Our Community

We believe in being an active member in our community and leading a proactive, healthy lifestyle. As a result we actively support sporting clubs, educational facilities, life saving programs and youth charities.

Above all, we seek to align ourselves with respected organisations and groups that do their part to strengthen our community and contribute to the wellbeing of its members.

Some of the organisations and groups we have sponsored in the past include:

  • Brighton Beach Junior Football Club (BBJFC)
  • Dunbar Rovers Football Club
  • Old Xavs
  • City 2 Surf
  • The Reach Foundation
  • Doxa Youth
  • Portsea Surf Life Saving Club
  • Ride to Conquer Cancer
  • WBN Charitable Foundation

 

Honan Asia receives approval for NGA acquisition, key focus is ensuring a smooth transition for clients.

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Media Release 

Honan Asia receives approval for NGA acquisition, key focus is ensuring a smooth transition for clients.

Thursday 18 January 2018

Honan Insurance Group has received approval from the Monetary Authority Singapore (MAS) to proceed with it’s acquisition of the NGA Benefits, a leading employee benefits business based in Singapore.

Over the next two months, NGA’s 28 staff will join the Honan team at Raffles Place. The team now has a broad skill set across Employee Benefits, Flexible Benefits, Claims System and Solutions and General Insurance Solutions.

The transition to consolidate business operations has commenced, and is expected to complete over the next two months.

The key focus for Honan over this period is to ensure a seamless experience for clients.

Damien Honan, CEO of Honan Insurance Group, said: “We are committed to ensuring our clients receive the same level of excellent service they are accustomed to. Our teams in Australia and Singapore are mobilising resources and working hard behind the scenes to ensure minimal disruption throughout the transition.”

The NGA acquisition is part of Honan’s continuing investment in South East Asia, which forms part of its growth strategy for the next 3 years.

-end-

About Honan Insurance Group

Honan Insurance Group is an Australian owned and operated insurance broking company established in 1964. Over the past 50 years Honan has built a reputation for integrity, honesty, and professionalism, and is today recognised as one of the industry leaders in the Asia-Pacific region. Honan currently employs more than 180 staff and has offices in Melbourne, Sydney, Brisbane, Perth, New Zealand and Singapore. For more information you can visit www.honan.com.au

Media Contact

Sharan Uppal, Head of Marketing & Communications sharanu@honan.com.au +61 3 9947 4385 +61 419 736 155

Honan Insurance Group & MBS Insurance partner in JV to improve life insurance solutions for clients

Honan Life

Joint Media Release

Honan Insurance Group & MBS Insurance partner in JV to improve life insurance solutions for clients

Tuesday December 5 2017 Australian-owned insurance and financial services broker Honan Insurance Group CEO Damien Honan and leading risk specialist practice MBS Insurance partner Drew Burden have announced they have joined forces to create a new company Honan Life Insurance Group. Launched yesterday, the new life insurance venture is an important step in Honan’s 53 year history of leveraging a broad network of specialists to bring relevant expertise to its clients. Commenting further, Damien Honan said since the inception of the company over five decades ago, the group has operated to ensure clients are provided the very best insurance and financial solutions to address their needs. “The alliance with MBS Insurance under the Honan Life Insurance Group gives us the ability to enhance our marketplace and client offering with a more inclusive integrated insurance service”, added Damien Honan. Drew Burden said, “As a leading life insurance specialist, we are excited to be joining Honan Insurance Group under this new brand. Collectively we bring together the best of our respective organisations to create a new way to engage with clients and support them to protect their financial futures”. Headquartered in Sydney, MBS Insurance was started in 2006. Over the years the practice has grown steadily through adherence to the highest standards of best practice and through its business infrastructure provides a comprehensive risk offering to clients. Today, MBS Insurance is a highly regarded rapidly growing national risk specialist. The JV with Honan Insurance Group is both an important milestone and acknowledgement of the organisation’s standing in the financial advisory sector. Australia is one of the most highly developed and fastest growing economies in the world underpinned by a financial services sector with an overwhelming volume of offerings and complexities between standalone insurance products and offerings inside superannuation funds. “Through specialisation MBS Insurance has been very successful in this environment over a long time and the JV with Honan Insurance Group positions our brand as an industry leader with distinctive strengths”, Drew Burden said. Honan Insurance Group has over 180 employees with offices in Melbourne, Sydney, Brisbane, Perth, New Zealand, Singapore and the US.  Evolving into a global organisation was achieved in November 2001 when the group became a member of the Worldwide Broker Network (WBN), the world’s largest network of independent property and casualty brokers and employee benefits consultants, giving Honan the capability to provide a truly integrated global service. Over the years Honan’s partnership with the WBN has strengthened, with Honan solidifying their position as the Risk Partner of Choice in Australia and New Zealand, eventually encompassing the entire Asia Pacific region. Damien Honan concluded, “Honan Life Insurance Group is on an exciting growth journey and this new alliance will provide a valuable point of difference for us as an organisation and increase the value we provide to our clients.” Issued jointly by Honan Insurance Group    www.honan.com.au & MBS Insurance                   www.mbsinsurance.com.au   Media Enquiries: Mr. Joe Perri Joe Perri & Associates Pty Ltd Telephone / fax:    +61 3 9324 0362 Mobile:                  +61 412 112 545 Email:                    jperri@joeperri.com.au

