|
We
offer
a
range
of
services
to
assist
you
to
protect
your
assets
and
your
legal
liabilities.
These
include:
- Reviewing
and
advising
on
your
insurance
needs
- Arranging
and
reviewing
insurance
contacts
on
your
behalf
- Arranging
premium
funding,
if
required
- Assisting
with
insurance
claims
We
can
advise
about
and
arrange
general
insurance
products
on
your
behalf
for
corporate,
commercial
and
small
business
programs,
tailored
to
your
needs.
To
enable
us
to
provide
advice
that
is
appropriate
to
your
circumstances,
we
will
need
you
to
provide
us
with
complete
information
about
the
risk(s)
to
be
insured,
your
situation
and
your
needs
and
objectives.
You
should
also
let
us
know
about
any
relevant
changes
as
they
occur.
The
following
list
is
intended
to
provide
a
brief
outline
of
the
major
risks
that
can
be
insured.
As
you
can
see
it
is
extensive.
The
descriptions
of
each
risk
are
not
intended
to
be
fully
detailed
descriptions
of
policies,
but
a
brief
summary
of
the
type
of
covers
available.
If
the
risk
applies
to
you
we
will
discuss
it
with
you
when
we
meet.
Inclusion
of
a
particular
policy
type
on
this
list
does
not
guarantee
that
such
cover
is
readily
available,
nor
is
the
list
intended
to
reflect
all
exposures
or
risks.
MATERIAL
DAMAGE:
CLASS
OF
RISK |
DESCRIPTION |
AVIATION |
Loss
or
damage
to
aircraft
hulls
and
liability
to
third
parties,
including
passenger
liability,
arising
from
the
operation
of
aircraft. |
BURGLARY/
THEFT |
Loss
or
damage
to
insured
property
as
a
result
of
burglary
or
theft. |
CARAVAN |
Loss
or
damage
to
caravans
and
legal
liability
to
third
parties. |
CONTRACT
WORKS |
Loss
or
damage
to
your
buildings
or
equipment
during
construction,
installation,
demolition
or
modification.
Also
can
cover
legal
liabilities
for
injury
to
any
person
and/or
damage
to
any
property
of
third
parties
arising
out
of
the
construction/maintenance
operations. |
CROP |
Loss
or
damage
to
crops
from
an
insured
risk/peril. |
ELECTRICAL
EQUIPMENT |
Loss
or
damage
to
electronic
and
electrical
equipment
arising
from
breakdown. |
FARM
PAK |
Covers
a
range
of
rural
and
domestic
insurances
such
as
home
and
contents,
farm
property,
legal
liability,
tractors
and
so
on. |
FIDELITY
GUARANTEE |
Loss
as
a
result
of
fraud
or
dishonesty
committed
by
one
or
more
employees. |
FINE
ARTS
RISK |
Covers
loss
or
damage
to
fine
art
and
curios
whilst
on
display,
exhibition
or
in
transit. |
FIRE
&
PERILS
|
Loss
or
damage
to
insured
property
as
a
result
of
fire
and/or
extraneous
perils. |
FLOOD |
Loss
or
damage
to
property
caused
by
the
inundation
of
normally
dry
land
by
water
overflowing
from
the
normal
confines
of
any
natural
watercourse
or
lake,
whether
or
not
altered
or
modified,
or
of
any
reservoir,
canal
or
dam. |
GENERAL
PROPERTY |
Loss
or
damage
to
mobile
property
from
causes
not
otherwise
excluded. |
GLASS |
Accidental
damage
to
internal
and/or
external
glass,
mirrors,
tiles
and
signs. |
HOUSEHOLDERS |
Loss
or
damage
to
domestic
buildings
and
contents
and
personal
liability. |
INDUSTRIAL
SPECIAL
RISKS |
Physical
loss
or
damage
to
assets
from
causes
not
otherwise
excluded. |
LANDLORDS |
Loss
or
damage
to
buildings
and
contents.
