Highly Respected National Provider
of brokered insurance products and services.
Based in Perth, Western Australia, LTM Risk Partners is a highly respected national provider of brokered insurance products and services.
The firm was established back in 1972, and in these early years the focus was on providing general insurance products. But as client requirements changed so did the LTM service offering, with the result being an extended client base that included corporate and commercial customers.
More recently, LTM has again broadened its client base and today the firm is the appointed preferred insurance broker to many state and national insurance facilities.
In fact, LTM Risk Partners is widely recognised as being a specialist provider of innovative broking services for an extremely diverse range of industry groups and associations from dry cleaners and launderers through to earthmoving contractors and eisteddfod operators.
LTM has also developed long-term strategic relationships with all major Australian insurers. The firm also has agreements to place insurance with approved international insurance providers including Lloyds.
LTM Risk Partners product and service provision includes:
- Business Insurance
- Professional Indemnity Insurance
- Public and Products Liability Insurance
- Workers Compensation Insurance
- Medical Professional Insurance
- Construction Insurance
- National Franchise Insurance Programs
- Community-based Association Insurance Programs
- Child Care Insurance
- Sport and Leisure Insurance
- Dry Cleaner and Commercial Launderer Insurance
- Eisteddfod and Dance Liability
- State and National-based Insurance Programs
- Custom-Built Online Insurance Services
Our People
- Our People
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- Rod Tancred
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Rod Tancred
DIP FIN SERV (BROKING), QPIB, CD
DIRECTOR
Rod is responsible for operational management of the firm and leads the medical and professional client portfolio. Rod has nearly 35 years experience in the general insurance sector, senior management experience and broking roles. Rod oversees the retail team and is constantly looking for new ways to improve the products and services we provide to our clients.
Phone: (08) 9201 3402
Mobile: 0411 724 891
Email: rod.tancred@ltmrisk.com.au - Darryl Morris
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Darryl Morris
JP CIP
DIRECTOR
Darryl's responsibilities include overseeing the financial, marketing and business development operations for the firm. Additionally, Darryl manages his own portfolio as well as a team of account executives and their broker assistants. Darryl has had over 30 years experience in the general insurance sector incorporating senior management and broking roles. Darryl's team is continually striving to develop and implement new and innovative facilities throughout Australia.
Phone: (08) 9201 3403
Mobile: 0439 978 036
Email: darryl.director@ltmrisk.com.au - Brad Gedge
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Brad Gedge
Dip Fin Serv (Broking)
DIRECTOR
Brad has been in the insurance industry for 25 years and leads the professional indemnity portfolio for the firm. Brad holds a Diploma Financial Services (Broking) and is an expert in his field. He can assist with the simplest through to the most complex professional indemnity needs for all industry sectors. Brad is also responsible for the compliance and risk management for the firm.
Phone: (08) 9201 3401
Mobile: 0419 834 005
Email: brad.director@ltmrisk.com.au - Rhonda Easton
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Rhonda Easton
OFFICE MANAGER
Having come to us from an oil and gas industry background where she was an office manager/bookkeeper, Rhonda is new to the insurance industry. Rhonda’s role at LTM involves dealing with non-insurance-related client matters, issues relating to compliance, HR, IT and finance. Rhonda is also interested in charity work and heads our charity committee ensuring, along with our Directors, that LTM makes a genuine and ongoing contribution to our community.
Phone: (08) 9201 3408
Mobile:
Email: rhonda.easton@ltmrisk.com.au - David O'Reilly
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David O'Reilly
CIP
SENIOR ASSOCIATE
David has 25 years experience in the Australian Insurance market - with senior management experience and over ten years Broking experience. He is responsible for the management of his diverse portfolio of business clients. Please contact David today to gain the benefit of his experience and high service ethic.
