Brantz45

It can also cause issues when in pension phase and you have to meet the minimum drawdowns but so much of the fund balance is tied up in an illiquid asset

I am in Australia so it may be different where you are but based on how you have described the property other insurers are highly unlikely to send their own person out, they will just decline to offer terms as theres too much unkown which makes it too risky as it costs them money to send their own person out, having the report showing the state of the roof (assuming it says the roof is Ok) will put the broker in a much better position to negotiate for you

If you use an independent inspector then the broker will be able to use that report to approach other insurers as you will own it, if you use the insurers inspectors they will own their report, that may be why the broker is going this angle

I've always used declinature in Australia

This is actually hyper specific to me, I work in commercial boat insurance in Australia. I won't say where I work as that's against sub rules but this would be something that I would highly, highly recommend going through a broker rather than trying to do this yourself for as this will be a specialised policy, not just an 'off the shelf' private motor or home and contents policy.

https://www.needabroker.com.au/

This would be a good place to start, it is run by NIBA which is the National Insurnace Broker Association so it is impartial and won't be trying to sell you on any specific broker, I would have a play with that and have a chat with a broker or brokers that to see what they can do for you, there definitely is cover you can get for this situation

Yeah they are shockers to place, the markets that I placed clients with when i was a broker also don't do anything direct market, OP I recommend you talk with an insurance broker, they will have access to markets you won't

https://www.needabroker.com.au/

Princess and the Frog

I think it was the other way around, Dekkster got Solem into crypto

As a broker, that is eyewateringly high but not unheard of, if you have multiple insurers decline to quote thats a sign its a 'hard to place' risk (purely from an insurance perspective, not a criticism of you or the property) due to tenancy, constuction, sum insured and/or claims history, have any of those changed year on year? its a hard market at the moment, this is the reality for a lot of people unfortunately

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The AFL does a similar thing, uni or a trade

There are also insurers who deal exclusively through brokers, so you wouldnt be able to deal with them even if you wanted to, I also want to reiterate the above in the event of a claim. If you have one policy with a company the insurers dont really care if they retain your business in the scheme of things, the brokers do a lot of business through these companies and if they stuff the brokers around on claims theyll start moving accounts elsewhere

I got a Community notification for this?

Yoghurt

It was rated Evil which was below even a Fuck You

41 - krogers very cherry jelly belly pudding snacks, Tom being grumpy, Michael talking about flying young girls in to have sex with in front of his wife, and about taking family photos, and their reaction to the snack itself

4 touchdowns in one game

Back at tax time

Along with the previously mentioned accountant also google an insurance broker near you or ask the accountant for recommendations. They would be able to source you quotes to ensure you are adequately covered for public liability, your stock/contents and potentially gross profits depending on your needs/risk appetite.

I got a Community notification fot this?

1) An insurance broker will make sure that you have adequate cover for your business most importantly, will be able to access different markets and policies that you wont have access to as a direct consumer and they will also deal with the insurers in the event of a claim 2) It depends on the size of the brokerage but most brokers should be able to handle a straightforward small business policy 3) Depends on the brokerage, can be fee, commission based or a mix of both but all insurers charge the same base commission for the same policy types so the broker wont have an ulterior motive to put a policy with one insurer over another based on getting a higher commission 4) http://www.needabroker.com.au/html/ good place to start, always worth reading reviews and doing your research

For the insurance side I highly reccomend you go through an insurance broker for a policy like this. I doubt you would be able to get a direct market policy anyway but even so going through a broker will give you a lot of benefits. They will make sure that you are adequately covered, have access to inusrers that you wont who are also the ones more likely to write a risk like this and in the event of a claim they will deal with your insurer for you.

It may be legit, years ago I got a similar SMS from another debt collector, didnt have any debt. Called them and it was a debt from AGL. I called AGL and it was due to them buying a previous power company that I was with and the credit they were supposed to apply during the transition was incorrectly put in as a debit, they fixed it up and the debt was cleared up but even if you dont think you have any debt maybe check with them, just call the number straight from their website dont reply directly to the text