Directors' & Officers' Liability
A Directors' and Officers' policy protects the personal assets of directors and officers of a company by providing cover for a loss arising from a claim as a result of a wrongful act committed in the course of performing their duties.

Professional Indemnity
Provides cover for claims for errors, omissions, inappropriate skill level or advice given by a professional. Some policies cover in the event of a mistake even though there has been no negligence. Defence costs are also covered when the Underwriter agrees to indemnify the insured for any action taken by a third party.

Public/Products Liability
Covers the Insured's legal liability for death, bodily injury and/or property damage caused by the negligence of the Insured whilst providing the nominated services and/or products.

Marine Transit
Provides for the repair or replacement of lost or damaged goods  whilst being transported by road, rail, sea or air.

Boat
Provides cover for loss or damage to the insured item. Also covers claims for death or injury to others as well as damage to third party property.

Machinery - Computer
Covers mechanical breakdown or accident to machinery/computers used in the business. Any monetary loss during the breakdown period can also be covered.

Business
This is a package policy to cover the exposure of small to medium size companies. All or some sections can be selected to tailor the policy to the Insured's requirements. The sections include fire, business interruption, accidental damage, public/products liability, burglary, money, glass, general property to cover goods away from the premises, engineering plant, electronic equipment and employee fraud. Some policies also include tax audit insurance.

Domestic Property
Covers loss or damage to buildings, contents and Insured's liability as owner and/or occupier. The policy can also be extended to cover personal effects anywhere in Australia.

Landlords
Provides cover for damage to buildings, contents, loss of rent and public liability. The policy can be extended to cover rent default by a tenant and workers' compensation.

Strata Plans
This is a package policy covering buildings, common contents and common property, liability, fidelity guarantee, office bearers' liability, personal accident and workers' compensation.

Personal Accident & Illness
Provides a weekly salary in the event of accident or illness. There is usually a maximum of fourteen days waiting period before benefits are payable. There is provision in the policy for a lump sum - 100% of the lump sum is paid on death or permanent disablement and then there is a sliding scale of payments for the loss of limbs, eyes or ears. Cover is for a maximum of 104 weeks in the event of a serious incident.

Contract Works
This insurance is arranged by the contractor and usually covers both the contractor and the property owner. The policy covers any loss or damage to the contract works and any public liability attached. If there is a risk of the works damaging existing property the policy can be extended to cover that exposure. Cover is also available for owner builders.

Trade
This is a package policy which can be tailor made to suit the individual tradesman. The sections of the policy available include fire, business interruption, accidental damage, public/products liability, burglary, money, glass, general property to cover goods away from the premises, engineering plant, electronic equipment and employee fraud. Some policies also include tax audit insurance.

Commercial Motor/Fleet
Cover can be obtained on a comprehensive basis for loss or damage to single vehicles or fleets. Cover for third party property damage only is also available for vehicles of low value.

Management Liability
This cover is designed to protect the individuals and the company in relation to exposures associated with managing a private company or not-for-profit entity. Cover includes the traditional Directors and Officers Liability, Employment Practices Liability, Fidelity Guarantee, Internet Liability, Trustees Liability and Kidnap Ransom and Extortion. Policies may be tailored to suit individual requirements.

Financial Services
Life Insurance, Income Protection and Insurance against Total and Permanent Disability. Our Financial Services team seeks to maximise our clients' wealth though sound financial advice tailored to individual needs and risk comfort.  In addition to building wealth, an essential part of any financial plan uses Risk Management and Insurance to protect against the unexpected.  For further information about Life, Total and Permanent Disability or Income Protection, please  click here or to contact the team with your enquiry click here.