Are you prepared for the changes to icare and the new claims model?

Workplace Risk

From January 1, the new icare Claims Management model came into effect.

As part of the developments to icare, the new claims model was introduced at the start of 2018 in NSW. The new model has moved away from the traditional claims approach. The main changes involve the way new claims will be lodged in 2018. All new claims will be lodged with Employers Mutual (EML), with existing claims transitioning to GIO or remain with Allianz. We’ve summarised the main changes for you, click here for more information. For more information, contact your Honan broker on 1800 981 377 or workplacerisk@honan.com.au.

Victoria Workers Compensation Update 2018-19

workerscomp

In this annual update, we provide an overview of the following topics.

  • Workers Compensation Renewal Notice
  • Premium Discounts and Premium Funding
  • Claims experience period 2018/19
  • Certificate of Currency
  • Remuneration details
  • How remuneration impacts premium
  • Have you reviewed your industry classification?
  • Key dates

Workers Compensation Renewal invoice

Victorian renewal premium invoices will be available from 12 July 2018.

Premium projections and industry classification comparisons are now available from Honan Workplace Risk Consultants based on your available claims statements and estimated wages. Please contact your Honan Workplace Risk Consultant if you would like further information.

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Premium Discounts and Premium Funding

To be eligible for 5% discount on your premium, please pay the full amount (the annual payment due as listed on your invoice) by 6 August 2018. Employers must also:

  • Pay any outstanding balance from 2017/18 (or previous years); and
  • Pay your full 2018/19 premium (less the 5% discount) by 6 August 2018.

Honan Tip!

You may also wish to consider a premium funding arrangement with Honan. The arrangement can involve financing the full payment as a lump sum, typically over a series of 6 - 10 instalments, to save upfront. Please contact your Honan broker if you would like to explore this option.

Claims experience period 2018/19

WorkSafe Victoria has confirmed that the claims experience period for the 2018/19 premium year will be maintained at 2.5 years.

This will mean that your claims experience for the period 1 January 2015 to 30 June 2017 will be used to calculate 2018/19 year's renewal. This continues the pattern of recent policy years.

The maximum cost of any individual claim that will be included in your premium calculation is $390,600. (This amount is indexed each year and is an increase from last year’s calculation of $376,100.)

A limit of 30% is placed on premium rate increases per year to protect your business from premium rate fluctuations due to prior claims you may have incurred.

Certificate of Currency

If there is no outstanding premium to pay on your account, you can obtain a Certificate of Currency from 5 June either online or by requesting this from Honan Workplace Risk Consultants.

Are your remuneration details up to date?

Any wage updates received before 30 June will be reflected in your 2018/19 premium calculation. Otherwise, WorkSafe calculates your premium based on your remuneration estimate for 2017-18, indexed by 4.75%.

Our recommendation

To avoid any potential financial penalty, you will need to provide your Claims Agent a revised remuneration estimate within 28 days, if, at any time, you become aware that:

  • What you expect to pay in remuneration is 20% or above your current estimate, or
  • What you have paid in remuneration to date is greater than your current estimate for the whole financial year.

To update your remuneration or any other policy details, please visit WorkSafe’s Online Employer Services portal or seek advice from your Honan Workplace Risk Consultant.

You must certify your Rateable Remuneration by 30 October 2018 for 2017-18 (if your rateable remuneration for 2016–2017 was more than $200,000).

How remuneration impacts premium

Victorian remuneration includes wages, salaries, superannuation and other benefits you pay to your workers.

The below highlights how premiums are calculated based on remuneration.

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Have you reviewed your industry classification?

Premiums are largely influenced by the industry classification of your business. If the industry classification is incorrect on your policy, you may be paying considerably more for premium than you should be.

Our recommendation

Review your industry classification before your renewal date. Contact your Honan Workplace Risk Consultant for any further information.

Key dates summary and parameters

The key dates summary and parameters for VIC workers compensation insurance premiums in the 2018/19 Premiums Order are listed as below.

  • 5 June 2018 - Certificate of Currency available
  • 12 July 2018 - Victorian premium renewal invoices available
  • 7 August 2018 - Premium due for 5% discount
  • 1 January 2015 to 30 June 2016 - Claims Reporting Period
  • 1 July 2014 to 30 June 2016 - Remuneration Experience Period
  • Minimum premium – $202 ($222.20 including GST)
  • Maximum claims cost for an individual claim – $390,600
  • Maximum legal costs for an individual claim – $73,100
  • Maximum recovery – for an individual claim allocated to an employers' performance calculation - $390,600.
We’ll be in touch for any further developments. In the meantime, if you have any further queries, contact your Honan Workplace Risk Consultant for further information.

Our Experts

Kieran Drum

Head of Risk Consulting

kierand@honan.com.au

+61 488 688 656

Jules Paolino

Workplace Risk Consultant

julesr@honan.com.au

+61 499 799 464

Sharon Rutherford

Workplace Risk Consultant

sharonr@honan.com.au

+61 499 799 558

Tim Clifford

Workplace Risk Consultant

timc@honan.com.au

+61 499 799 456

Honan Insurance Group Pty Ltd (“Honan”) ABN 67 005 372 396, AFSL 246749. Honan is not the underwriter for any insurance product that you may decide upon and insurance is issued subject to the terms, conditions and exclusions as set by the particular underwriter.
Please note this information provided is for general advice only and does not factor in the objectives, needs or financial situation of the client. It is important for you to consider these matters and read the Product Disclosure Statement (PDS) and policy before deciding if this product is right for you. You can get a copy of the PDS on our website www.honan.com.au or by calling 03 9947 4333.

We welcome the appointment and updates across our Honan leadership: Travis Wendt & Kieran Drum.

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We are pleased to announce the appointment of Travis Wendt as the Head of Broking & Carrier Management and Kieran Drum as National Head of Strata. Travis will take charge of managing the group’s property and casualty placements, as well as its cluster and broader insurance supplier relationships. Travis will also work together with Henry Clark, Head of Financial and Professional Risks, on strategic carrier initiatives. Travis’ previous positions include Marsh and Aon, working on complex placements across numerous sectors specialising in energy markets before his move to Honan. Kieran, having joined Honan in 2015, steps up from his former role as Head of Risk Consulting to support Honan’s commitment to providing resources and expertise to the growth and increasing sophistication of strata and property market in Australia. As our Managing Director, Andrew Fluitsma states, “We are heavily involved in the strata and property sectors. Through Honan’s expertise and insight, we are able to leverage marketplace insight/data, strong relationships with insurers and industry bodies to provide best-in-class solutions and expert advice”. Kieran’s previous experience includes Aon, Wills Towers Watson and Suncorp Group. Travis and Kieran will be based in Melbourne.

Andrew Fluitsma features on Sky News to present on the importance of brokers.

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Andrew Fluitsma features on Sky News to present on the importance of brokers. As a Strata Manager it can be hard to keep up to date with every policy change.  Our role as your broker is to help navigate these changes. Earlier this week, our Managing Director Andrew Fluitsma featured on Sky News – Smart Investing and spoke on the value of a broker, especially for Strata. “With the Grenfell Tower and the Lacrosse building in Melbourne, it’s important to detail the way the risk is represented; the exclusions, the understanding of the market cycle, pricing, access to insurance companies, management of claims [and] legally qualified assistance–a lot of this is intermediated through a broker. It is important they select the right broker and see the value of the broker.” Andrew also discusses the importance of having Landlords Insurance and how it's distinguished from Home & Contents cover. Click below to view the segments.

