Get professional insurance advice Now

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

Insurance and Risk Management Solutions You Can Trust in Rushcutters Bay

LTM is a prominent company in the provision of quality advice on insurance and risk management in Rushcutters Bay.

Insurance brokers fill the role of offering expert advice relating to your insurance needs.

Gaining correct insurance advice from a certified insurance broker can conserve you time and money when negotiating the variety of insurance alternatives readily available today – whether you are a sole trader, small company owner or a business customer.

We handle a substantial range of clients with varying insurance and risk profiles. We match those profiles with our employee to guarantee that we supply each customer with a team that not just comprehends the customer’s insurance and risk direct exposures but likewise has a high level understanding of, and experience in, the insurance market appropriate to the individual customer.

LTM  operates in a team environment to guarantee that more than one team member recognizes with the requirements of your business. The group of highly qualified and experienced workers readily available to help with your insurance matters is detailed in our profile.

Advantages of using an insurance broker

Insurance brokers fill the role of supplying expert advice relating to your insurance needs.Gaining correct insurance advice from a certified insurance broker can conserve you time and money when negotiating the variety of insurance alternatives readily available today – whether you are a sole trader, small company owner or a business customer.

A major benefit of using a broker is that the broker provides you access to a big range of insurance alternatives from which the specific policy which matches your needs can be advised. A qualified broker can advise on the costs and exemptions of the policies you are thinking about and offer unbiased guidance, a description of the policy you have chosen, along with organizing the cover for you.

By using a broker, it is typically possible to benefit from expense savings which may have been negotiated directly with the insurer with the broker. All commissions and charges 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 greatest expert and ethical standards. With routine training and expert development, our personnel are maintained to date with the latest industry patterns and advancements, so you can be guaranteed of a high quality broking experience with LTM.

As qualified insurance brokers and risk supervisors, LTM  can attend to your overall insurance needs and can source the perfect insurance product for you either nationally or worldwide. Whether your needs are little, medium or big, in a business or commercial environment, we have the capability to tailor the ideal team member with the skills to help you fulfill your goals.

We provide a host of services and items including;
In addition to the conventional insurances, LTM  has a professional group attending to the following items:
• Professional Indemnity
• Public & Products Liability
• Workers Settlement
• Sports Insurance
• Eisteddfod Liability
• Dance Liability
• Contract Work

How to find Inexpensive Insurance Plans in Rushcutters Bay

insurance plansInsurance is a type of contract whereby regular payments (likewise known as insurance premiums) are made to an insurance company, in order to supply an individual or business settlement in the event of property loss or damage.

The primary purpose of insurance is to safeguard yourself or your family versus the monetary effect of a tragedy. In general, it is contract in which one party agrees to pay for another party’s monetary loss resulting from a specified event. Insurance generally include 3 things – insurance provider, guaranteed and policy. An entity seeking to transfer risk (an individual, corporation, or association of any type) ends up being the ‘insured’ party once risk is assumed by an ‘insurance provider’, the insuring party, by means of an agreement, defined as an insurance ‘policy’.

There are 2 primary methods to buy insurance. The very first one is directly through an agent and the second one is to do it yourself. The primary benefit of purchasing insurance from other is that a truthful and proficient insurance provider will decide according to the scenario and make ideas. The benefit of going on your own is that less loan is needed for it. While purchasing any type of insurance, a person will conserve loan by paying each year or semi-annually. Sometimes purchasing numerous types of insurance from the same company will conserve loan.

There are various types of insurance readily available in the market. Life insurance is a type of insurance that pays monetary proceeds upon the death of the insured covered in the policy. There are primary 2 types of life insurance that are term insurance and irreversible insurance.

The medical insurance plan is a non-life insurance plan, which covers the costs incurred by an individual in case of an injury or hospitalization. Individuals have to pay a minimal premium for purchasing medical insurance. Its primary types are indemnity strategy, chosen provider organization and health care organization.

