Public and Products Liability

Two covers (often packaged together), that are essential to any business. Provides cover to you and your business against the financial risk of being found liable to a third party for death/injury, or property loss/damage, resulting from your negligence, and in connection with your business.
Public liability is your protection against any claim lodged by a third party and covers expenses, costs and damages awarded to the third party.
Products liability covers your liability for any product that you manufacture, sell, supply or
distribute that results in injury, death or damage.

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Professional Indemnity Insurance (PI)

A legal claim against your business can incur significant costs, and long-term reputational
damage to your brand. Professional Indemnity Insurance covers you for costs incurred as a result
of investigations, legal defence and settlements against your business arising from claims made
by a third party of professional negligence, and/or errors or omissions. This insurance is essential for businesses that provide professional advice.

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Business Interruption Insurance

If your business operations are interrupted, it could put significant financial strain on your
business. Business Interruption Insurance covers the loss of business income due to interruption
and is vital to ensure your business is able to continue to meet its ongoing costs and generate
income despite having its operations interrupted. 

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Management Liability

Company directors invariably make a wide range of decisions that can render them personally liable to claims by all sorts of governing bodies such as ASIC, the ATO, Worksafe, Trade Practices Act and the like.
Management Liability Insurance covers your business/entity and its Directors & Officers for
action taken against them in relation to the responsibility of managing the business and
complying with all relevant legislation. It also covers exposures such as theft by employees,
fines and penalties from governing bodies and OH&S legislation. Without Management Liability Insurance, Directors & Officers may be personally liable and financially exposed.

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Marine Insurance

Marine Insurance has two components:

  • Insurance of watercraft: covers your watercraft as an asset.
  • Goods in transit: If you transport goods from warehouse to warehouse, within Australia or as imports/exports internationally, this covers your goods while they are in transit via road, rail, air or sea.
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Kate Liptrottransport
Machinery Breakdown

Machinery Breakdown Insurance protects your business against the costs of repairs to broken
machinery, and can be the difference in getting your business back up and running when it
counts. More crucially, machinery breakdown insurance can also cover you against any
financial losses to your business caused by that breakdown. Something that should be considered essential for any business that relies heavily on manufacturing, machinery or equipment.
Also included is the electrical breakdown of insured equipment or computers and can extend
to economic loss as a result of the insured asset.

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Cyber and Privacy Protection

Cyber and Privacy Protection Insurance covers costs associated with unauthorised use or
access to intellectual property and proprietary information including personal data, corporate
data, outsourcing liability, security liability and potential network interruption. Costs incurred
may include investigations, communications, hardware/software replacement.

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Corporate Travel Insurance

Corporate Travel Insurance provides cover for employees of the insured company while travelling
for business and covers baggage, medical, expenses, money and other contingencies normally
associated with travel insurance. This cover can be extended to include personal trips for employees and their families, which can become a valuable component of your employee benefits program. 

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Tax Audit Insurance

Tax Audit Insurance covers your business for costs incurred as the result of a tax audit. This can
include professional fees charged by an accountant, including the costs of obtaining expert legal advice.
Audits can draw out over the years and generate considerable accounting costs, even if there
are no fines or arrears to pay. Small to medium enterprises are regularly audited these days.

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Product Recall Insurance

Product Recall Insurance covers the costs associated with recalling a product from the
market due to a defect, a malicious product tamper and/or product extortion. It can also extend to cover business interruption and costs associated with crisis management and public relations consultants to guide the insured through the first critical weeks of a recall.
Additional extensions include accidental contamination causing bodily injury or
property damage.

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Key Person Insurance

Key Person Insurance protects the business from the loss of key people. It is similar to Life Insurance, with the main difference being the ownership structure and purpose of the policy. Life Insurance is owned by the individual with benefits paid to the insureds’ nominated beneficiary, whereas Key Person Insurance is owned by the business with all benefits paid to the business in the event of a claim. 

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Kate Liptrotall
Construction/Contract Works Insurance

Contract works/construction policies cover both material damage and public liability which means it will cover perils such as fire, storm and malicious damage along with the liability risk of bodily injury or property damage while contract works are being undertaken.
If you are in the commercial construction or domestic building industry, or are involved in any
sizeable site projects greater than a single day, you should consider Contract Works Insurance to
protect your works while under construction.

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