Phone: (08) 9201 3413
Mobile: 0448 669 000
Email: david.oreilly@ltmrisk.com.au - Malcolm Campbell
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Malcolm Campbell
AR No: 354521
AUTHORISED REPRESENTATIVE
With nearly 30 years experience and having worked in many diverse insurance industry roles, Malcolm is one of our Authorised Representatives. Malcolm has a substantial portfolio of SME clients – and, thanks to Malcolm's focus on providing exceptional service, many of these clients have been with him for significant periods of time.
Phone: (08) 9201 3420
Mobile: 0424 445 194
Email: malcolm.campbell@ltmrisk.com.au - Bob Dawson
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Bob Dawson
AR No: 482187
AUTHORISED REPRESENTATIVE
With nearly 45 years insurance experience (28 years of those dedicated to broking), and having held senior positions in underwriting, claims management and broking, Bob is an industry stalwart. Bob managers a growing portfolio of SME businesses across a spectrum of industries including contracting and earthmoving, the bus and coach industry, and sporting risks.
Phone: (08) 9201 3406
Mobile: 0409 924 569
Email: bob.dawson@ltmrisk.com.au
Products
- Our Products
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- Professional Indemnity
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Professional Indemnity
In the course of business, companies sometimes find themselves in disputes over alleged failures of their services or products that have caused financial damage to third parties. A Professional Indemnity policy will cover defence and settlement expenses associated with services provided as a consultant, designer, professional (accountant, healthcare worker, engineer, etc) as well as policies that cover products such as technology and other equipment.
LTM is one of the leading providers of Professional Indemnity insurance. Our specialist knowledge and access to a range of markets means we are able to offer a wide choice of quality products.
Technology Insurance
LTM recognises the Information Technology sector is one of the fastest growing markets, we can offer a sophisticated yet seamless insurance solution. We have access to a range of information technology products, which can be tailored to the specific needs of your business. The policies all offer a comprehensive combined Professional Indemnity and Public and Products Liability solution with separate limits and deductibles.
- Public and Products Liability
- Workers Compensation
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Workers Compensation
All employees injured by accident or industrial disease arising out of or in the course of their employment are legally entitled to compensation under the various Workers’ Compensation statutes. The Acts in each State and Territory require employers in Australia to maintain compulsory “no fault” insurance to cover their legal liability.
- Sports Insurance
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Sports Insurance
Many Risks - One Solution
Platinum Liability is the ultimate liability solution for your sports, leisure and licensed club clients. Platinum Liability has been developed with both brokers and clients in mind using a single comprehensive wording incorporating General Liability, Professional Indemnity and Management Liability.
- Construction Insurance
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Construction Insurance
Covers loss, destruction of or damage to contract works and all materials ascribed to the contract whilst in transit or on or adjacent to "the insured site". (Cover applies both during the construction and maintenance periods and is tailored to reflect the particular risks specified that relate to construction contracts). Can also cover legal liabilities for injury to any person(s) and/or damage to any property of third parties arising out of the construction / maintenance operations.
Section 1 - General Liability - Bodily Injury, Property Damage and Advertising Injury.
Section 2 - Professional Indemnity - Breach of Professional Duty.
Section 3 - Management Liability - Directors and Officers, Club or Entity Liability, Employment Practices Liability, Club or Entity Reimbursement.Platinum Liability incorporates covers that are traditionally purchased under three separate contracts. There are significant benefits in insuring a client’s complete liability exposure, be it general, professional or management, under the one contract with the one insurer.
Generally clients understand the importance of a liability policy and player accident cover, however they often overlook the professional risks of running a club, association or business. Platinum Liability has been structured in such a way that Management Liability Coverage is an easy and affordable extension.
- National Drycleaners Insurance
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National Drycleaners Insurance
LTM Risk Partners has the following endorsements:
- Insurance broker to the West Australian Dry Cleaners Association
- Preferred insurance broker to the Victorian Dry Cleaners Association
With many years experience in providing specialist Dry Cleaner insurance, LTM Risk Partners is clearly Australia’s largest endorsed provider of insurances to the Dry Cleaning Industry. As a dry cleaner, you will receive the lowest possible insurance premiums for your business insurance, with even further discounts for being a member of your state association.