House owner insurance plan covers property and contents. There are 2 type of Homeowners Insurance coverage and these policies can be divided into 2 classifications named-Peril Insurance and all-risk insurance. You should also take out insurance on your home contents when you move home in Rushcutters Bay. For more details:

house removals Rushcutters Bay

Vehicle insurance is the insurance versus loss due to theft or traffic accidents. It can be bought for vehicles, trucks and other lorries. Its primary use is to supply security versus losses incurred as an outcome of vehicle. Its primary types are general liability, no-fault insurance, uninsured auto coverage and medical payments.

Car insurance is the insurance versus loss due to theft or traffic accidents. Its primary types are totally extensive auto insurance, 3rd party insurance, fire and theft insurance, 3rd party insurance, specialized vehicle insurance.

Term life insurance supplies security for a specific period of time. It pays a benefit just if you die throughout the term. Term life insurance is available in 2 basic ranges term life policies and cash value policies.

There are many insurance providers that creates and markets insurance services for individuals, households, groups and businesses worldwide. Now, there are likewise online insurance centers that help a person to select insurance just by clicking. After satisfying the basic requirements of the insurer, individual is qualified for it.

Selecting An Insurance Company

” To insure is to assure”, states the catch line of a popular ad of an insurance company. Insurance allows individuals to recover their losses in case of an unfortunate mishap or loss. By obtaining an insurance coverage, you can safeguard yourself from any kind of risk to your life, property, health, or commodities. Typically, there are numerous types of insurance; a few of the most typical ones being life insurance, health insurance, auto insurance, property insurance, and travel insurance. While health insurance looks after your monetary needs throughout an illness or injury, vehicle insurance looks after the loss or damages to your vehicle, depending on the type of vehicle insurance picked. Nevertheless, it can be a complicated task for most people to select a suitable insurer from the myriad business in the market. Therefore, it is recommended to select an insurance company based upon particular criteria to get the most from your insurance plan.

Compare Insurance Rates

Rates have constantly been an essential choosing factor while picking an insurance company. You can acquire online quotes of various business that provide policies supplying the same type of coverage. This will assist in easy contrast and help you to get a clearer picture of the present insurance circumstance.

Company Credibility

You may discover insurance provider that provide the same type of coverage you need, but at an amazingly low rate. In such a case, it is recommended to examine the reliability of the company and inquire why their rates are so low. You can look at the track record of a particular insurance company through the Better Business Bureau. It could be possible that the company exclusively offers just that type of insurance and is concentrated on that specific kind of coverage. Another reason could be that the company is reasonably new in the insurance market. New business normally provide lower insurance premiums simply to sculpt their niche in the insurance market.

Agents and Insurance brokers

If you are new to the insurance market, it may help to acquire the services of a knowledgeable insurance broker. Insurance brokers have thorough knowledge of changing patterns in the insurance industry and can assist you to select a suitable insurance plan. Numerous reputed business sell their policies through their own network of insurance agents. These agents analyze your insurance requirements and appropriately guide you to a suitable strategy.

Complete Disclosure of any pre-existing conditions

Before purchasing any type of insurance, it is essential for consumers to divulge all appropriate information to the insurer. If you are purchasing a medical insurance, for example, it is important to discuss any pre-existing medical conditions in your application. In any case, the underwriter, who processes the applications, will definitely look into your history and find out about any such conditions.

You are the very best judge

It is essential that you evaluate the odds of choosing any specific insurer or coverage. After evaluating all your insurance requirements and the terms applicable for the necessary coverage, you can select an insurance company appropriately. Also, make certain that the company you select deals you the flexibility of increasing your coverage alternatives as per your changing needs. Double-check that you have gotten adequate info about deductibles, add-ons and tax benefits, as each company differs in the benefits and functions offered. It is essential to check out and understand the small print before finalizing on a choice. A couple of other elements to think about when selecting coverage are: customer support and rate boosts. Assure on your own a future free from the insecurities of life by not just insuring your life and property, but by likewise guaranteeing that you get the ideal sort of insurance plan.

We also provide Risk Management services in: