July 2010
Welcome to new team members
We would like to extend a warm welcome to Andrea Niebling, our newest Account Manager who brings with her several years of experience in the general broking industry. Kira VanStraalen also rejoins us after being away for six years, she has taken on the role of Account Manager Assistant and we are very happy that she has decided to return.
Also a little of a belated welcome to Chris Ashcroft who has been with us since April. We would like to thank Chris for taking wonderful control of reception and all it's related duties.
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Home & Contents Calculators
To calculate the sums insured for your home and contents policy, please click on the links below.
Home Buildings
http://secure.cordell.com.au/valuer_residential/index.php?p=45&from_admin=1
Home Contents
http://www.homecontents.com.au/index.php?c=web_intro&profile=suminsured_standard
Disclaimer
Typical building replacement costs are provided by Reed Business Information Pty Ltd (A.B.N. 80 132 719 861) trading as Reed Construction Data (‘Reed') and typical building contents replacement costs are provided by Sum Insured Pty Ltd (A.B.N. 55 947 630 521 (‘SI') trading as Home Contents. Whilst every care is taken to ensure the accuracy of the information as a guide for costing, no responsibility is accepted by either Reed, SI, Steadfast or the Steadfast Broker for its accuracy. Please check with an Architect, Builder, Quantity Surveyor, Valuer or other suitably qualified professional for an accurate estimate. Neither Steadfast nor the Steadfast Broker takes any responsibility for the costs provided by Reed or SI nor any liability for the accuracy of or reliance upon or use of, the costs. To the fullest extent permitted by law, Reed, SI, Steadfast and the Steadfast Broker expressly disclaim all warranties, express or implied, including, but not limited to, the implied warranty of fitness for a particular purpose. Reed, SI, Steadfast and the Steadfast Broker do not warrant or make any representations regarding the use or the results of the use of the information provided in terms of its correctness, accuracy, reliability, or otherwise."
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Transit Cover
- If your vessel is being transported anywhere in Australia by road and you need transit cover, then contact us for a competitive quote.
- Your vessel will be covered for any accidental damage caused whilst in transit from point A (Place Of Purchase) to point B (Place of Destination)
- Local claims service
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Comprehensive Cover
Some of the benefits of our comprehensive cover include:
- Exclusive Club Marine Assist - View more information
- Once off complimentary Transit Cover within Australia
- Choice of Market Value or Agreed Value (subject to valuation up to 20 years of age)
- Agreed Value for 2 years on new vessels
- Fishing Gear, Water Ski Equipment, Diving Equipment (including compressors) and Tools increased limit to $1,000 for each item and $10,000 in total
- Personal Effects, including personal items belonging to you or your immediate family covering clothing, shoes, waterproof gear, prescription sunglasses and manchester increased limit to $1,000 for each item and $10,000 in total
- Mechanical Breakdown - Loss resulting from mechanical breakdown for up to (8) years from the date of manufacture
- Local claims service
For more information about this policy, please download our pdf here.
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Boat Insurance
Please choose your cover:
Comprehensive Policy (including complimentary one off transit)
or
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Success
Thankyour, your claim has been submitted.
Someone will be in contact with you within 24 hours regarding your claim.
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CTP rewards
To receive your $20 fuel voucher please print the PDF below and return to QBE using one of the options listed on the form.
Please click here to download CTP rewards PDF
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Success
Thankyou, your enquiry has been submitted.
You will be contacted within 48 hours regarding your enquiry.
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PBi brings marine business insurance right up to date
It is believed that marine insurance is one of the oldest forms of insurance in the world, dating all the way back to the early 1600s. Originally developed for shipbuilders and merchant transporting, the world of marine insurance has become increasingly complex. Operating in the ‘marine playground’ of coastal Queensland, the increase of the marine leisure industry has been just one of the changing trends to this age old industry that PBi have observed.
Having always focused on delivering the best insurance options for business clients, the team here at PBi have now become specialists in marine business insurance. We service the insurance needs for businesses that support both commercial and private marine activity, from boat builders, to boat dealers, to leisure craft operators.
