Find Out More
You work hard for your personal belongings and if the worst happens you want to know that they will be replaced or repaired. Whilst we can’t cover sentimental value let us find the best cover at a competitive price for your home, rental properties, cars, caravan and boat so that when something goes wrong you aren’t left wondering if you bought the right cover. We also handle any claims you may have to save you being on hold to a call centre if something does go wrong.
It’s important to not only protect your business property but also your income should there be an interruption to your business from something like storm or fire damage. As a tradie do you have cover if your vehicle is stolen with all of your tools? Our brokers can clearly explain the different covers available and what would be suitable for your business as well as help you calculate the level of cover you require.
There will be a time in most businesses when something goes wrong and you cause damage to another person or their property. If you sign contracts for a job does your current policy meet the contractual requirements including naming a Principal as an insured and Waivers of Subrogation? Standard policies do not extend to this automatically. Are you aware that if you use Contractors and they are injured this can become a liability claim for you? Make sure your policy has the required extension for this.
Under the Workers Compensation Act you are not only obligated to cover employees but in some instances the contractors you engage. We can provide advice on this. We have access to discounted rates across most industries and can assist you with managing the larger claims to keep them on track so the costs don’t blow out.
If you are a business that provides advice or design work for a fee you should protect yourself against financial loss from errors and omissions or breach of your professional duty with a Professional Indemnity Insurance policy. This policy also covers legal expenses incurred as a result from such claims from your client. If you give written or verbal advice you should consider this cover.
As a business owner, director or senior manager of an incorporated entity, you face real exposures every day.
In today’s business world, legal action against companies and individuals is on the increase. And if you think this happens “only in America”, think again. Australia is rapidly becoming one of the most litigious nations in the world.
The day to day events of wrongful termination and OH&S fines and penalties are increasingly affecting businesses of all sizes.
Management Liability not only covers penalties awarded against your business but also the legal and investigation costs incurred.
We are hearing more frequently of businesses having their IT systems hacked and information stolen or having their information held to ransom. A Cyber Liability policy covers not only the loss to yourselves for interruption and investigation but penalties you may incur for things such as breach of privacy laws. It can also cover credit & identity monitoring services, customer notifications costs, data restoration costs, cyber extortion costs and virus removal.
In partnership with PMM Financial Solutions we can offer the full range of personal protection policies including Life Insurance, Income Protection and Trauma Insurance. We can also offer advice on Superannuation and Financial Planning. If you would like some further information we can put you in touch with our dedicated Advisor at PMM.
For additional information or a no obligation free quote on any of the products please contact us. We look forward to hearing from you.