Insureds’ inability to collect outstanding debts due to loss of records, resulting from an insured peril or circumstance e.g. fire, theft.

Provides indemnity for loss of anticipated gross profit due to delays on projects such as new premises, major extensions to existing premises or installation of new plant following loss or damage to property caused by an insured peril or circumstance under the Material Damage policy e.g. Fire, Industrial Special Risks, Contract Works or Marine.

Provides indemnity to those who hold positions on Management Committees of organisations which are incorporated under the Association Incorporation Act against negligent acts, errors or omissions.

The type of claim made may include defamation, discrimination and unfair dismissal of an employee, breach of contract, wrongful dismissal of club member, action alleging incorrect payment of poker machine jackpot.

Hull
Physical loss of or damage to the hull of an aircraft and aircraft spare parts and equipment.

Liability
Legal liability to third parties including passengers for accidental bodily injury to and/or property damage arising out of the ownership or operation of an aircraft.

Airport Owners/Hanger Keepers
Legal liability arising out of bodily injury to and/or property damage of third parties arising out of the ownership or operation of an airport, etc.

Cover provided includes loss resulting from:

•  Infidelity of employees
•  Loss of cash, bullion, precious metals, gems, cheques, stock, bonds and negotiable instruments whilst in any premises of the Insured and whilst in transit
•  Forgery;
• Counterfeited currency;
• Damage to offices and contents caused by burglary or hold-up.

This policy provides indemnity following sudden and unforeseen damage to boilers and pressure vessels whilst working or at rest or being dismantled, moved or re-erected for the purpose of cleaning, inspection, repair or installation at another position.  Additional cover can be arranged for damage to surrounding plant and to protect your liability to third parties, incurring injury or property damage as a result of boiler/pressure vessel explosion.

Alternatives to bank guarantees.  Apply to many and varied circumstances, e.g. contract bonding, customs and liquidators.

Cover is provided for loss of income, additional expenses or specified expenses incurred due to occurrences such as adverse weather conditions or non appearance of performers.

Carriers’ legal liability for loss of or damage to customers’ goods and/or merchandise in transit.

This insurance indemnifies the charterer for his contractual liability under a charter party agreement in respect of loss of or damage to the vessel and/or its cargo and/or liabilities to other third parties.

This insurance provides a wider cover for computers and electrical equipment than Fire, Burglary or Industrial Special Risks policies.  Indemnity can be provided for accidental damage and breakdown including business interruption and reinstatement of data resulting from damage to the equipment.

Covers loss resulting from fraud by persons other than the Insured’s employees through the Insured’s computer systems.

Covers overseas investors for financial losses resulting from confiscation, seizure, expropriation, nationalisation, requisition, wilful destruction, non-exportation or deprivation by actions of Governments or Local Authorities of countries in which they have a financial interest.

Provides indemnity for loss of gross profit/income following loss or damage to property caused by an insured peril or circumstance under the material damage policy e.g. Fire, Industrial Special Risks, Boiler/Pressure Vessel Explosion and Engineering Policies.

Provides indemnity for accidental physical loss or damage to buildings and other works during construction, renovation or extension.  Demolition costs, tools and equipment used at the contract site and professional fees can be included.  The policy can include indemnity for liabilities to third parties for personal injury and property damage.

Insures contractor/developer for penalties/liquidated damages agreed under contract for failure to complete the works/project by the required time.  The indemnity offered requires the happening of an intervening event which subsequently causes the delay.  The intervening event can be limited to loss or damage to site works or be extended to include strikes, force majeure, ground conditions, etc.

Insures all nominated personnel travelling on behalf of the Insured organisation.  Cover can be selected for a range of exposures such as personal accident, medical expenses, additional expenses, personal liability, baggage and personal effects, travel documents, money, loss of deposits and kidnap and ransom.

Provides indemnity for financial loss due to insolvency of customers, to whom goods have been sold and delivered or for whom work has been undertaken on normal credit terms.