Our new brand and updates to the Honan Senior Executive Team

Honan
Last week, we launched our refreshed brand. Our new logo brings to life the importance we place on relationships, on delivering bespoke solutions, on constantly challenging and being courageous both for our clients, and ourselves. Whilst we look different–your service or relationship with us won’t change. Honan has also made some changes at the senior executive level. Andrew Fluitsma has been appointed Chief Executive Officer of Australia and New Zealand and Brad Tymmons as Chief Executive Officer of Asia. Damien Honan's role has moved to Group Chief Executive Officer. Both Andrew and Brad have been instrumental in our growth journey and we are excited about the potential they bring to the business. Click to read more in the Insurance News article.

Farewell to FOS. Welcome, AFCA!

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What you need to know:
  • From 1 November 2018, you will need to contact Australian Financial Complaints Authority (AFCA) to resolve any disputes about financial products and services provided by financial firms
  • Prior to lodging your complaint with AFCA/Financial Ombudsman Service (FOS), please contact us immediately as we will attempt to resolve your complaint as soon as possible
Preparations are currently underway for the FOS to transition into AFCA. AFCA will begin accepting financial services complaints from 1 November 2018. More details on AFCA can be accessed on their website. “Consumers and small businesses across Australia will benefit from the establishment of AFCA”, said Kelly O’Dwyer, Minister for Revenue and Financial Services. “For the first time ever, consumers will be able to go to one place to resolve any kind of financial complaint, and the new AFCA scheme will operate under significantly higher monetary limits and compensation caps to boot”. What should I do if I have a complaint? Contact us with details about your complaint and we will do our best to resolve it quickly. If your complaint is not satisfactorily resolved, we will refer the matter to our Complaints Manager to investigate as a matter of priority. Alternatively, you can put your complaint in writing and mail it to our Melbourne or Sydney postal addresses noted below.
Melbourne PO Box 4747 Melbourne VIC 3001 Sydney PO Box R1782Royal Exchange NSW 2002
  If your complaint cannot be further resolved to your satisfaction, you have the right to refer the matter to:
  • If lodged before 1 November 2018 Financial Ombudsman Service Australia Online: www.fos.org.au Email: info@fos.org.au Phone: 1800 367 287 Mail: Financial Ombudsman Service Limited, GPO Box 3, Melbourne VIC 3001, or
  • If lodged on or after 1 November 2018 Australian Financial Complaints Authority Online: www.afca.org.au Email: info@afca.org.au Phone: 1800 931 678 Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
Need help? If you would like more information about AFCA and these changes, please feel free to contact us on 03 9947 4333.

Growth of our Sydney Strata division

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At Honan, we’re passionate about creating a genuine difference for our clients, so we’re proud to welcome three new talented members to our Sydney Strata team. Clem Lwin is one of the most respected brokers in Strata in Sydney and joins us with an overwhelming reputation for customer service and relationship management. Clem's experience in insurance spans across almost two decades. Clem steps into the National Client Manager role. Paul Monsalve joins us as Client Executive and will be responsible for managing a number of client relationships within the portfolio. Paul’s existing client feedback across his ten years experience is a testament to his work ethic, commitment and dedication in placing clients first. Nicole Fairlamb joins the team as Service Executive, with 5 years of prior Strata broking experience. Nicole brings with her a wealth of experience in supporting clients and providing technical support to brokers through day-to-day operations. Nicole is known for her customer service and delivery and will be an excellent asset to our Sydney team. Finally, we welcome back Shelley Thompson, who has returned from maternity leave! We look forward to supporting the momentum behind the team as we continue to see our Strata team grow from strength to strength.

Honan hosts the inaugural WBN Asia-Pacific Regional Conference in Singapore

Honan hosts WBN Asia-Pacific Regional Conference
SINGAPORE Honan were honoured to have hosted the launch of the WBN Asia-Pacific Regional Conference in Singapore on Sunday 10 February 2019. This year marks the inaugural launch of the annual conference, aimed to bring global partners of the network together to strategise on synergies of service. This year’s theme was Navigating the Network, where the delegates explored trends, turning points and topics across the insurance and broker markets within the region. On behalf of WBN, we’d like to thank our sponsors.
  • AIG
  • Zurich
  • Lloyd’s of London (Asia)
  • Beazley Group
  • Aviva
  • AXA
  • CHUBB
  • Liberty International Underwriters
We look forward to the next conference! Photo from left to right: Tony McHarg from AIG, Francie Starnes from WBN and Damien Honan.

