Insurance shouldn’t be something that gets looked at once a year and forgotten about.
Businesses change constantly. Staff are hired, contracts change, equipment is purchased, and new risks appear over time. We believe insurance should keep pace with those changes.
Our advice is based on knowledge and experience. We focus on understanding where the real risks are, what may have been overlooked, and whether your cover would provide the protection you need if something went wrong.
Our role isn’t just to place policy, but to make sure your business is properly protected.
Are you the kind of person or business we can help?
We’d love to learn more about your business and how we can support you long-term.
The foundation of Herron Insurance is built on advice, service, and relationships.
Your insurance adviser should be an extension of your business. We believe insurance works best when there’s ongoing understanding of the business behind the policy.
Our role is to understand how your business operates, identify where risks exist, and make sure your insurance continues to reflect those changes over time. The right advice before something goes wrong can make a significant difference, and we take that responsibility seriously.
Advice
Receiving the right advice, at the right time is crucial for the security of your business. And receiving that advice from an experienced adviser who is familiar with all facets of your business is essential. Our team partners with you to understand your business, and our consistent communication ensures that we are able to identify and assess risk as your business grows and shifts.
Service
We are committed to being proactive, not reactive. It’s not enough to simply put a policy in place and assume it’ll still fit as the business changes. As your dedicated adviser, we stay involved, identify changes early, and help you make decisions with confidence so you can focus on running and growing the business.
Relationships
Strong relationships lead to better outcomes. We build trusted relationships not only with our clients, but also with insurers and partners. Those relationships help us advocate more effectively, communicate more directly, and ensure our clients receive support throughout the entire process.
Partnering with Herron Insurance gives you confidence that your business is secure and protected. We’re real people, committed to building long-term partnerships with our clients.
The Herron Approach to Insurance Claims
Our ultimate goal is to get your business or household back up and running quickly. As your insurance adviser, being there for you at the time of a claim is the most important role we play. The claims process can be long and complex, but we work closely with you and our insurance partners to ensure that this process is as simple and efficient as possible.
To do this, we guide you through the claims process, from lodgement of the claim, to monitoring the progress, and negotiating with our insurance partners to ensure the best possible outcome.
Our Process:
Helping you navigate the insurance industry
Step 1
We get to know you and your business by undertaking a detailed review. The better we understand your business, the better our advice.
Step 2
All businesses are different, so we work with you to understand your insurance requirements. We will also assist in identifying areas of your business that may be exposed to insurable risks.
Step 3
Once we have an understanding of your business, we prepare comprehensive insurance submissions to present to our extensive network of insurance companies and underwriting agencies.
Step 4
We work with insurers that underwrite your industry and negotiate the most comprehensive and competitive coverage for you. We also work to unlock the full potential of your insurance program.
Step 5
We present you with coverage and options in a clear format and provide advice to ensure you are making the right decisions.
Step 6
We are your one point of contact and with you every step of the way – including managing your claims.
Step 7
As your business grows and changes, we continue to review your insurance program, looking for opportunities to strengthen your profile within the insurance market.
Our Insurers:
The insurer behind a policy matters as much as the policy itself. We carefully select and recommended insurers based on a number of key criteria, including (in no particular order):
- Financial Strength
- Claims Payment/Experience
- Reputation
- Motivation of actual underwriters and their expertise
- Local Authority
- Appetite
We work only with APRA-approved insurance companies and specialist underwriting agencies with a Standard & Poor’s rating of no less than A-. Our insurance is comprehensive and competitive, coupled with relationships with underwriters and industry leaders that have been formed over many years across various specialties and companies.
You will only be partnered with an underwriter that is motivated to cover your business – it is not simply a transaction.
Importantly, we also encourage you to meet your major underwriters.
We're ready to help.
Our team are real people who care about our clients and our community of business owners. Get in touch to learn how our services will give you confidence that you’re protected when you need it most.