In this insightful episode, Dion Fernandes sits down with Darren Trendler from WeCoverU to tackle a topic most property owners and business operators overlook—insurance strategy. Moving beyond product talk, Darren unpacks the why behind insurance and how to proactively structure coverage for growth, risk, and real-world events. From underinsurance pitfalls to business continuity planning, this conversation is a must-listen for property investors and entrepreneurs who want to bulletproof their portfolios and operations. As storm season looms, they also dive into what really happens when claims go live—and how to avoid the common mistakes that can leave you unprotected.

⏱️ Episode Breakdown

00:00 – Intro & Darren’s Welcome
Dion introduces Darren as the strategic counterpart to George from WeCoverU and sets the tone for a conversation about proactive insurance planning.

02:00 – Product vs. Strategy
A candid chat about why most people view insurance as a grudge purchase—and why that mindset is dangerous.

05:20 – Event Season & Real Risks
Storm season is here. Darren breaks down why claims surge, what triggers them, and how insurers actually respond.

08:45 – Underinsurance: The #1 Gap
From outdated sums insured to skyrocketing rebuild costs, Darren explains why most people are vastly underinsured—and what to do about it.

13:40 – Tools & Valuation Tips
Why an insurance valuation is worth every cent, and how regular reviews can prevent catastrophic shortfalls.

17:10 – Direct vs. Brokered Insurance
Why going direct can cost you in the long run, and how brokers create structure, not just paperwork.

20:00 – Business Insurance Blind Spots
Vehicle changes, new staff, increased turnover—how quickly business insurance becomes outdated without regular reviews.

24:35 – Structuring Insurance for Growth
Just like a finance strategy, insurance should be reviewed as your business scales. Darren shares how WeCoverU keeps clients protected as they expand.

28:20 – Claims: The Moment of Truth
Why proactive documentation, clear communication, and a good broker can turn a nightmare into a manageable process when disaster strikes.

31:00 – Final Tips & Where to Find Darren
Darren shares his top takeaways and explains how listeners can get in touch—no pressure, just education and strategy.

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📩 Get in touch with Dion Fernandes
📱 Instagram: @dionfinancespecialist
🔗 LinkedIn: Dion Fernandes
🌐 Website: www.financethispropertythat.com.au
🔐 Speak to Darren Trendler at WeCoverU
🌐 Website: www.wecoveryou.com.au
🔗 LinkedIn: Darren Trendler
💡 No obligation, no pressure—just smart conversations to help you protect what matters.