One such client is Brisbane Yamaha who specialise in trailer boat sales and servicing. Aaron Goodchild, the dealer principal explains “I recently needed to insure a boat dealership and found most companies weren’t interested in helping me. I contacted PBi and they listened to me and to what I needed. Their service was prompt and professional, and to top it off, my coverage cost me less than half the price of the other quotes I received.”
Any businesses looking for specialist marine insurance products and a company that really understands their needs can contact us today for more information.
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Links
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Privacy Policy
We know that your privacy is important to you, so it’s important to us as well.
You can read the full details of our privacy policy below. As a quick summary:
• We only ask for personal information that we require.
• We’ll tell you what information we have recorded about you.
• If you would like any personal information changed or deleted, just ask.
Who we are
Full contact information is available at the bottom of this page.
What we know about you
When you visit our Web site, our Web server automatically records some general information about your visit, but does not recognise or record any individual information about you. The information we record and use for statistical purposes is:
• Your server address
• The date and time
• The pages accessed and documents downloaded
• The previous site visited
• The type of browser used
We can only identify you personally if you give us this information voluntarily.
We use a cookie to control pop-up windows, so that we don’t annoy you with lots of pop-up windows every time you visit the site.
If you visit the site using one of our affiliate’s links, we use a cookie to keep track of your visit, so that we can correctly pay the affiliate a commission if you make a purchase.
Your e-mail address
We do not know your e-mail address unless you give it to us. We only record your e-mail address if you send us a message, either directly or by signing up to our newsletters or on-line courses. We will use it only internally within the organisation, and will not disclose it to other organisations without your permission.
If you have given us your e-mail address, but do not want to receive e-mail from us in the future, please let us know by sending us e-mail at the above address.
How we use this information
We use this information to improve the content of our Web site and analyse what pages people visit, and to keep in touch with you.
Who has access to your information?
We use this information internally and share it with other people or organisations who need to know it as part of working with us in our normal business activities (e.g. sub-contractors).
We do not share your personal information with others except under these conditions, and we do not disclose or sell your personal information to others for use in mailing lists or databases.
Future Variations
If our information practices change at some time in the future we will post the policy changes to our Web site to notify you of these changes and provide you with the ability to opt out of these new uses. If you are concerned about how your information is used, you should check back at our Web site periodically.
Corrections
Upon request, we’ll tell you what information we have recorded about you. For your own protection, we generally ask you to make this request in writing, so that we can verify your identity (E-mail is too easy to forge!)
If any of the information is incorrect, or you want us to remove all information about you, please contact us and we’ll amend it promptly.
If you feel that this site is not following its stated information policy, please contact us at the above addresses or phone number.
In general, we value your privacy, and will only continue to correspond with you if either:
• you give us your e-mail address or postal address for this express purpose (for example, if you sign up to our newsletters or on-line courses, or request information about our products and services); or
• we have an existing business relationship (for example, you have bought our products or services).
In any case, if you do not wish to receive such mailings in the future, please let us know by sending us e-mail or writing to us.
More Information
If you would like to know more about on-line privacy, visit The Australian Privacy Commissioner’s Web site.
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Home
LODGE A CLAIM
Our Claims Department is here to assist you in the smooth transition of a claim from first notification through to a satisfactory settlement.
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Contact Us
Contact our team today:
14 Annie Street
Caboolture
Qld 4510
PO Box 62
Caboolture
Qld 4510
P 07 5495 5355
F 07 5495 3537
E enquiries@pbinsurance.com.au
www.pbinsurance.com.au
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Update your Details
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News & Events
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Business Tips
Remember that no business can exist without their customers. Take the time to understand why your customers deal with you and what they need from you. Consider mystery shopping your own business to find out what your customer service is really like.
Know when to ask for advice. Small business owners can’t necessarily be masters of everything. Outsourcing can ensure you get things done effectively and efficiently while you can spend time working on what you do best.
Plan ahead. Whether budgeting your income and expenditures, marketing your products or managing staff resource you should always have a plan for your business activity. Make it measurable and specific to keep your business moving forward.