Covers standing crops for the loss of the estimated yield caused by fire or hail.

Indemnifies the Insured against legal liability to pay damages in respect of claims made and reported during the period of insurance arising from negligent advice, mistake, misprint, erroneous matter or material contained in publications or broadcasts.

Provides cover for individual directors and officers of the company, in respect of claims made and notified to the insurer during the policy period for losses and expenses incurred in defence of claims for any alleged wrongful acts arising out of their official capacities.  Will also reimburse the company for any liability it has to indemnify its directors and officers for such losses.

Indemnifies directors against the costs of defending civil or criminal legal actions brought against them where the insurer believes they have reasonable prospects for success.  As cover is provided for a number of areas not addressed in D&O policies these policies are often used as a supplement and, occasionally as a substitute, for D&O policies.  Principal additional benefits are Pollution, Insured versus Insured, Major Shareholder and Bodily Injury cover.  They do not, however, cover damages.

Two policies are available in the market, one a personal cover for individual directors, the other a policy taken out by the company covering all directors and staff.

Offers protection for part of income in the event of accident or illness on an individual policy basis.  Choice of benefit periods is combined with a range of excess or waiting periods to suit specific needs.  The policies are generally guaranteed renewable which means that irrespective of size and frequency of claims, renewal must be offered

Claims made liability cover for negligent act, error or omission in respect of:

The performance of or failure to perform ”electronic data processing” or ”other  computer services” for others.

The failure of the insured’s ”software products” to perform the function or serve the  purpose intended.

Indemnifies the company and individual employees for damages and legal costs incurred in defending claims by employees with respect to breach of contract of employment and other employment related claims.  This cover is available both as a stand alone policy or as an extension to some Directors and Officers Liability insurance policies.

Covers loss caused by failure of exporter to obtain payment for shipments due either to insolvency of the overseas buyer or political influences.

An insurance cover to protect wholesalers or retailers in circumstances where they provide their customers with a longer or more extensive Product Warranty than that provided by the manufacturer.

Covers the cost of money paid following receipt of a threat to kill or injure insured person or threat to destroy the Insured’s property.  Cover can be extended to include kidnap and ransom.

Insures losses resulting from misappropriation or embezzlement of money or goods by employees.  

Covers loss or damage to property caused by fire.  Additional perils can be included e.g. explosion, storm, tempest, rain water and flood.

Provides indemnity for claims arising from forgery or fabrication in respect of registration, holding, transfer, conversions or transmissions or certificates, stock, bonds, script or similar notes.  This cover is also available as an extension of some professional indemnity policies.

Covers the legal liability to pay compensation in respect of personal injury or property damage caused by an occurrence in connection with the business.

Provides cover for damage to fixed glass for the replacement value.  Cover can be provided for additional items e.g. signwriting ornamentation and frames.

Private health cover is provided under individual or group plans and benefits vary depending on the plan selected.  The benefits provided include hospital, medical gap, ambulance, dental and optical costs.

This class of insurance will be managed by our strategic partners UNAC West End Group Pty Ltd.

Provides cover for buildings and contents of dwellings and specified items of value such as jewellery and works of art against various risks of loss or damage e.g. fire and theft. Indemnity can include owner, occupier and personal liability.

In addition to providing cover for loss from fire and extraneous perils, this policy also provides cover for additional events resulting in physical loss or damage to all real and personal property, e.g. theft, breakage of glass, accidental damage.

Provides indemnity for the payment of legal fees and ancillary expenses for litigation to enforce the insured’s’ claim to rights in relation to infringement of intellectual property rights or to defend claims against the insured alleging infringement of intellectual property owned by an unassociated person or entity.

An insurance cover specifically designed for retail and wholesale jewellers.  The protection is wider than that generally available.

Following the restriction in cover provided by Workers’ Compensation Schemes for employees injured whilst on their way to and from work in some States, this class of insurance was developed to provide cover for journey injuries which have been excluded.  The policy provides protection for nominated persons and selected benefits.