Also
can
cover
loss
of
rent,
rent
default
and
theft
by
tenants. |
LIVESTOCK |
Loss
or
injury
to
livestock. |
MACHINERY
BREAKDOWN |
Loss
or
damage
to
electrical
or
mechanical
equipment
caused
by
breakdown. |
MARINE
HULL |
Loss
or
damage
to
commercial
vessels. |
MARINE
PLEASURECRAFT |
Loss
or
damage
to
pleasure
craft. |
MARINE
CARGO |
Loss
or
damage
to
goods
in
transit. |
MONEY |
Loss
of
money
and
negotiable
instruments. |
MOTOR
VEHICLE |
Loss
or
damage
to
motor
vehicles
and
legal
liability
to
third
parties. |
PRESSURE
VESSEL/BOILER
EXPLOSION |
Loss
or
damage
due
to
explosion
or
collapse
of
boilers
and/or
pressure
vessels
requiring
a
certificate
of
registration. |
SPOILAGE
OF
STOCK |
Deterioration
of
stock
resulting
from
the
breakdown
of
refrigeration
equipment. |
STRATA |
Loss
or
damage
to
property
and
liability
in
connection
with
the
ownership
and
condition
of
the
property. |
CONSEQUENTIAL
LOSS:
| CLASS
OF
RISK |
DESCRIPTION |
CONSEQUENTIAL
LOSS |
Loss
due
to
the
interruption
of
the
business
as
a
result
of
loss,
damage
or
destruction
caused
by
an
insured
peril/risk. |
ADVANCED
CONSEQUENTIAL
LOSS |
Loss
of
or
reduction
in
your
income
resulting
from
damage
to
property
during
construction,
installation
or
modification. |
COMPUTER
CONSEQUENTIAL
LOSS |
Loss
due
to
the
interruption
of
the
business
as
a
result
of
loss,
damage
or
destruction
caused
by
an
insured
peril/risk. |
CONFISCATION/EXPROPRIATION |
Loss
arising
from
the
confiscation
or
expropriation
of
property. |
ELECTRICAL
EQUIPMENT |
Loss
of
gross
profit
and
increased
cost
of
working
following
a
breakdown
of
electrical
and
electronic
equipment. |
MACHINERY
BREAKDOWN
CONSEQUENTIAL
LOSS |
Loss
of
gross
profit
and
increased
cost
of
working
following
machinery
breakdown. |
LEGAL
LIABILITY:
| CLASS
OF
RISK |
DESCRIPTION |
AVIATION
LIABILITY |
Your
legal
liability
to
third
parties
which
arises
out
of
the
ownership,
maintenance
or
operation
of
registered
aircraft
landing
areas. |
CARRIERS
LIABILITY |
Your
legal
liability
for
claims
arising
out
of
loss
or
damage
to
property
carried
for
third
parties. |
CHARTERERS
LIABILITY |
Your
legal
liability
to
third
parties
arising
out
of
the
signing
of
a
charter
party
agreement. |
CONSTRUCTION
LIABILITY |
Your
legal
liability
to
third
parties
arising
from
the
construction,
alteration,
installation
or
demolition
of
property. |
CONTAINER
LIABILITY |
Contractual
liability
for
loss
of
or
damage
to
hired
or
leased
containers,
and
additional
costs
incurred. |
CONTRACT
BONDS |
Security
payable
to
third
parties
in
the
event
of
breach
of
contract. |
CONTRACT
PENALTIES/
LIQUIDATED
DAMAGES |
Your
legal
liability
to
third
parties
for
breach
of
contract
and/or
liquidated
damages. |
DEFAMATION |
Your
legal
liability
to
third
parties
for
defamatory
statements
and
actions.
Limited
defamation
cover
arising
from
advertising
injury
is
included
under
an
Umbrella
Liability
policy. |
DIRECTORS
&
OFFICERS
LIABILITY
AND
COMPANY
REIMBURSEMENT |
Your
legal
liability,
as
a
director
and/or
officer
of
a
corporation,
to
third
parties
for
alleged
breach
of
duty
arising
out
of
a
claim
for
which
you
are
not
indemnified
by
the
corporation.
It
may
also
reimburse
the
company
for
payments
it
is
legally
entitled
or
obliged
to
make
in
indemnifying
Directors
or
Officers
for
claims
made
against
them
whilst
acting
in
their
capacity
as
Directors
or
Officers.
