A tailored policy specifically for not-for-profit organisations and Associations, it incorporates the core features of professional indemnity, directors and officers liability and employment practices liability into a single policy.

Some of the benefits of a combined policy are;

• Reduced cost,
• Tailored features, and
• Automatic cover for activities of committees and volunteer workers.

Key liabilities covered are:

• Breach of professional duty.
• Breach of fiduciary duty.
• Defamation.
• Breach of the Trade Practices Act, and other statues.
• Breach of privacy.
• Occupational health and safety proceedings.
• Infringement of intellectual property rights.
• Breach of confidentiality.
• Allegations of illegal or improper conduct.
• Wrongful dismissal, discrimination or harassment claims from employees.

Corporate governance and regulatory supervision means today’s company directors and officers operate under increasing pressure to perform their duties meticulously. Companies have to comply with a growing list of complex laws and rules, which increase the possibility of loss and consequent litigation. Directors and Officers Insurance provides coverage for your directors and officers for claims arising from allegations of wrongful acts while acting in their capacity as a director or officer.

Policies include cover for:

• Defamation

• Advancement of costs and expenses

• Emergency defence costs and representation expenses

• Breach of OH&S and other legislation

• Public relations expenses

• Legal consultation

• Business crisis consultant fees

Management liability includes Directors and Offices Liability and also incorporates many useful covers otherwise out of reach of typical SMEs.  Combining these into a single policy makes it cost effective for you, the client. These policies generally include;

• Directors & Officers Liability
• Employment Practices Liability
• Statutory Liability
• Tax Audit Costs
• Cyber & Privacy Liability
• Entity Coverage
• Crime Protection

With technology changing so rapidly and society relying on it to manage their businesses and lives, it is not surprising that technology companies are experiencing greater liability risk for the work they perform and products that they supply.

Information Technology insurance is a specialised product which combines Professional Indemnity and Public/Products Liability that can cover a technology company’s liability for:

• Unintentional Breach of Contract to Design, Develop, Produce or Supply Software
• Negligent Acts, Errors or Omissions
• Invasion of Privacy/Publicity
• Intellectual Property Infringement
• Defamation
• Breach of Confidence
• Fraud/Dishonesty of Employee
• Failure to Prevent Unauthorized Access, Use of, Tampering with or Introduction of Malicious Code
• Denial of Access or Denial of Service Attack
• Civil Liability

The policy is suitable for a wide range of technology businesses, including those providing:

• Information Technology Services
• Software Development
• Government/Defence
• Telecommunications Services
• IT and Telecommunications Equipment Manufacturing

As a stand alone Industrial Special Risks (ISR) or part of a Package policy. Covers fire and extraneous perils such as storm, impact and malicious damage.

Standard property covers are tied to the specific location listed in the policy document. If property to be removed from the situation is to be insured (lap tops etc) a separate General Property cover will be required.

Property covers are often tied in with Business Interruption insurance which covers lost profit, additional increases in cost of working and costs incurred in putting a major claim in.

Having a Corporate travel policy arranged by us is not only cheaper, it provides better cover than most policies purchased through travel agents. A Corporate Travel policy also has the advantage of providing cover for travel within Australia.

Typical features of a standard policy include:

Overseas Assist

Access to worldwide services for emergency assistance including:

• Access to medical practitioners for emergency assistance and advice
• Medical repatriation/evacuation
• Advice and assistance with lost luggage (including passport)

Overseas medical expenses

• Reasonable medical costs necessarily incurred outside of an insured persons country of residence (and outside of Australia)

Personal accident & sickness

• Accidental death benefit
• Lump sum capital benefits for listed disablements
• Loss of income benefits
• Lump sum surgery benefits
• Fractured bones benefits
• Dental benefits

Travel disruption

• Loss of deposits benefit
• Cancellation and curtailment benefits
• Alternative employee/resumption of assignment benefits
• Missed transport connection benefit
• Hijack and detention benefits

Baggage

Coverage includes loss or theft of, or damage to:

• Personal and business property
• Electronic equipment
• Money and travel documents

Also includes coverage for delayed, misdirected or temporarily mislaid personal property.

Political unrest and natural disaster

Cover for certain costs associated with the evacuation of insured persons due to:

• political unrest or
• a natural disaster occurring in the country they are traveling in.

Vehicle excess waiver

Includes excess waiver coverage for both:

• rental vehicles and
• personal (private) vehicles.

Personal liability

Cover for insured persons legal liability to pay damages in respect to:

• bodily injury caused to other persons and
• loss of or damage to property.

Kidnap and ransom

Benefits include:

• Reimbursement of extortion/ransom monies
• Costs associated with retaining independent security consultants in respect to a kidnap
• Costs incurred for the engagement of a public relations consultant