compliance requirements and through their locally based Consultants, are continually improving and developing their services to provide safe working environments for everyone. Securo also provides an Online, web-based, simple and convenient to use facility to build and develop your Health and Safety system.