Tougher penalties for Privacy Act breaches

Are you protected? It has now been over a year since the amendments to the Privacy Act were introduced, requiring companies to voluntarily notify any breaches to the Office of the Australian Information Commissioner (OAIC). In a swift follow-up from this at the end of March, Attorney-General, The Hon Christian Porter MP, announced the government’s intention to introduce even tougher penalties, as follows:
  • Penalties increased from $2.1m to $10m for serious or repeated breaches.
  • Providing the OAIC with the infringement notice powers, up to $63,000 for body corporates and $12,600 for individuals who fail to cooperate.
  • Introduce requirements for breaches to be addressed by third party audits, to ensure those directly affected are advised.
  • Require social media and online platforms to stop using or disclosing an individual’s personal information upon request.
  • Introductions of specific rules to protect the personal information of children and other vulnerable groups.
The Privacy Act amendments have forced Company Directors to become more digitally literate and cyber aware, however with the ever-changing nature of cyber risks, it is becoming increasingly difficult for Directors to keep up. Protection With these changes it is now more important than ever that every company manage their cyber risk through a robust insurance program, designed to protect not only your company’s balance sheet from significant first and third-party losses and fines, but also from the reputational damage that can be caused. To manage your company’s Cyber Risk, contact Dan McCallum at dan.mccallum@honan.com.au or +61 499 799 131.
Sources: https://www.attorneygeneral.gov.au/Media/Pages/Tougher-penalties-to-keep-australians-safe-online-19.aspx
Honan Insurance Group Pty Ltd (Honan) holds an Australian Financial Services License 246749. Honan is not an insurance company, rather an insurance broker acting on behalf of our client. Where we act under a binder (as the insurer’s agent) we will notify you. This article contains general information only and is not advice. Before considering an insurance product you must read the Honan Financial Services Guide and relevant Product Disclosure Statement.   

Changes in legislation needed to fix the NSW construction industry

mascottowers
SYDNEY, AUSTRALIA.
Déjà vu? Once again, another Sydney apartment block has been evacuated due to observed structural cracking in the building’s underground car park. Mascot Towers, a 131-unit complex at No. 1 Bourke St Mascot was evacuated last Friday evening (14 June) with residents given short notice to vacate their apartments. On Tuesday, there was still no advice on when residents would be able to return to their homes permanently. This follows on from the dramatic Christmas Eve (2018) evacuation of Sydney Olympic Park’s Opal Tower. The cause of the cracking in Mascot Towers is yet to be determined, and alleged possible causes may include neighbouring construction work or the original design and construction 10-years ago. Mascot Towers was constructed over 10-years ago, meaning that any building defects will not be covered by building warranty insurance (referred to as Home Builders Compensation in NSW), leaving the unit owners to pay for the repairs. If the neighbouring construction project is to blame, then a lengthy legal battle may occur regarding various other insurance covers. Currently, NSW law states that future owners of a property are covered for the statutory warranty period–six years for major defects in the work and two years for other losses from the date of completion of work. With many building defects appearing after the six-year statutory warranty period, there is a need for major changes to be made to NSW laws to protect property owners buying off a plan or buying buildings younger than 10-years old that were poorly built. The strata industry and Strata Community Association (SCA) will continue to advocate for change and encourage the government to further regulated the relaxed approach to building completion sign off and hold the construction industry to account for faulty work. In February of last year, the NSW Government[1] told the COAG meeting that it would introduce new legislation to improve consumer protection if they won the next election, these included: –    Builders needing to sign off that building was constructed in accord with certified plans –    Allowing Owners Corporations to litigate for negligence if building code was not carried out This new legislation is still to be introduced, and many people in strata see this legislation as not being tough enough on the construction industry who are accountable for this issue. With research finding that 72-85% [2] of owner’s corporations identifying major defects in their buildings, it is important that strata managers and the SCA continue to do what they can to influence the federal and state governments into reforming legislation as soon as possible. [1] https://aib.org.au/wp-content/uploads/2019/02/NSW-Government-Media-Release-2.pdf [2] https://cityfutures.be.unsw.edu.au/research/projects/defects-strata/

We welcome Eliza White as Director of Operations - Asia

Eliza White
We welcome Eliza White as Director of Operations - Asia to the Honan team. Eliza will be based in regional head office in Singapore. Eliza joins us from Starr International, bringing with her a strong broker background and experience in risk insurance, underwriting (specialising in the energy and risk sectors), management, analytics, and global insurance. Eliza's appointment marks another important step in our strategic aspirations in Asia-Pacific and will help drive our continued growth and momentum.

