Q&A with Kathy Calleja, director of B Insured Brokers

Melbourne based business insurance brokers B Insured Brokers have been providing financial and professional advice to Australians for more than two decades.

Promising competitive prices and a customised service, they are committed to getting results for their customers as well as taking the stress and confusion out of the insurance claim process along the way.

Trust is a crucial element to the industry too, and with over 30 years of experience, B Insured Brokers’ director & principal advisor, Kathy Calleja is someone you can trust. A fully qualified business insurance broker, she’s across every new and existing client to ensure high standards are maintained and great outcomes are achieved. 

So, if you want to learn more about the company, the ins and outs of the insurance industry and some handy tips, keep reading for our interview with Kathy Calleja…

1. How did you get started in the business insurance broker industry?

I started out as a temp for an insurance company in approx. 1988. I really enjoyed it and found it interesting.  After many years working in the industry, I decided to become a broker. I recognised the gaps between customers and the insurers and wanted to minimise this for the customer.

2. When and why did you decide to set up your own company, B Insured Brokers?

I decided to set up B Insured Brokers in 2022 as I can add value to customers and share my knowledge with them.  

3. What are the most common types of insurance that you cover people for?

Our services are quite broad. We provide Professional, Commercial and Domestic Insurances. Some of the most common types of insurance that we get enquiries about are truck insurance, cybercrime insurance, business insurance and business assets insurance, professional indemnity insurance and management liability insurance.

4. A lot of individuals & businesses have had bad experiences with insurance companies. Why should someone get insured through B Insured Brokers as opposed to a competitor? What do you do better or differently?

Direct insurers do not offer all products nor can they offer advice as they are not qualified.  The onus is on the customer to ensure they have read all the documentation and understand what they are buying. This is a very complex process and many customers can find themselves not insured or underinsured.

At B Insured Brokers, everything is done in the interest of the client. As a broker, I work on behalf of the client providing advice in respect to insurance products and policies and assist at a time of a claim. 

5. How do you help clients decide which policies are best for them and how easy is the process?

As a business insurance broker, my team and I have thorough conversations with our clients to establish the risks and exposures that are present for them. Once this has been worked out, we approach the market and complete comparative quotes. When this is completed, we will speak to the customer and provide recommendations on price and covers to ensure it suits their needs.

6. What are some of the most important areas to be insured for both personally & professionally?

It is important that the entire risk is covered comprehensively. This will vary in respect to occupation, industry etc.

7. What are some of the most common mistakes people make when it comes to insurance?

Common mistakes that a consumer can make when purchasing insurance is under-insuring themselves or leaving out certain covers and not understanding the policy they are buying.

8. What are some of the most frequently asked questions you get about insurance and what would your advice be?

Am I covered? Are my sums insured correct? Does the Insurer pay a claim? Can my son & daughter drive my car?