General Insurance

Insurance can be complex, even more so when jargon is used. At Watkins Taylor Stone we use plain english to discuss your insurance programme with you. Our staff understand the needs of a diverse range of commercial operations, as well as individuals.

It is our job to ensure we get the right insurance for you. That takes time and effort, but we like to make certain that our clients have the best possible cover for the best possible price.

We offer comprehensive insurance broking services, including a dedicated claims person who can liaise with insurance companies and loss adjusters on your behalf. This way you can rest assured that if you have a claim, we are working for you to minimise the settlement time.

Professional and Financial Risks

Professional Indemnity, Information Technology Liability, Defamation, Employment Practices Liability, Association Liability, Trustee Liability, Prospectus Liability and Directors & Officers Liability are all extremely specialist areas of insurance. The key staff at WTS involved in Broking this business have many years experience and are recognised in the market as highly professional. Recent developments in the liability insurance market have resulted in policy wordings being issued with restrictive and sometimes inappropriate exclusions. The complexity of arranging the best possible protection can be a real minefield and it requires close attention to details.

Property Insurance

Our business was founded on a strong real estate background and this property protection niche is fundamental to the establishment of most Insurance programmes. We have access to all leading Underwriters in Australia and also overseas markerts. Insurers are becoming extremely selective in their acceptance of risks and the need for advice in connection with risk management and protection is of immense importance. When broking a client's business we are cognizant of the need to present to the Underwriter in a way which reflects the client's business in the most attractive manner. Quality presentations get results!

A local property damaged by fire

Public and Product Liability

The liability market in recent times has been volatile with premiums increasing and the availability of cover for some industries is minimal to impossible. The need to adopt a professional attitude to risk management has never been more important and any expenditure in this area will provide a business with a much better chance of purchasing cover and ensuring the most reasonable premium cost. Risk management techniques can be discussed with one of our broking staff and where required, we can call upon specialist consultants. Once again, Quality presentations get results!

Landlord Residential Protection

As we have a long standing connection with the real estate sector it is natural that we should acquire some expertise in assisting residential property owners and we have developed a low cost protection package, which is extremely successful, with over 2000 policyholders.

Workers Compensation

Premiums for this compulsory part of the insurance programme have become a major burden for many employers, especially in the construction, manufacturing and hospitality industries. The selection of the most appropriate fund manager (most importantly claims management), the implementation of an effective safety programme and maintaining compliance with Workcover regulations have made it necessary for many companies to appoint a full or part time risk manager, at WTS together with your fund manager we can assist you with managing this potentially onerous task and with the best of intentions reduce this major overhead.    

Home Warranty Owners Warranty

Over the past four years Warranty Insurance has become a nightmare for those involved in the construction industry, though the situation is starting to improve with several insurers now offering a Home Owners Warranty product. Watkins Taylor Stone are one of just a few Insurance Brokers that have direct access to Vero Insurance Ltd, CGU Home Warranty Insurance and Lumley General Insurance. For more information, please contact Anthony Scott, Scott Seymour or Craig O’Shannessy who can assist those in the construction industry obtain this insurance cover with a minimum of fuss and without undue delays.

Aviation

WTS are the appointed broker to The Australian Ballooning Federation. Scott Seymour is recognized as one of the industry’s leading specialists in this class of insurance and has formed strong links with London Underwriters to secure the best possible terms.  

Personal / Domestic Insurance

Watkins Taylor Stone have access to a variety of Insurance markets to suit your domestic insurance needs. We are able to arrange:

• House and/or Contents Insurance
  
• Personal Motor Vehicle Insurance
  
• Personal Property Insurance – ie. Caravans, Boats

Premium Finance

With the escalation of premium costs, the need to spread payments out over a longer period has become a necessity in assisting with cash flow. With the use of market financiers and our own finance facility, we can ensure our clients access an instalment plan at the most reasonable cost to their business.