Our products include:
- Business insurance for all your commercial risk exposures
- Public Liability including damage to garments in your control
- Goods in Transit covering clothing whilst contained in your delivery vehicles
- Machinery Breakdown covering the mechanical and electrical breakdown of all machinery
- Motor Vehicles featuring low cost premiums for your delivery vans
- Workers Compensation is subject to state legislation
- Payment options are simple and low cost enabling you to spread your insurance premiums over a 12-month period.
WHAT DO I NEED TO DO?
For a quick and easy quotation call Darryl Morris or Belinda Caunt on 1800 640 264 seven days a week or click here to contact us via email. Our guarantee is to significantly reduce your insurance costs improve claims handling and provide an unbeatable insurance contract.
- Medical Professionals Insurance
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Medical Professionals Insurance
LTM Risk Partners has specialised in arranging insurance for over 30 years for clients in a vast range of medical professions including general practitioners, specialists, radiologists, dentists, veterinarians, etc.
With our experience in this field, we have been able to negotiate excellent products and policy wordings for our clients. Our reputation in service, including claims delivery has been paramount in the longevity of our relationships with many of Perth’s leading medical professionals and practices.
Call Rod Tancred on 0411 724 891 to discuss your insurance requirements in this area.
- National Launderers Insurance
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National Launderers Insurance
LTM Risk Partners has the following endorsements:
- Insurance Broker to the South Australian Textile, Rental-Linen Association
- Insurance Broker to the West Australian Textile, Rental-Linen Association
As a Commercial Launderer you will receive the lowest possible insurance premiums for your business insurance, with even further discounts for being a member of your state association.
Our products include:
- Business Insurance for all your commercial risk exposures
- Public Liability
- Goods in Transit covering linen whilst contained in your delivery vehicles
- Machinery Breakdown covering the mechanical and electrical breakdown of all machinery
- Motor Vehicle featuring low cost premiums for your delivery vehicle
- Workers Compensation is subject to state legislation
Payment options are simple and low cost enabling you to spread your insurance premiums over a 12-month period.
WHAT DO I NEED TO DO?
For a quick and easy quotation, call Darryl Morris on 1800 640 264 seven days a week or click here to contact us via email.
Our guarantee is to significantly reduce your insurance costs, improve claims handling and provide an unbeatable insurance contract.
Claims
"We Deliver"
Part of your selection criteria in choosing an insurer should be based on their ability to “Deliver”. Here at LTM,
in many cases we are able to lodge claims with no claim form completion.
If the need arises to make a claim, contact our Claims Coordinator on 1800 640 264 or email dianne.williams@ltmrisk.com.au and you will be provided with guidance and assistance in your claim ensuring a smooth and timely process. Should an emergency occur on the weekend and you require a more immediate response, we have provided the emergency contact for our underwriting partners.
We have also provided our standard claim form, these can be used to lodge a claim in most cases and may be useful to collate the information that will be required when you lodge your claims with our Claims Coordinator.
Financial Services
"Planning today for a secure tomorrow"
LTM Financial Services is an initiative of the LTM Group. The creation of our financial services arm came about through our ongoing commitment to service our client’s total insurance needs.
Life Risk Products such as Life Insurance, Income Protection Insurance, Estate Planning and Wills are just a few of the new services we can assist you with.
Our team will provide the high level of professional service that you would expect from a firm of our caliber. We can advise you on how to best prepare for those situations where you require the security of knowing you are providing for your loved ones by ensuring your financial and physical health is fully covered.
For further information about LTM Financial Services, please telephone 1800 640 264 or click here.
LTM Financial Services Products and Services include:
- Personal Insurance (General)
- Life Insurance
- Total and Permanent Disability
- Critical Illness Insurance
- Superannuation
- Insurance within Self-managed Super Fund
- Business Expense Insurance
- Asset Protection Insurance
- Revenue Protection Insurance
- Ownership Protection Insurance
- Income Protection Insurance
Online Services
LTM Online Services include:
News
LTM Directors visit Lloyds of London
"Recently, LTM Directors visited Lloyds in London to meet some key players regarding some exciting opportunities for the company".