Can best be likened to a Loss of Profits policy with the essential difference being the insurance of a life as opposed to material assets.

The cover is designed for the benefit of the company - to provide an injection of funds when the key individual dies or is totally and permanently disabled.

This class of insurance will be managed by our strategic partners UNAC West End Group Pty Ltd.

Deals with the demands of the kidnapper and covers the cost of ransom money paid for the release of the kidnapped person.  Cover can be extended to include extortion.

Provides cover in the event of death as a consequence of an accident or illness.  This can be achieved by simple Term insurance where risk protection only is provided.  Alternatively, the policy can be a Whole of Life contract incorporating both protection and cash value elements.

This class of insurance will be managed by our strategic partners UNAC West End Group Pty Ltd.

Covers the cost of animals in the event of death from accident, illness or disease occurring and advised during the period of insurance.  Various extensions are available e.g. infertility and unborn foals.

Policies can be arranged to provide cover in various circumstances:

Flight Personnel

Loss of income for flight personnel as a result of accident or sickness

Licensed Premises

Reduction in profit/value of premises following forfeiture of licence.

Indemnity is provided for repair costs following breakdown of plant and machinery.  Cover provided can be extended to include loss of gross profit and deterioration of stock.

This class of insurance covers costs and loss of income where products are withdrawn, destroyed, etc. because products are actually or alleged to be contaminated or maliciously altered so as to render the product unfit or dangerous for use.  Cover can be extended to include kidnap, ransom and extortion.

Hull

Physical loss of or damage to hull, machinery, etc. of a vessel caused by specified perils such as fire, explosion and perils of the sea.

Liability (Protection and Indemnity)

Legal liability arising out of the ownership of a vessel for loss of or damage to third party property and/or loss of life, bodily injury to third parties

Pleasure Craft

Policy covers loss of or damage to the hull and equipment including legal liability arising out of the ownership or operation of pleasure craft.

Marine Cargo

Physical loss of or damage to goods being transported locally or internationally by sea/air/road/rail.

Covers loss of money and/or negotiable securities including loss of the safe or container in which the money and negotiable securities were contained whilst in premises.  This cover can be extended to include transit risks.

Own Damage
Covers loss or damage to the insured vehicle resulting from destruction, theft or accidental damage.

Third Party Property
Provides indemnity for compensation payable to third parties for loss or damage to property resulting from the use of the insured vehicle.

CTP
Compulsory third party personal injury cover is normally required when vehicles are registered.  This policy insures the owner or driver of the vehicle at fault in an accident against claims for personal injury sustained by other parties.

Cover provided is governed by various Australian States’/Territories’ legislation.

Cover is tailored to provide protection against specified losses for the interest insured, e.g. fire, theft and transit for trade samples.

Insures loss of income and selected benefits resulting from death by accident or permanent/ temporary disability caused by an accident or illness.

Policy insures expenses/earnings for events affected by bad weather, e.g. fetes.  Cover is based on rainfall, recorded by the official reader, reaching a selected number of millimetres during a nominated period.

Covers against expropriation of assets by an overseas government and/or loss flowing from frustration of licence or contract.

Indemnifies the Insured for claims made and notified during the policy period in respect of legal liability for personal injury or property damage caused by pollution including legal costs and the costs of removing, rendering harmless or cleaning up any substance which has caused or would cause environmental damage.

Covers cost incurred in connection with a customer claiming under a written warranty or guarantee issued to the customer at the time of sale.

Covers the cost of recalling moveable consumer goods such as tinned foods, motor vehicles, toys etc. which have or may cause third party personal injury or property damage.

Provides indemnity for claims made and notified to the insurer during the period of insurance resulting from breach of professional duty by the Insured or his employees.

Relates to the coverage of a liability which may already have arisen from an incident in the past, but where the intending insured is not aware that such liability exists (or is likely to arise).  Conventional ”r;claims made” policies, such as D&O and Professional Indemnity, are classical examples of insurances which provide Retroactive Liability protection.

Caution:  "Claims made" policies often contain a retrospective date - generally, this is a limitation, not an extension.  The date refers to time prior to which cover will not apply - if there is no retrospective date in the policy, then the policy extends back indefinitely.

Under these combined policies the scope of cover can include the following:

• Domestic buildings, contents, specified items and owner, occupier and personal liability.
• Farm buildings and contents, farm improvements.
• Farm machinery, theft of nominated machinery and specified items.
• Machinery breakdown.
• Stocks of hay.
• Fencing, livestock and loss of agistment income.
• General liability arising out of business activities.

Provides cover for part payment of salary until normal retirement age for employees who are disabled as a consequence of accident or illness which prevents their returning to work.

Covers fines and penalties imposed on directors, officers, employees or the company, which arise from inadvertence.  The policy also covers the cost of defending proceedings, which seek to impose fines and penalties.  All D&O policies exclude cover for these liabilities.

Business Interruption caused by industrial action taken by goods or service suppliers of the insured (e.g. lock out of their employees) or suppliers’ employees - excluding action of the insured or the insured’s employees or those of holding or subsidiary companies.

Is the provision of employee retirement benefits through a combination of employer and (optional) member contributions.

This class of insurance will be managed by our strategic partners UNAC West End Group Pty Ltd.

Provides indemnity to the trust, trustees and employer for claims first made against them and reported to the insurer during the period of insurance arising from a wrongful act in relation to the superannuation trust.

Provides indemnity for Accountants’, Tax Agents’, etc. costs together with necessary legal costs associated with a tax audit or investigation instituted by the Australian Taxation Office.

Covers loss by theft or attempted theft consequent upon forcible and violent entry of the premises.  Cover can also be arranged to include theft without forcible entry.

Unlike Life insurance which pays out on the death of the insured, this cover will pay on the diagnosis of a major, specified trauma such as heart attack, cancer, stroke, etc.  The sum insured is payable in lump sum form to ease the financial burden which a critical illness can impose.  Can be issued as ’stand alone’ or incorporated in a life cover.

This class of insurance will be managed by our strategic partners UNAC West End Group Pty Ltd.

Provides cover in excess of your standard liability policies and also provides blanket cover for some areas excluded by standard liability policies but subject to a substantial deductible, e.g. $10,000.

Any company trading in stocks, securities, derivatives or buying futures or hedging in foreign exchange or raw materials may be exposed to the unauthorised actions of their employees.

The actions whilst unauthorised may not be fraudulent or dishonest and these fall outside a normal fidelity guarantee cover.

Personal Accident cover on a group basis designed to provide individual employees with financial protection with premiums spread throughout the year by means of a payroll deduction scheme.

Sometimes called Representations & Warranties insurance, this cover is purchased by the seller of a business to protect the seller against liabilities, which arise from the provision of warranties and indemnities in sale agreements.  As often as not, cover is purchased at the insistence of the buyer of a business, as it underwrites the value of the asset being brought.

Provides 100% additional cover for death, permanent injury and weekly benefits for nominated workers’ - subject to the maximum provisions of the Workers’ Compensation Act.

Covers the Legal liability of the Insured to pay compensation to employees in terms of Workers' Compensation legislation applicable to the states or territories in which employees are present.

The employee’s normal State of domicile must be within Australia and current Workers Compensation insurance must be maintained for each State or territory involved.

Cover provided is normally limited to:

• Workers' engaged in specific capacities of employment;
• Diseases and injuries insured by the State of domicile policy;
• A nominated length of time when worker must return to State of domicile;
• An overall limit of indemnity.

Extraterritorial

Provides cover for the difference, if any, between Workers' Compensation benefits payable anywhere outside the employee's State of domicile and benefits payable within the State of domicile.