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Articles & Videos
Pardon the interruption
Many smart business owners have ensured that they are adequately insured for material damage, liability and wages cover in the event of a disaster at work, such as a fire, flood, natural disaster or severe technology breakdown. There will also be a small percentage of businesses that are very well prepared, have contingency plans in place and have considered insuring lost earnings and the costs and time required to restart a business. Unfortunately, most businesses learn the hard way that Business Interruption insurance can be the difference between success and failure.
A recent survey of 2,500 small businesses in the US suggests that over 70% did not have a disaster plan in place, almost two-thirds felt contingency plans were unnecessary and over 60% were confident that business could be resumed within 72 hours after a natural disaster 1. Common sense and factual studies have shown 72 hours recovery time to be highly improbable in most cases.
A window of 72 hours is a substantial underestimation given that disaster recovery may result in one or all of the following scenarios:
· Rebuilding of premises or acquisition of new premises (either short term or long term)
· Replacement of specialist goods, parts and /or machinery (allowing time for manufacture and delivery)
· Awaiting outcomes of any investigations into the disaster, legal, criminal or otherwise
Consider also the elements that are more difficult to quantify: emotional stress for the owner, disruption to the staff and potential customer loss of confidence. The increased cost of operating under these circumstances and the effect on your cash flow, with or without a contingency plan, is likely to be substantial.
In fact, studies have shown that of businesses suffering a major crisis, such as a fire, as many as 70% could not return to their pre-loss form within three years after the crisis occurring 2.
Given that recovery time may realistically take as long as eighteen months it is crucial to understand if your business could sustain trading with disruption over such a timeframe. PBI have valuable experience in this field and are happy to discuss your business to understand what kind of Business Interruption insurance you may need to ensure a safe future for your business, your staff and your profits.
1. Childs, D.R. (2008) “Prepare for the worst, plan for the best: disaster preparedness and recovery for small businesses”, John Wiley & Sons
2. Knight, R.F. & Pretty, D.J. (1998) “The impact of catastrophes on shareholder value”, The Oxford Executive Research Briefings, Templeton College
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Downloads
For your convenience please find forms, brochures and PDSs available for download here.
Coming Soon...
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Client Resources
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Lodge a Claim
Please fill out the following form and we will contact you regarding your claim.
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Claims
Suffering loss or damage causes stress to all involved. At PB Insurance it is our goal to minimise your stress by making our claims procedures as straightforward and efficient as possible. We have a dedicated support team to work with your PBI claims manager to assist with all claims to ensure they are settled promptly and effectively.
General Claims Procedures:
To enable us to manage your claims it is important for you to follow these simple steps to ensure the best outcomes:
- Whether the claim is reported or not take immediate steps to minimise further loss or damage.
This may include:
- Ensuring staff safety and the safety of nearby personnel if required
- Securing premises or vehicles to ensure no further loss
- Minor temporary repairs
- Locating replacement machinery if critical
- Arranging for towing of vehicle to secure location or covering of vehicle against water damage - Report the incident as soon as possible to PBI. This can be via telephone or email, or you can simply CLICK HERE to complete a claim form online. Outside of usual business hours you can contact your account executives via mobile (click here for out of hours contact details).
- Complete all claims documents required as instructed by your PBI account manager.
- Never admit liability. Even if you may believe you are at fault admitting liability may affect your claim.
Our attention to detail and commitment to our clients at PBI ensures that claims, from simple to complex, are dealt with effectively.
“I wish to express my appreciation for the support rendered by PB Insurance with my recent Insurance claim dispute… Bill stood by me as my Broker, taking the first steps to rectify the situation by calling a meeting with the Insurance Company. I have no doubt in my mind that Bill’s insurance experience and presence with me in the meeting was the key to resolving the issue in question. My Broker “PB Insurance” of 20 odd years performed over and above in a time of need.” Troy Spring-Brown
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Industrial Risks Insurance
Do you need an insurance policy that is out of the ordinary?
Do you have a large organization with diverse operations?
Does your business hold high value physical assets or multiple locations?
