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 Woollahra

LTM is a prominent company in the provision of quality suggestions on insurance and risk management in Woollahra.

Insurance brokers fill the function of offering expert suggestions associating with your insurance needs.

Gaining proper insurance suggestions from a certified insurance broker can conserve you time and money when working out the array of insurance options readily available today – whether you are a sole trader, small business owner or a corporate client.

We deal with a substantial series of clients with varying insurance and risk profiles. We match those profiles with our team members to ensure that we offer each client with a team that not only understands the client’s insurance and risk exposures but likewise has a high level understanding of, and experience in, the insurance market pertinent to the specific client.

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 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 function of supplying expert suggestions associating with your insurance needs.Gaining proper insurance suggestions from a certified insurance broker can conserve you time and money when working out the array of insurance options readily available today – whether you are a sole trader, small business owner or a corporate client.

A significant advantage of using a broker is that the broker provides you access to a big series of insurance options from which the particular policy which fits your needs can be suggested. A competent broker can recommend on the expenses and exclusions of the policies you are considering and offer impartial guidance, a description of the policy you have selected, as well as arranging the cover for you.

By using a broker, it is often possible to make the most of cost savings which might have been worked out directly with the insurance provider with the broker. All commissions and costs 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 expert and ethical standards. With routine training and expert advancement, our staff are maintained to date with the latest industry patterns and developments, so you can be assured of a high quality broking experience with LTM.

As qualified insurance brokers and risk supervisors, LTM  can provide for your total insurance needs and can source the best insurance item for you either nationally or worldwide. Whether your needs are small, medium or big, in a corporate or commercial environment, we have the capability to customize the ideal staff member with the abilities to help you fulfill your objectives.

We provide a host of services and items consisting of;
In addition to the conventional insurances, LTM  has an expert team dealing with the following items:
• Expert Indemnity
• Public & Products Liability
• Employees Compensation
• Sports Insurance
• Eisteddfod Liability
• Dance Liability
• Agreement Work

How to find Cheap Insurance Plans in Woollahra

insurance plansInsurance is a kind of agreement where regular payments (likewise known as insurance premiums) are made to an insurance provider, in order to offer a private or business payment in case of home loss or damage.

The main function of insurance is to safeguard yourself or your family against the financial impact of a tragedy. In basic, it is agreement in which one celebration agrees to spend for another celebration’s financial loss resulting from a specified occasion. Insurance mainly consist of three 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’ celebration when risk is presumed by an ‘insurance provider’, the insuring celebration, by means of an agreement, specified as an insurance ‘policy’.

There are two main methods to buy insurance. The very first one is directly through a representative and the 2nd one is to do it yourself. The main advantage of purchasing insurance from other is that an honest and qualified insurance provider will decide according to the situation and make tips. The advantage of going on your own is that less cash is required for it. While purchasing any type of insurance, an individual will conserve cash by paying yearly or semi-annually. Often purchasing a number of types of insurance from the exact same company will conserve cash.

There are different types of insurance readily available in the market. Life insurance is a kind of insurance that pays monetary profits upon the death of the insured covered in the policy. There are main two types of life insurance that are term insurance and permanent insurance.

The medical insurance plan is a non-life insurance plan, which covers the expenditures sustained by a private in case of an injury or hospitalization. Individuals have to pay a minimal premium for purchasing medical insurance. Its main types are indemnity strategy, preferred service provider company and health care company.

House owner insurance plan covers home and contents. There are two kinds of Homeowners Insurance coverage and these policies can be divided into two classifications named-Peril Insurance and all-risk insurance. You must also take out insurance on your valuable possessions when you move home in Woollahra. For more details:

budget movers Woollahra

Automobile insurance is the insurance against loss due to theft or traffic mishaps. It can be purchased for automobiles, trucks and other lorries. Its primary usage is to offer defense against losses sustained as a result of automobile. Its main types are basic liability, no-fault insurance, uninsured car protection and medical payments.

Cars and truck insurance is the insurance against loss due to theft or traffic mishaps. Its main types are completely comprehensive car insurance, third party insurance, fire and theft insurance, third party insurance, specialized automobile insurance.

Term life insurance offers defense for a specific time period. It pays a benefit only if you die during the term. Term life insurance comes in two basic ranges term life policies and cash worth policies.

There are numerous insurance providers that develops and markets insurance services for people, families, groups and businesses worldwide. Now, there are likewise online insurance facilities that help an individual to choose insurance just by clicking. After fulfilling the basic requirements of the insurance provider, individual is qualified for it.

Choosing An Insurance Company

” To guarantee is to assure”, states the catch line of a popular advertisement of an insurance provider. Insurance enables people to recuperate their losses in case of an unfortunate mishap or loss. By obtaining an insurance plan, you can safeguard yourself from any kind of risk to your life, home, health, or products. Typically, there are a number of types of insurance; some of the most typical ones being life insurance, medical insurance, car insurance, home insurance, and travel insurance. While medical insurance looks after your financial needs during a health problem or injury, automobile insurance looks after the loss or damages to your vehicle, depending upon the type of automobile insurance selected. Nevertheless, it can be an overwhelming job for many people to pick an appropriate insurance provider from the myriad companies in the market. Therefore, it is a good idea to pick an insurance provider based upon certain specifications to get the most from your insurance plan.

Compare Insurance Rates

Rates have always been an essential choosing aspect while picking an insurance provider. You can acquire online quotes of various companies that provide policies supplying the exact same type of protection. This will assist in easy contrast and help you to get a clearer picture of the present insurance situation.

Company Credibility

You might encounter insurance companies that provide the exact same type of protection you need, but at an unbelievably low price. In such a case, it is a good idea to examine the reliability of the company and inquire why their rates are so low. You can examine the track record of a particular insurance company through the Better Business Bureau. It could be possible that the company specifically sells only that type of insurance and is specialized in that particular kind of protection. Another reason could be that the company is relatively new in the insurance market. New companies normally provide lower insurance premiums simply to sculpt their niche in the insurance market.

Representatives and Insurance brokers

If you are new to the insurance market, it might help to acquire the services of an experienced insurance broker. Insurance brokers have extensive understanding of altering patterns in the insurance industry and can guide you to pick a suitable insurance plan. Many reputed companies sell their policies through their own network of insurance representatives. These representatives evaluate your insurance requirements and accordingly guide you to an appropriate strategy.

Complete Disclosure of any pre-existing conditions

Before acquiring any type of insurance, it is necessary for clients to reveal all pertinent information to the insurance provider. If you are purchasing a health insurance, for instance, it is vital to mention any pre-existing medical conditions in your application. In any case, the underwriter, who processes the applications, will certainly look into your history and discover any such conditions.

You are the best judge

It is necessary that you examine the chances of going with any particular insurance provider or protection. After assessing all your insurance requirements and the terms appropriate for the necessary protection, you can pick an insurance provider accordingly. Likewise, make certain that the company you pick offers you the flexibility of increasing your protection options as per your altering needs. Double-check that you have acquired appropriate information about deductibles, add-ons and tax benefits, as each company differs in the benefits and functions provided. It is necessary to check out and comprehend the small print before completing on an option. A number of other elements to consider when picking protection are: customer care and rate increases. Assure for yourself a future devoid of the insecurities of life by not only insuring your life and home, but by likewise guaranteeing that you get the ideal kind of insurance plan.

We also provide Risk Management services in: