At LTM, you will get the best insurance and risk-related advice at the most affordable rates in the modern market
Regardless of your needs, we shall deliver promptly
We care about all your insurance needs. Contact us now
We have been providing Insurance advice for three decades
LTM is a leading company in the provision of quality advice on insurance and risk management in Sydney.
Insurance brokers fill the role of providing professional advice associating with your insurance needs.
Acquiring correct insurance advice from a qualified insurance broker can save you time and money when working out the range of insurance alternatives available today – whether you are a sole trader, small business owner or a business customer.
We deal with a substantial variety of clients with varying insurance and risk profiles. We match those profiles with our team members to ensure that we provide each customer with a team that not just comprehends the customer’s insurance and risk direct exposures but also has a high level understanding of, and experience in, the insurance market appropriate to the specific customer.
LTM operates in a team environment to ensure that more than one staff member recognizes with the requirements of your business. The group of highly certified and experienced workers available to assist with your insurance matters is detailed in our profile.
Insurance brokers fill the role of offering professional advice associating with your insurance needs.Gaining correct insurance advice from a qualified insurance broker can save you time and money when working out the range of insurance alternatives available today – whether you are a sole trader, small business owner or a business customer.
A major benefit of utilizing a broker is that the broker offers you access to a big variety of insurance alternatives from which the specific policy which suits your needs can be recommended. A certified broker can advise on the costs and exclusions of the policies you are thinking about and offer unbiased advice, an explanation of the policy you have selected, as well as arranging the cover for you.
By using a broker, it is often possible to benefit from cost savings which might have been worked out straight with the insurance provider with the broker. All commissions and fees payable to the broker will be talked about up-front so there are no surprises when your policy declaration ends up being due.
All of our brokers maintain the industry’s highest professional and ethical standards. With regular training and professional advancement, our personnel are kept up to date with the current industry patterns and advancements, so you can be assured of a high quality broking experience with LTM.
As certified insurance brokers and risk supervisors, LTM can provide for your total insurance needs and can source the perfect insurance product for you either nationally or internationally. Whether your needs are small, medium or large, in a business or industrial environment, we have the ability to tailor the best staff member with the skills to help you meet your goals.
We provide a host of services and items including;
In addition to the standard insurances, LTM has a professional group addressing the following items:
• Expert Indemnity
• Public & Products Liability
• Workers Compensation
• Sports Insurance
• Eisteddfod Liability
• Dance Liability
• Contract Work
Insurance is a kind of contract where routine payments (also called insurance premiums) are made to an insurance company, in order to provide a private or business payment in case of home loss or damage.
The main purpose of insurance is to safeguard yourself or your family against the financial effect of a catastrophe. In general, it is contract in which one party agrees to spend for another party’s financial loss resulting from a specified occasion. Insurance generally consist of 3 things – insurance company, insured and policy. An entity looking for to transfer risk (an individual, corporation, or association of any type) ends up being the ‘insured’ party when risk is assumed by an ‘insurance company’, the guaranteeing party, by means of a contract, specified as an insurance ‘policy’.
There are two main ways to buy insurance. The first one is straight through an agent and the 2nd one is to do it yourself. The main benefit of buying insurance from other is that a sincere and skilled insurance company will choose according to the scenario and make suggestions. The benefit of going on your own is that less cash is needed for it. While buying any kind of insurance, an individual will save cash by paying annually or semi-annually. In some cases buying numerous kinds of insurance from the exact same business will save cash.
There are different kinds of insurance available in the market. Life insurance is a kind of insurance that pays financial proceeds upon the death of the insured covered in the policy. There are main two kinds of life insurance that are term insurance and long-term insurance.
The medical insurance policy is a non-life insurance policy, which covers the expenditures sustained by a private in case of an injury or hospitalization. People have to pay a very little premium for buying medical insurance. Its main types are indemnity plan, chosen provider organization and health care organization.
Homeowner insurance policy covers home and contents. There are two type of Homeowners Insurance coverage and these policies can be divided into two classifications named-Peril Insurance and all-risk insurance. You should also take out cover on your home contents when you move home in Sydney. For more details:
Automobile insurance is the insurance against loss due to theft or traffic accidents. It can be purchased for vehicles, trucks and other vehicles. Its primary use is to provide security against losses sustained as a result of cars and truck. Its main types are general liability, no-fault insurance, uninsured automobile coverage and medical payments.
Car insurance is the insurance against loss due to theft or traffic accidents. Its main types are completely comprehensive automobile insurance, third party insurance, fire and theft insurance, third party insurance, specialized cars and truck insurance.
Term life insurance offers security for a particular amount of time. It pays an advantage just if you die during the term. Term life insurance can be found in two basic ranges term life policies and cash value policies.
There are various insurance suppliers that creates and markets insurance services for people, households, groups and businesses worldwide. Now, there are also online insurance facilities that help an individual to select insurance just by clicking. After satisfying the basic requirements of the insurance provider, person is qualified for it.