To view the full article click hereBusiness Franchisor
Recently, National Franchise Insurance Brokers (NFIB), our new online provider of insurance services for franchisors, franchisees and franchise businesses was promoted in Business Franchisor
To view the full article click hereCharities
LTM Charity Committee
The LTM Charity Committee is dedicated to sponsoring local, national and international charities by making donations and holding fundraisers throughout 2012. Each month a charity group is selected to receive a cash donation and an invitation......
read more
How to Contact Us
Freecall: 1800 640 264
Phone: (08) 9201 3400
Fax: 9201 3444
Email: info@ltmrisk.com.au
Address:
Suite 5 and 6
156 Oxford Street
Leederville
Western Australia 6007
Mail:
PO Box 495
Leederville
Western Australia 6903
FAQ
Why do I need a broker?
Insurance brokers fill the role of providing professional advice relating to your insurance needs. Gaining proper insurance advice from a qualified insurance broker can save you time and money when negotiating the array of insurance options available today - whether you are a sole trader, small business owner or a corporate client.
A major advantage of using a broker is that the broker gives you access to a large range of insurance options from which the particular policy which suits your needs can be recommended. A qualified broker can advise on the costs and exclusions of the policies you are considering and provide impartial advice, an explanation of the policy you have chosen, as well as arranging the cover for you.
By using a broker, it is often possible to take advantage of cost savings which may have been negotiated directly with the insurance company with the broker. All commissions and fees payable to the broker will be discussed up-front so there are no surprises when your policy statement becomes due.
All of our brokers maintain the industry's highest professional and ethical standards. With regular training and professional development, our staff are kept up to date with the latest industry trends and developments, so you can be assured of a high quality broking experience with LTM.
What are the Statutory Charges that appear on my Invoice?
Statutory charges are compulsory "Government Charges" or taxes that are added to insurance premiums and collected by the Treasury.
The Insurer and Broker receive none of the funds collected. These charges include the following and other than GST, vary from State to State:
- Fire Service Levy (FSL)
- Goods & Services Tax (GST)
- Stamp Duty (SD)
- Supplementary Levy
How can I pay my account?
Our payment options are noted on the back of you invoice they include:
- Bpay
- Deft online or over the phone
- Cheque made payable to LTM Risk Partners
- Port Billpay
- EFT
Will I need to complete a claim form?
Some motor vehicle and property claims can be lodged over the phone and will not require a claim form.
To find out if a claim form is required, please contact our claims team. If required they can then forward a form to you by e-mail, fax or post.
How are insurance brokers licensed and what controls are there?
Insurance brokers are licensed by the Australian Securities and Investments Corporation (ASIC). LTM holds a Financial Services Licence as is required by law.
LTM’s Financial Services Licence Number is 245374.
What insurance policies do I need?
This depends on the type of business you are in. New insurance policies are being developed constantly as the world and the risks you face change. As an example, even 20 years ago how many businesses would have considered having insurance for loss of profits due to computer crime? LTM’s brokers undergo regular training and remain abreast of all developments within the industry, so they are well placed to regularly review your risk areas and advise accordingly.
If my circumstances change do I need to review my insurance?
Absolutely, A change of circumstances may mean the insurance you have in place is no longer current. It may be that your circumstances change in a way that means your risk is reduced and you're paying too much, or that your risk is increased and you're exposed to uninsured losses. Either way, advising your broker of your changes will allow them to review your insurances and ensure your policies remain relevant. It's advisable to review your insurance regularly - at the very least annually - because changes may have taken place that alter your risk profile, and the policies available to cover your risks may also have changed.
Should I simply look for the cheapest policy?
