Insurance broker · adviser in insurance matters
What a good insurance broker can do for you.
We provide independent advice, compare offers and policy terms, negotiate premiums and clauses, review the issued policy and support clients throughout the contract and in claims.
Our role
Advise, compare, negotiate and support.
Advice & comparison
We assess the risk and compare premiums, benefits, exclusions, deductibles and wording.
Premium negotiation
Depending on risk and market, premiums, deductibles and terms may be negotiated.
Policy design
Special clauses, framework arrangements and extensions can materially improve standard cover.
Policy review
We check that agreed benefits, sums, clauses and premiums are correctly documented.
Ongoing service
We help with changes, payments, new risks and adjustments throughout the contract term.
Claims support
We help with notification, documents, inspections, communication and settlement.
Advice in insurance matters
Advice can also be valuable when no new policy is being arranged.
The Austrian trade designation combines insurance brokerage with advice in insurance matters. This means our work also includes professional advice on insurance questions alongside arranging and servicing policies.
Review policies and wording
We explain cover, exclusions, clauses, deductibles and disputed coverage issues and show what they may mean in practice.
Out-of-court claim support
By separate agreement we can also assist with existing or third-party insurance relationships outside court proceedings, including claim preparation, communication and settlement review.
Independent second opinion
A professional assessment can be useful even without a new policy, for example after a coverage rejection or where the cause of loss or policy wording is unclear.
One continuous process
From first conversation to a settled claim.
Understand risk
Compare market
Negotiate
Review policy
Support & claims
Status transparency
An insurance broker and an insurance agent are not the same.
Insurance broker
An independent broker is not tied to a single insurer and, under Austrian broker law, must predominantly safeguard the customer's interests.
Insurance agent
An agent acts on behalf of one or more insurers and must disclose the capacity in which insurance is distributed.
Direct purchase
A direct purchase does not include an independent broker's market and wording review.
Claims
Many parties, many details – one contact point.
Before notification
Discuss cause, cover and required documents.
Coordinate inspection
Align client, experts and contractors where useful.
Review settlement
Check reports, estimates, invoices, deductibles and limits.
Personal service
Herbert Helm MBA and team.
Herbert Helm MBA
Insurance broker · adviser in insurance matters · licensed financial adviser
SICHER mit HELM
More about our office, team and specialist portals.
This portal explains the role of an insurance broker. Our main website provides the full overview of our advisory services, team and specialist insurance areas.
Personal advice
Insurance should not only be affordable. It should work when needed.
Herbert Helm MBA
Insurance broker · adviser in insurance matters · licensed financial adviser
+43 7474 23456
helm@sichermithelm.at
Insurance broker · adviser in insurance matters · licensed financial adviser
+43 7474 23456
helm@sichermithelm.at