The
claim
must
be
first
made
against
you
and
notified
to
the
insurer
during
the
period
of
cover. |
DIRECTORS
&
OFFICERS
SUPPLEMENTARY
LEGAL
EXPENSES |
Provides
legal
expenses
cover
for
exposures
traditionally
excluded
by
stand
alone
Directors
&
Officers
policies. |
DOMESTIC
WORKERS
COMPENSATION |
Costs
associated
with
compensating
a
person
who
might
be
injured
whilst
doing
paid
domestic
duties. |
EMPLOYMENT
PRACTICES
LIABILITY |
Your
legal
liability
to
employees
for
loss
or
damage
arising
out
of
your
responsibilities
as
an
employer
(excluding
Workers
Compensation). |
ENVIRONMENTAL
IMPAIRMENT
LIABILITY |
Your
legal
liability
to
third
parties
for
claims
arising
from
gradual
damage
to
the
environment. |
LEGAL
DEFENCE
COSTS |
Covers
expenses
in
either
pursuing
or
defending
an
action
arising
from
disputes
with
customers
or
suppliers
for
the
sale,
purchase,
hire
or
supply
of
goods
or
services
or
in
defending
employment
contract
actions
brought
against
clients
by
employees
or
defending
any
criminal
prosecution
made
against
the
company,
its
Directors
or
employees. |
LIBEL
&
SLANDER |
Indemnifies
the
insured
against
claims
for
libel
and
slander
by
any
person
provided
that
such
claims
arise
out
of
the
occupation
and
conduct
of
the
insured. |
MALICIOUS
PRODUCT
TAMPER |
Covers
the
cost
and
loss
of
net
profit
where
products
are
withdrawn
or
destroyed
due
to
active
or
alleged
contamination
or
malicious
tamper
so
as
to
render
the
product
unfit
or
dangerous
for
use. |
MARINE
LIABILITY |
Your
legal
liability
to
third
parties
for
personal
injury
or
property
damage
arising
from
the
operation
of
vessels,
carrier’s
activities,
ship
repair
and
general
marine
activities. |
MEDICAL
MALPRACTICE |
Your
legal
liability
to
third
parties
for
personal
injury
arising
from
medical
malpractice. |
MOTOR
–
CTP
(GREENSLIP) |
Personal
injury
arising
from
registered
vehicles. |
PRODUCT
GUARANTEE |
Your
legal
liability
to
third
parties
for
loss
arising
from
any
claim
first
received
by
you
and
notified
to
the
insurer
during
the
period
of
insurance,
alleging
the
failure
of
your
products
to
perform
as
guaranteed. |
PRODUCT
RECALL |
Your
legal
liability
for
all
costs,
expenses
and
damages
for
withdrawal
or
recall
of
goods
or
products
because
of
any
known
or
suspected
defect
or
deficiency
therein. |
PROFESSIONAL
INDEMNITY/
ERRORS
&
OMISSIONS |
Your
legal
liability
to
third
parties
for
personal
injury,
property
damage
and
financial
loss
arising
from
a
claim
first
received
by
you
and
notified
to
the
insurer
during
the
period
of
insurance,
alleging
breach
of
professional
duty
by
any
negligent
act,
error
or
omission. |
PUBLIC
&
PRODUCTS
LIABILITY |
Your
legal
liability
to
third
parties
for
personal
injury
or
property
damage
caused
by
an
occurrence
during
the
period
of
insurance
and
arising
out
of
your
business
and/or
products. |
STATUTORY
LIABILITY |
Your
legal
liability
to
statutory
authorities
for
penalties
arising
from
any
claim
first
received
by
you
and
notified
to
the
insurer
during
the
period
of
insurance,
whereby
you
contravene
an
Act
or
are
involved
in
the
contravention
of
an
Act;
or
you
commit
an
offence
pursuant
to
an
Act;
or
such
conduct
is
prohibited
under
an
Act
or
is
the
subject
of
the
imposition
of
a
penalty
under
an
Act. |
SUPERANNUATION
TRUSTEES
LIABILITY |
Errors
or
omission
of
trustees
of
superannuation
funds. |
UMBRELLA
LIABILITY |
Your
legal
liability
to
third
parties
for
personal
injury,
property
damage
and
advertising
liability
in
excess
of
the
amount
recoverable
from
underlying
policies
or
where
there
are
no
underlying
policies,
in
excess
of
the
self-insured
retention. |
WORKERS