Insurance policies can be very complex, and the cheapest policy will not always meet all of your needs. Sometimes what is left out of a policy is as important as what is included, and the cheapest option may omit a risk that you cannot afford to carry yourself. Interpreting the terms of the policy is part of your LTM broker's role and you should listen to their advice as you would a professional. Although the policy cost will always be a factor, ensuring you have the right cover in place when it comes the time to make a claim is vital, and our top priority.
What is a Financial Services Guide (FSG)?
A Financial Services Guide (FSG) must be given to a potential client by a licensee (or an Authorised Representative) as soon as practicable. It sets out information in regards to how we do business such as:
- Documenting the standard basis on which we act for the client.
- Providing all statutory notices and other information required by law (e.g. how we get paid).
- Explaining how we will handle a client’s business.
LTM's Financial Services Guide is readily available by contacting one of our offices or by clicking the FSG link at the bottom right hand side of the page.
Testimonials
"The test of the quality of your insurance is what happens when you need to make a claim. When our business was hit hard in the recent flooding, I was so glad that we had a good broker on our side.
Darryl acted with urgency, advised us on how to optimize our claim, and took care of the paperwork. He made it easy for us to get back on our feet and trading again."
Veronica Kypros
Director – Sole Sisters Thai MassageSt Kilda, Victoria
"We are in our third year with LTM Risk and could not be happier, we are still others to their services, despite the tyranny of distance the service and communication have been 1st class. Even though luckily, our claims have been minimal the attention to detail has been great.
As an added bonus Darryl and his team has enabled us to make savings on our premiums we have had to pay."
Howard Duffy
Bells Dry Cleaning and Foxys Fast Fotos"I was very satisfied with my recent dealings with LTM Partners. Both Darryl and Belinda were able to answer my questions and were responsive to my needs. I felt confident with their demeanour plus at the end of the day they were able to achieve a significant reduction on our premium."
Carlo Colosimo
Director"I operate five shops along with my wife; we employ twenty staff and have been in the dry cleaning business for nearly thirty years. We have used Darryl and LTM Risk Management for more than fifteen years. We find their company and their staff brilliant to deal with. We have a set of affordable tailor-made policies that suit dry cleaning type businesses.
LTM follow through your claims and organise quick settlement. Both my wife and I would like to thank Darryl Morris from LTM Risk Management for taking the time to get insurers to come up with a great set of policies suited to our style of business and for getting our premiums down over the years. I believe that LTM Risk Management is the largest insurer for dry cleaners throughout Australia."
Haydn and Sue Raitt
Farrington Dry CleanersWestern Australia
"In our dealings with LTM/CGU we have found them to be extremely professional and very helpful when handling claims. We were unfortunate enough to lose our business to fire and they have made the claims process smooth and hassle free during this difficult time. I would not hesitate to recommend them to other businesses and look forward to a continued relationship with them."
Matthew Parkinson
Maitland Dry Cleaners"Just a quick note to say thank you for all the time and effort you and your staff have done for myself and my family. I have dealt with insurance companies in the past through my work while working in the automobile industry, things do not always go the way you think they should, but in dealing with your company it made everything was made nice and straight forward.
I would recommend your company to others through business and also on a personal basis and have already done so on both business and personal levels.
Thank you again for being there when you were needed and again for making the process so straight forward."
Mark Harpham
Hire A HubbySandy Bay
"As a result of asking LTM Risk Partners to review our insurance policy, we were able to save more than 40% on our last premium. Darryl was able to advise us on a few shortcomings in our cover, and we now have a far superior policy at a much lower cost than the original.
I recommend everyone should speak to Darryl to ensure that the cover they have is adequate, and that they are paying a fair price."
Paul Del Din
Director - Big MouthSt Kilda, Victoria
"As a result of asking LTM Risk Partners to review our insurance policy, we were able to save more than 40% on our last premium. Darryl was able to advise us on a few shortcomings in our cover, and we now have a far superior policy at a much lower cost than the original.
I recommend everyone should speak to Darryl to ensure that the cover they have is adequate, and that they are paying a fair price."