You are as unique as your fingerprint and we value that individuality which makes Zero Risk a one size fits one insurance broker.
In this constantly changing world where so much is virtual, Zero Risk is personal – from beginning to end, from policy to claim, we wrap you in protection and develop insurance policies that suit your needs and lifestyle.
There’s nothing off the shelf here; we don’t just process paperwork, we give you our time and our collective experience because that’s what lights our fire. We get to know you, we get the best insurance for you – whether it’s personal or for business - and that’s the Zero Risk point of difference.
As our name implies, we’re risk averse and very good at sniffing it out. Our team works carefully to assess your risk profile and develop an appropriate risk portfolio. Whatever this looks like it will reflect your individual needs - whether that’s insurance to protect your life, health, income or disability.
Insurance is an ever-changing landscape and we stay up to date, on trend and we are absolutely the people to trust with everything you treasure.
“With over 29 years in the insurance industry, we are in a strong position to connect your financial risks with the most suitable protection, adjust your portfolio to changing circumstances, manage the claim process so it is as smooth as possible and relieve some pressure during a time which can be extremely stressful.”
— Tim Flowers, Insurance Broker & Director Zero Risk
Services
Life Assurance
Put simply, Life Assurance provides a benefit following the death of an insured person. The trick is understanding how much Life Assurance is enough. Zero Risk will work with you to formulate the most appropriate solution ensuring you get the right cover.
Mortgage Repayments
Ask yourself : in the event of long term disability, how long could you continue to pay the mortgage? Mortgage repayment insurance provides a monthly benefit in the event the insured is unable to work due to an illness or injury. With flexibility, the policy can be a cost effective solution designed to protect what is often your most valuable asset.
Income Protection
Without an income can you afford to pay the mortgage, the household bills, put food on the table? Income Protection provides a monthly income in the event the insured person is unable to work due to an illness or injury. The unexpected can happen at any time.
Business Protection
Businesses can face various financial risks associated with the loss of business owners or key people. Unforeseen share purchase costs, debt funding and lost skills can all place financial pressure on a business. Consider the loss of skills, knowledge and relationships, could your business continue to operate unaffected?
Health Insurance
Health Insurance can provide you with the option to avoid long surgical waiting lists or to get medical treatment when you need it without undue delays. Perhaps you want to cover hospitalisation only or you may want to add cover to avoid unexpected medical costs altogether.
Trauma and Total Disability
This provides a lump sum benefit in the event the insured suffers or undergoes one of the covered conditions or treatments or is so disabled by illness or injury that they will never return to work again. Insurance will never be the cure, but it can help remove some of the pressures that affect households in these circumstances.
We are proud to have helped our clients through some difficult times and some of them have shared their story.
Get in touch
We’d be happy to discuss your own situation and requirements to customise a plan to suit your own needs.