Rebranded specialty division reflects Honan’s strength in managing professional and executive risks, especially in a challenging market.

Professional & Executive Risks
PRESS RELEASE Honan Insurance Group’s (Honan) Head of Financial & Professional Risks Henry Clark has announced the specialist department has been rebranded to Professional & Executive Risks to better reflect the group’s strength in expertise, market clout and it’s pro-active approach in supporting clients with market related issues and challenges such as Directors and Officers (D&O) insurance. Commenting further on the announcement Henry Clark said the days of just rolling over the D&O insurance renewal is no longer an option as the sector continues to navigate a very challenging and dynamic market. Insurers applied heavy price increases across-the-board in 2018. This continued into 2019 as the number of claims and reported circumstances exceeded the total insurance premium pool by a significant margin. “D&O is an exceptionally complicated insurance market with carriers responding assertively to claims pressure and continuing growth in securities class actions, litigation and the prospects of further action arising in 2019 and beyond”, said Henry Clark. Once regarded as mainly being applicable to large listed entities, litigation costs arising from D&O exposures are now so great that D&O insurance has become a necessity for many businesses–regardless of size. “The primary driver for the current hardening D&O market is the growth in securities class actions led by opportunistic law firms backed by litigation funders and predictions that further claims pressure will arise from the Hayne Royal Commission, privacy regulation, workplace health and safety and now the Royal Commission into Aged Care Quality and Safety”, continued Henry Clark. “As a result, upward pressure on D&O premiums will continue into 2019 and beyond as insurers leave the market resulting in the current pool becoming inadequate to cover increasing and expensive claims”. This is going to be reality for the foreseeable future affirmed Henry Clark. Although a challenging environment, there is still flexibility in the market, but only if the right messages are communicated – and strategies are needed to demonstrate to insurers that the D&O risk is being properly considered and mitigated. “Honan’s Professional & Executive Risks team works proactively with clients by actively engaging in relevant education and alerting them to the changing insurance environment well in advance of cover renewal. The team then guide them to establish the most appropriate strategy to reduce the impact on premium and coverage.” This includes:
  • Providing Directors, the knowledge and tools to personally engage with senior management to set and manage D&O forecasts and expectations.
  • Working with insureds to be proactive and commence the renewal process early, allowing time to address any surprises or consider strategies which may mitigate premium increases.
  • Examining insurer selection, transparency, relationship management and adequately conveying the client’s individual risk profile in underwriter presentations to help mitigate the prevailing market issues and assist the company to stand apart during this market correction.
The Honan Professional and Executive Risks team specialises in insurance for financial institutions, professional service firms and corporate organisations. The team of experts has decades of experience offering specific industry insight and placement experience for traditional and emerging risks. Issued by Honan Insurance Group    www.honan.com.au Media Enquiries:                  Mr. Joe Perri Joe Perri & Associates Pty Ltd  

Honan announces investment in real estate disruptor The Agency Group

We’re excited to announce our strategic partnership with The Agency Group
PRESS RELEASE
Melbourne, Australia.
Honan has invested in $500,000 for a 3% stake in B2B real estate disruptor, The Agency Group Australia. “We’re excited to announce our strategic partnership with The Agency Group. It brings together Honan’s unique approach in building market leading solutions and our significance experience working with the real estate industry,” says Andrew Fluitsma, CEO. Announced on Wednesday 24 July, ASX-listed The Agency will issue 7.7 million shares at $0.065 each to Honan, as well as one attaching option for every 2 shares, subject to shareholder approval on August 28. With 272 staff operating across eight offices in Australia, The Agency disrupts the real estate services industry by returning value, previously given to franchisees and offices, to agents and shareholders. The Agency Group's offerings also include property sale and management services, as well as mortgage financing, financial planning and conveyancing settlement. Andrew states Honan is well positioned to continue assisting organisations through the partnership with innovative, client-focused and cost-effective insurance solutions.