The Importance of Insurance

There are two schools of perspective when it comes to insurance:

1. Insurance is a waste of money. Pay a premium, never claim and round it comes again the following year, and there is no return. Plus, it takes time we do not have; or

2. Insurance saved my business, when the {insert disaster situation here}.

The key is understanding what you buy when you purchase insurance and knowing that if the worst happens then there is some insurance that will respond.

I have been an insurance broker for over 30 years. I have spent my time meeting businesses and not for profits getting to understand what it is that worries them and letting them know what I would be worried about if I was in their shoes. It is a relaxed approach. No one needs to buy insurance unless they want to. There are only two compulsory covers – employers’ liability and motor fleet – so everything else is a matter of choice.

The choice needs to be an informed one.

It has been a turbulent year in the insurance world. After many years of relatively low premiums in a competitive insurance market, the tide turned. Fires, floods, overseas disasters, a pandemic and subsequent economic slowdown have hit insurers hard. Premiums are going up for many, but not all.

Now is the time to become informed.

I started Sona Insurance Brokers in November 2019 having worked for a few insurance brokers over the years with a resolution that I would advise clients on what they can and cannot insure for and what they might consider and manage. I am not an advocate of buying any and every policy that a company could buy, but I have seen my fair share of surprising situations to know how valuable a policy can be when things go wrong, particularly cyber related in recent times.

Part of the role is to be there when things do go wrong. I have seen people run for the hills when things go wrong. That is not our approach. Sona wants to help.

Sona will help you undertake a thorough review of your organisation’s risks. It does take a bit of time, but it leads to some major benefits, such as better premiums, preparedness and importantly peace of mind.

Sona means wisdom. It is wise to be informed, particularly in these turbulent times. For more information visit: www.sonainsurance.com

by Rob Thacker

Sona Insurance Brokers

Collaboration Partner – The Brooke Consultancy

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I sincerely thank our legal team for your dedication and assistance in handling our lawsuit against a foreign exchange company in the past few years.

Even more heartfelt thanks to Crl McMeel, lawyer Lynne and lawyer Kerem for your dedication and assistance in this case.

I express my highest thanks here!

I hope everyone will have the opportunity to cooperate again in the future!

Target Rich International Taiwan

Lynne and the team at The Brooke Consultancy have been providing legal advice for my practice over a number of years. Their impressive knowledge and application of the law spans across a spectrum of sectors and fields, the added value they bring to my business cannot be understated. The legal advice they have provided has proved essential and has enabled my business to flourish and grow.

Over the years I have referred The Brooke Consultancy to several clients, collaborators, peers, and business contacts and the results have been nothing short of outstanding.

I cannot recommend The Brooke Consultancy enough, if you are seeking legal advice as an individual or as a business, look no further.

Pedro Gil

Architect, ARB, RIBA Target Rich International Taiwan

TBC have been my go-to law firm for many years with any legal issues on behalf of both clients and for myself. Lynne Brooke is a highly experienced lawyer and master tactician, who handles every case with the utmost sensitivity and professionalism. We have worked together on numerous litigation and reputation management projects in each instance the result was a positive outcome. I can highly recommend TBC for their ability to cover all aspects of commercial law and their transparent approach of working on a results focused project/fixed fee basis.

Sabine Raabe

I would highly recommend the TBC team – reliable, knowledgeable, and conscientious professionals who give clear user-friendly advice – just what you need in a law firm.

Bob Breen

Bob Breen Associates Ltd

TBC has generously provided me with expert legal advice over a five-year period. He responds with tenacity, reassurance and encouragement alleviating anxiety which flares during critical moments in the litigation process. Lynne is an ‘outside the box’ thinker and dares to venture where others fear to tread. He is an absolute treasure of a man with a sound intellect and a sense of humour.

Jude Kidd

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The choice needs to be an informed one.

Now is the time to become informed.

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