PB Insurance provide dedicated support to provide the most robust Industrial Special Risks (ISR) insurance to cover the complexities your business may have. As business experts with a range of industry clients we take the time to understand your needs and develop the right solution. If you need a more comprehensive business insurance that will cater more substantially for loss expenses ISR should be considered.
We have developed a range of specialist products and solutions through approved insurance companies designed specifically in the ISR arena. These can be tailored to suit any complex business. Typically your ISR will cover your direct losses and your indirect expenses, such as loss of income and additional expenses incurred through damage.
To learn more about complying with Industrial Special Risks insurance requirements contact Ian Yeo or simply fill in the form below.
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Commercial Property Owners Insurance
Do you own commercial property? Are you suitably covered for you and your assets? Are you prepared for poor tenants or loss of rental income?
PB Insurance specialise in providing expert advice and solutions to commercial property owners to ensure ongoing financial security. We understand the complexities of ensuring ongoing return on your investment and the risks associated with leasing commercial property.
We have developed a range of specialist products and solutions through approved insurance companies designed specifically to address commercial property risks. Typically, these may include tenant damage, equipment breakdown, reduction in your rental income and liability involved with third parties at your property.
To learn more about complying with commercial property requirements contact Ian Yeo or simply fill in the form below.
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Paying your premiums
PB Insurance offers you a range of convenient options for paying your premiums through our DEFT Payment Options below:
Via the internet
Pay over the Internet from your credit card at http://www.deft.com.au/insurance
Mastercard, Visa, American Express & Diners Club Cards are accepted. *
*Payments by credit card will attract a surcharge.
Via the telephone
Pay by phone from your credit card. Call 1300 78 11 45 to make a payment.
Mastercard,Visa, American Express & Diners Club cards are accepted. *
The phone payment line is a 24 -hour service. Calls are charged at the cost of a local call (mobiles extra).
Via B Pay
Contact your participating bank, credit union or building society to make payment directly from your cheque or savings account. You will be required to enter the Biller Code and BPAY reference number as detailed on the front
of your invoice.
Via Post Billpay
Please present your invoice intact at any Post Office. Pay in person at any Post Office by cash, cheque or EFTPOS.
Please make any cheques payable to ‘DEFT Payment Systems’.
Via Mail
Detach payment slip from your invoice and mail with payment to:
DEFT Payment Systems
GPO Box 141
BRISBANE QLD 4001
Please make cheques payable to 'DEFT Payment Systems for PB Insurance'.
Please note that receipts will not be issued for mailed payments.
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Hospitality Insurance
Do you run a hospitality venue? Are you suitably covered for your staff and the public?
PB Insurance provide dedicated support to ensure the ongoing financial security and risk management of your hospitality venue. As experts in the field of hospitality we understand your specialist needs including public liability and liquor liability.
We have developed a range of specialist products and solutions through approved insurance companies designed specifically for the hospitality industry. These can be tailored to suit any pub, hotel, club, restaurant, tourism or food service outlet.
To learn more about complying with hospitality insurance requirements contact Bill Higgingson or simply fill in the form below.
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Specialist Insurance
Please choose a specialist industry:
COMMERCIAL PROPERTY OWNERS INSURANCE
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Travel Insurance
Do you and your staff travel domestically or internationally? Are you insured against interruptions to your business that occur due to travel related problems?
PB Insurance understands that travel can create risks and complexities to typical business insurance policies, and PB are committed to developing the best policies to suit your corporate travel needs. From small to large businesses PB Insurance will ensure that your business is covered in this specialist area.
We will help you to develop a comprehensive policy to suit your needs, including emergency 24 hour assist, security and peace of mind for those travelling, lost or stolen documents or belongings and protection against financial disruptions resulting from travel delays or problems.
To ensure your business is covered for your corporate travel requirements contact Ian Yeo or simply fill in the form below.
Through our professional partnerships PBI can also assist with all your personal travel insurance. Please click here to find out more.
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Student Accommodation
Do you offer student accommodation? Are you suitably covered?
Most student accommodation properties are insured under domestic home policies. This is insufficient and claims made under these policies will be rejected.
