Professional Indemnity Insurance (PII)
This is our main area of expertise, and for our clients the most important insurance policy which their practice will arrange, covering against all of their civil liabilities for any errors, omissions, negligence or breach of contract which may occur in the course of their business.
Our staff have over 20 years’ experience in arranging PI insurance for consultants within the construction sector, and this knowledge has enabled us to tailor some of the most comprehensive policies available from over 40 different insurance companies and Lloyd’s syndicates.
You will receive an unrivalled service, with a meticulous attention to detail, exceptional response times, advice whenever it is required, and most importantly complete assistance during the process of making any claim.
We are proud to state that we are an insurance broker who acts in your interests, never an agent whose main obligations rest with the insurers.
Design & Construct Insurance (D&C)
This is a very specialised hybrid form of professional indemnity insurance.
If you are a builder, designer or project manager who enters into a contract to construct a particular project, whether that be a building, civil works, bridge, specialised plant or other structure, a standard PI insurance policy will not be sufficient. This is because they all generally exclude construction, manufacturing, installation and alteration risks.
We are able to arrange annual or project specific policies for D&C risks, and can also incorporate cover against your contractual liabilities, which would otherwise normally be excluded under PI insurance. These could include collateral warranties, waiver of subrogation rights, novated contracts, hold harmless and limitation of liability clauses.
This is an extremely complex area of insurance for which you require specialist advice and bespoke cover, please do not assume that all brokers have the ability to arrange these policies.
Management Liability, Directors & Officers Insurance (ML, D&O)
Every proprietary limited company and its directors and officers has some form of exposure to management claims, for both their personal and company liabilities, yet for some unknown reason a reasonable majority of firms choose to self-insure against losses of this nature.
Potential claims could include employee actions such as harassment, breach of employment contract, discrimination or wrongful dismissal, claims from Government bodies for tax issues, trade practice failures or breaching statutory legislation (e.g. OH&S or environmental acts), claims from competitors or customers for deceptive or misleading conduct under the Australian Consumer Law, claims from shareholders or creditors, and even theft of monies by your own employees.
Considering the relative inexpensiveness for this type of policy, especially when compared to PI insurance, don’t make the mistake of being without this valuable cover.