Insurance Logic Pty Ltd trading as Logical Financial Management ("LFM") is an Australian owned Insurance Brokerage which was established in 1988 by James Cotis. Prior to establishing LFM, James had been in a number of General Insurance executive positions since entering the industry in 1978. James currently holds a Diploma in Financial Services (Insurance Broking), Diploma of Law, is a Senior Associated ANZIIF and is a Qualified Practicing Insurance Broker. James and the LFM team have over 30 years of extensive experience which helps ensure that our clients do not suffer should an insurable disaster strike. In fact, over the years, LFM has saved many businesses, their management and proprietors from financial ruin because they have been protected by a well constructed insurance program. LFM is committed to building strong and long term relationships, based on offering the highest quality advice and service, as attested by the fact that many of our clients have been with us for nearly 20 years.

By selecting LFM as your insurance broker, and with your agreement, we will undertake to:

• act in your best interests;
• take the time to fully understand your business (risk assessment profiling);
• fully analyse your exposure to risk (risk identification);
• provide advice that is appropriate for your needs with respect to risk transfer (insurance), risk retention (self-insurance) and risk control (risk management);
• design a suitable and mutually agreed insurance program, tailored to your specific needs and risk exposures;
• place relevant covers with nominated insurers on your behalf;
• promptly administer your insurance program with personal service;
• regularly review coverage so that the insurance program keeps pace with the changes in your business growth;
• assist you in making claims.

LFM is also a shareholder of Steadfast Group Limited, an unlisted public company. Steadfast is Australia's largest autonomous insurance broker cluster group which operates from over 378 offices throughout Australia and generates in excess of $2.5 billion in annual premium turnover.
Steadfast has achieved a rate of growth well above the market average, year by year, since inception in 1996.

The additional advantages of dealing with us as a Steadfast broker are:

• you will get the personalised service you look for from a highly professional business, together with the expertise and support you would expect from a large organisation;
• our extensive network allows us to keep up-to-date with current trends and new insurance markets;
• "Best in class" Steadfast policy wordings, which have been negotiated with participating underwriters, offering greater breath of cover than policy wordings generally available.

LFM welcomes industry initiatives for the development of the Insurance Brokers Code of Practice. The Code is independently monitored and administered by Insurance Brokers Disputes Ltd, which operates a national complaints handling scheme approved by ASIC.

Give us a try, and you'll soon discover why our catchcry is "Your peace of mind is our priority".