Suppose a student fell down the stairs and become permanently incapacitated and they, or their family, claim $5,000,000 compensation from you, how would you pay them?
If you submitted a claim under the public liability section of a home or landlords policy to indemnify you, you can guarantee the relevant insurance company will thoroughly investigate the use of the property and the claim would be rejected unless you had a policy specifically designed for this purpose.
We would add that all agents for owners of student accommodation facilities could be held vicariously liable if the correct insurance cover is not in place.
We have developed a facility through an APRA approved insurance company which is designed specifically for the student accommodation industry.
Please click here to link through to the Student Accommodation Industry Association website for additional helpful information.
To learn more about complying with the Student Accommodation insurance requirements contact Ian Yeo or simply fill in the form below.
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Business Insurance
Do you run a business? Are you confident that you have the right level of cover to protect yourself, your business and your staff?
PB Insurance have provided dedicated support to businesses since 1986 and understand implicitly how important the ongoing financial security and risk management of your business is.
We have developed a range of specialist products and solutions through approved insurance companies designed to provide the ideal options for businesses in any industry. The typical areas of business insurance we can provide include:
• Professional indemnity
• Management liability
• Tax probe
• SME business
• Loss of profit / business interruption
• Manufacturing
To learn more about all your business insurance requirements contact Ian Yeo or simply fill in the form below.
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Products & Services
Understanding the insurance needs of businesses ensures we offer the full breadth of commercial insurance services and products. From owner operators to large corporation, PBI have it covered for you.
We can provide advice, evaluation and insurance products in the following broad based areas:
• Business insurance
• Transport insurance
• Travel insurance
• Student Accommodation insurance
We also specialise in the following specialist areas:
• Hospitality insurance
• Industrial Risk insurance
• Commerial Property Owners insurance
We are continually growing our ranges of products and services to fulfil the needs of our clients and to grow our areas of specialism so please talk to us about any further insurance needs.
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Our Clients
We pride ourselves on the diversity of our business clients, each with their own unique needs. No client or industry is too complex or unusual for our flexible team who are committed to achieving the best results for our valued clients.
Our clients here at PB Insurance operate in a multitude of industries, from mining to hospitality and from medical to heavy transport. The loyalty of our clients over many years is testament to the care and attention we pride ourselves on providing. Watching our clients’ grow their businesses and working with them to facilitate this has been particularly rewarding over the two decades of PB Insurance.
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Our History
PB Insurance was established in 1986 in Caboolture and has grown under the guiding hand of Ian Yeo to a thriving team of fifteen staff with a client base of around 3,000.
Providing insurance solutions for businesses has become a passion for PBInsurance who have grown with the region and are looking forward to supporting their growing client base moving forward.
Affiliated to the Steadfast Group since 1998, PB Insurance are able to effectively combine local expertise and experience with the strength of Australia’s largest autonomous insurance broker cluster group.
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Our Team
Our dedicated team are focused on finding successful insurance solutions to suit your business. Contact us today to find out more.
Ian Yeo – Director / CEO
Ian.y@pbinsurance.com.au
Karen Takken – Operations Manager
karen.t@pbinsurance.com.au
Bill Higginson – Account Manager
bill.h@pbinsurance.com.au
Jennifer Bettridge – Account Manager
jennifer.b@pbinsurance.com.au
Megan Campbell – Commercial Broker
megan.c@pbinsurance.com.au
Andrea Niebling - Commercial Broker
andrea.n@pbinsurance.com.au
Brett Doyle – Account Manager Assistant
brett.d@pbinsurance.com.au
Wayne Keogh - Domestic Broker
wayne.k@pbinsurance.com.au
Tiahna McDonald – Account Manager Assistant
tiahna.m@pbinsurance.com.au
Chanece Halligan – Account Manager Assistant
chanece.h@pbinsurance.com.au
Kira VanStraalen - Account Manager Assistant
kira.v@pbinsurance.com.au
Maree Pickering – Claims Manager
maree.p@pbinsurance.com.au
Jane Hughes - Claims Assistant
jane.h@pbinsurance.com.au
Pam Garner – Accounts
pam.g@pbinsurance.com.au
Chris Ashcroft – Reception
reception@pbinsurance.com.au
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Transport/Plant Insurance
Do you need fleet insurance or simply insurance for your own business vehicle?
