Category Archives: Insurance

What is Public Liability Insurance and Why Do You Need It?

If you are operating a business, you need to think about the welfare of your customers and the general public. Depending on the nature of your business, it might cause certain hazards to your customers and general public in one way or another. It is important that you recognize these risks and talk about insurance with any public liability insurance Perth brokers or agents. They can help you understand the importance of this type of insurance and in finding the right coverage for your business needs. About Public Liability Insurance As the name implies, public liability insurance is designed to give protection to your customers or the general public from any loss or injury incurred as a result of your business activities. When that customer makes a claim, your insurance provider will pay for the expenses and other legal costs associated with filing the claim. You can select different types of coverage on public liability. However, the decision on which coverage to choose will vary according to the nature and size of your business operation. Your clients, however, expect you to get at least the minimum coverage. The area in which you operate your business in can also have a direct impact on the cost of your insurance coverage. Is It Required By Law? There are no current legal amendments that require business owners to obtain public liability insurance. However, you need to speak to the Oracle Group – Public Liability Insurance if you want to keep your operating expenses at a minimum. The savings you can make can be substantial when the time comes that you need to use this insurance coverage. Hence, you can let the insurance company deal with the problem and your business can go on operating as usual. Reasons to Get This Type of Insurance There are several costs involved with opening and running a business. Hence, most business owners would argue that paying for this type of insurance is only an unnecessary cost that could be prevented. However, accidents happen and it is hard to predict when they will happen. Getting public liability insurance Perth brokers to help you in finding a good coverage can prevent more losses. Public liability insurance is also beneficial for customers for a number of factors. First off, you do not have to worry about the medical costs (if needed) or repair for any damage done to a property or valuable items as a result of negligence or other unforeseen circumstances. A company that has this type of insurance coverage also reinforces their professional image. It is evidence to their commitment in strengthening their brand reputation and also exhibits their ethical concern towards customers and the general public. Would you like to be more informed about public liability insurance? You need to speak to a representative on public liability insurance from Oracle Group. The insurance broker firm can provide you with the information you need to protect your business from losses. If you would like to get started with one of the best public liability insurance Perth brokers, visit

Why You Should Consider Using Claims Specialists

Consumer finance headlines are still dominated by PPI claims, as more consumers become aware of mis sold policies. This is further fanned by numerous successes posted on different media sites. It however does not mean that there is no small percentage of people who do not even know what PPI is or even how to lay claims in case they were mis sold. For victims with no idea on how to claim, Webster O Brien Solicitors PPI Claims Specialists can be considered to act on behalf of a client.

PPI was designed to cover debt repayments or loans in case unforeseen problems arose. These include illness, retirement, job loss and death. The policies did work of course, and they varied depending on each company. They were sold to consumers as part of the deal when taking loans. In a number of cases, clients were never informed of this. For example, the self employed or those with existing medical conditions were not eligible for the cover. People who think they were mis sold on these grounds may contact Webster O’Brien Solicitors-PPI Claims Specialists.

Sales people also never explained to a number of clients what the policies were. At other times, clients were told they could not get loans unless they took out PPI, which was a lie. If anyone was sold PPI on these grounds, they may consult Webster O’Brien Solicitors- PPI Claims Specialists to find out how much they can win on claims.

Before consulting specialists however, it is prudent to know who qualifies to lay claims. In case an individual took out a loan, mortgage, car finance or credit card, they may be candidates for refunds. If an individual had pre existing medical conditions by the time they took the loan, they are supposed to be reimbursed. In case one can see the following terms in a loan agreement form, or something similar to these;

  1. Loan Protection.
  2. ASU.
  3. Protection cover.
  4. Loan Care.
  5. Protection plan, they were probably mis sold on PPI and deserve to be refunded.

In case the documents are not available, there are still ways of claiming if one is sure they were mis-sold on PPI.

Most of the time, people are wary of using claims companies, because they are advised to seek compensation by themselves. Stories about claims specialists charging clients highly are doing their rounds too, leading to fear on the part of claimants. Claims companies have assisted so many people to get what they deserve. Instead of an individual having to run up and down, moving from one office to the next, there is the option of sitting down and letting someone else do it on their behalf.

Reasons for using a claims company include:

  1. PPI claims specialists are trained and able to give claims individuals proper attention.
  2. Most do not charge upfront because they believe this is unethical. Few that do are almost out of business.
  3. The ‘no win no fee deal offers a client peace of mind.
  4. All customers are treated individually.
  5. Charges are clear and simple, and are often honored.