The Hidden Dangers of Doing It Yourself
Online quotes might be fast—but they could leave your business exposed when it matters most.
It’s 11:47 PM. You’re finally ticking insurance off the to-do list after a 14-hour workday. You punch a few details into a website, accept the cheapest quote, and boom—policy done. No need to bother with a local insurance broker Tasmania… right?
What could possibly go wrong?
As it turns out… quite a bit.
🧨 What You Don’t Know Can Hurt You
DIY insurance might seem convenient, but many small businesses don’t realise the risk they’re taking by going it alone. Those clever online forms don’t ask the right questions for your business. And if you don’t know what you need covered, your insurer won’t cover it.
Common pitfalls we see all the time:
- Underinsurance – You’ve undervalued assets or stock. The payout won’t cover replacement costs.
- Missing cover types – No protection for business interruption, cyberattacks, or public liability? Yikes.
- Nasty surprises in the fine print – Exclusions, gaps, or conditions that no one explained.
- No one to call when you need help with a claim or review.
🛡️ Enter: Your Local Broker
At RSM Tasmania, we don’t sell generic cover. We work with you to understand your business—from the size of your backroom to your long-term goals. Whether you’re a tradie, café owner, creative, or consultant, we’ll find the right protection to suit your situation.
But the real magic happens if something goes wrong.
Because here’s the truth most people don’t realise until it’s too late: making a claim can be complicated.
We speak fluent “insurance.” That means we can explain your policy in plain English, help you understand what’s covered (and what’s not), and guide you through the claims process without all the runaround.
Instead of wasting hours on the phone or navigating online portals, you can:
- Call us directly – we’ll lodge the claim on your behalf
- Get faster results – we know how to push things along with insurers
- Avoid common mistakes – that could delay or reduce your payout
- Stay focused on your business – while we chase the paperwork
- Reduce stress – because let’s face it, you’ve got enough on your plate
We’re not just here for the sale—we’re here when it counts. With a local insurance broker in Tasmania, you’ve got an advocate on your side from the moment something goes wrong to the moment things are right again.
💡 Better Cover, Better Value
Another hidden benefit of working with a broker? We can mix and match policies from different insurers to give you the best bang for your buck.
Unlike a one-size-fits-all policy bundle you find online, we can:
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- Custom-build your cover – selecting the best insurer for each type of risk
- Avoid paying for what you don’t need – or doubling up on cover
- Get better premiums – because we know which insurers offer value in the areas that matter to your business
- Uncover multi-policy discounts – that you might miss flying solo
Think of it as building a business insurance plan that actually fits—not one that’s just off the rack.
📍 So, Can You DIY Your Insurance?
Sure—you CAN!
But Should You??
Not if peace of mind and the future of your business matter.
For tailored advice, real support, and cover that actually fits, speak with the local insurance broker Tasmania trusts – RSM Tasmania. We’ve got your back.
Remember, this article is general in nature and doesn’t take into account your specific objectives, financial situation, or needs. For advice tailored to your circumstances, have a chat with us at RSM Tasmania Insurance Brokers Hobart.
Talk to Roger Hosie and stay ahead with RSM Tasmania’s insights.
Call Now! (03) 6244 7854, or email .