Do you run heavy transport in the logistics, warehousing, rail or shipping industry?
Are you looking for appropriate insurance to cover heavy mobile plant operations in earthmoving, civil works, heavy haulage or other similar industries?
Or does your business simply rely on specialist or prestige vehicles?
PB Insurance provide dedicated support customised for all transportation operators and businesses with vehicle insurance needs. As experts in this field we understand your specialist needs including liability, contract works, mobile plant and heavy motor machinery.
We have developed a range of specialist products and solutions through approved insurance companies designed specifically for the transport industry. These can be tailored to suit your needs whether you are a business with the largest of fleets through to an owner driver.
To learn more about complying with transport insurance requirements simply fill in the form below.
“Our business interests include a bulk haulage fleet of 40 trucks and trailers, a truck & 4x4 workshop facility, a landscape supply business and a small number of pieces of earthmoving plant and equipment operating predominantly in South East Queensland.
We have used the services of PB Broking for all our business insurance needs for many years not only because they have sourced competitively priced insurance cover, but because they have provided a personal, prompt and extremely professional level of service in all aspects of our insurance needs.
We certainly appreciate the no hassle approach they take when doing our annual insurance reviews and the way various options have been presented to us. When we have had to make claims, they have supported the claim process which also takes a lot of the hassle out of the process.
We would not hesitate to recommend the PB Team to any other parties requiring their services.
Peter Turner, Director, Gravel City Pty Ltd & Big Rig Repairs Pty Ltd
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Why use a broker?
Insurance is complex, particularly in the commercial arena. It is crucial to the success of your business that you have the RIGHT cover should disaster strike. Using an insurance broker could just be the best decision you make for your business’ bottom line.
Importantly, PB Insurance are truly independent from the banks and insurance companies and can advise what is best for YOU, not the insurers. Consequently, the policies you chose in conjunction with us will ensure you are only paying for the cover you actually need, negotiated to suit your budget by maximising our group buying power.
Going direct to an insurer may appear to be cheaper on the surface but you need to consider your level of risk and insurance carefully. Allow an expert from PB to guide you through the process, from enquiry all the way to satisfaction of a claim through our dedicated claims department, should the need arise. Understanding the vast range of products on the market and the processes involved requires a lifetime of learning so save yourself the time and effort to focus on doing what you do best – running your business.
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About Us
With Ian Yeo at the helm, PB Insurance have a skilled and hard-working team of insurance professionals dedicated to serving the complete insurance needs of businesses in the region.
As a member of the Steadfast Group, Australia’s largest autonomous insurance broker cluster group, our clients benefit from our extensive buying power. Steadfast has over 260 members with over 400 offices across Australia and writes over $2.5 billion in premiums, ensuring a wide selection of insurers and the ability to negotiate superior terms for clients.
We understand that there is no one size fits all solution and here at PBI we will work closely with you to understand your needs. Through our extensive experience and knowledge we will create the right packages and policies to accommodate, no matter how complex your situation. At PBI we pride ourselves on both our professional expertise and our flexible problem solving nature.
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Facelift for PB Broking Pty Ltd
After over 20 years in the marketplace the familiar face of PB Broking Pty Ltd has changed, and all for the better. With a tweak to the name and fresh new look PBi are moving forward with our staff and clients into an exciting new phase of the business.
Focusing on insurance for business, PBi will continue to offer personalized service, excellent products and the weight and security of the Steadfast Group, with whom we have been affiliated since 1998. It’s still the same great PB team but with a refreshed approach to the brand and the business.
Taking pride in our new look is a part of our commitment to our business and our loyal clients. Ian Yeo, Director of PBi explains “this is a great step for us to move forward with confidence for our clients into 2010”.
You will see new signage at our office, new uniforms, new stationery and this new website, designed to not only to be kinder on the eye but also to be easier to navigate and understand. The team hope you are as pleased with our new look as we are!
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