COMPENSATION |
Your
legal
liability
to
employees
for
work
related
injury,
at
the
normal
state
or
territory
of
residence
of
the
employee
and/or
the
location
of
the
injury
(New
South
Wales,
Western
Australia,
Tasmania,
Northern
Territory,
Australian
Capital
Territory,
Victoria,
Queensland,
South
Australia) |
WORKCOVER
TOP-UP |
Supplementary
payments
to
employees
injured
whilst
in
your
employment,
in
addition
to
their
statutory
entitlement
under
NSW
WorkCover
legislation. |
WORKERS
COMPENSATION
EXTRA
TERRITORIAL |
Workers
compensation
gap
between
the
States. |
SPECIAL
CONTINGENCIES:
| CLASS
OF
RISK> |
DESCRIPTION |
ACCOUNTS
RECEIVABLE |
Covers
loss
due
to
inability
of
the
insured
to
collect
amounts
owing
from
customers
as
the
direct
result
of
loss
or
damage
by
an
insured
peril
to
records
of
accounts
receivable
that
are
contained
in
the
premises. |
CANCELLATION
&
ABANDONMENT |
Loss
arising
from
the
cancellation
or
abandonment
of
a
scheduled
event. |
AUDIT
&
INVESTIGATION |
Professional
fees
incurred
in
responding
to
an
audit
or
investigation
arising
from
any
return
lodged
by
your
business,
your
accountant
or
by
individuals
with
any
statutory
authority. |
COMPUTER
CRIME |
Loss
sustained
by
the
insured
as
the
result
of
fraud,
perpetrated
by
anyone
other
than
the
insured’s
employees,
through
the
insured’s
computer
or
electronic
communications
systems.
|
CONTRACT
BONDING/
CONTRACT
GUARANTEES |
Financial
loss
arising
from
the
failure
of
parties
to
a
contract
to
fulfil
their
contractual
obligations. |
CORPORATE
TRAVEL |
Baggage,
overseas
medical
expenses,
money,
personal
accident
and
loss
of
deposits
for
insured
persons
whilst
travelling
on
the
business
of
the
Insured.
|
CREDIT |
Losses
due
to
insolvency
of
the
insured
or
customers
with
whom
the
insured
deals. |
CUSTOMS
&
PAYMENT
BONDS |
Liability
under
the
Customs
and/or
Excise
Act
as
amended. |
EXPORT
CREDIT/
POLITICAL
RISKS |
Loss
arising
from
failure
to
secure
payment
for
goods
or
services
provided
to
overseas
customers. |
EXTORTION |
Expenses
arising
from
an
extortion
bid. |
FORGED
SHARE
TRANSFER |
Loss
as
a
result
of
the
fraudulent
issue
of
share
documents
arising
out
of
the
operation
of
a
Share
Register. |
INTELLECTUAL
PROPERTY |
Legal
expenses
incurred
to
defend
patent,
trademark,
copyright
and
so
on. |
KIDNAP
&
RANSOM |
Costs
and
expenses
that
result
from
the
payment
of
any
ransom
in
connection
with
kidnapping
or
bodily
injury
to
any
staff
member. |
LIQUIDATED
DAMAGES |
Covers
penalties
under
contract
for
delay
in
completion
of
a
contract
on
schedule. |
LOSS
OF
HIRE/
STANDBY
CHARGES |
Covers
loss
of
anticipated
freight
charges
or
income
as
a
result
of
a
vessel
being
out
of
service. |
MORTGAGE
&
LEASE
GUARANTEE |
Covers
financial
loss
as
a
result
of
default
of
the
borrower. |
OPERATORS
EXTRA
EXPENSE |
Expenses
incurred
in
bringing
under
control
an
oil/gas
well.
Can
include
costs
such
pollution
clean
up
costs
and
re-drilling
expenses. |
PERSONAL
ACCIDENT
GROUP |
Covers
a
nominated
group
of
individuals
for
a
specified
benefit
against
loss
of
limbs
and
disablement.
The
benefits
are
payable
to
the
company
or
association
purchasing
the
cover. |
PERSONAL
ACCIDENT
VOLUNTARY
WORKERS |
Covers
a
nominated
group
of
individuals
for
a
specified
benefit
against
loss
of
limbs
and
disablement.
The
benefits
are
payable
to
the
company
or
association
purchasing
the
cover. |
PLUVIUS |
Loss
arising
from
unanticipated
rainfall,
which
may
reduce
earnings
from
an
event
being
staged. |
TAX
PROBE |
Professional
fees
reasonably
and
necessarily
incurred
in
connection
with
a
tax
audit. |
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