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Explaining Management Liability to Your Clients
There are four key areas you should focus on when explaining Management Liability (ML) insurance with your clients: WH&S defence costs, fines and penalties; Employment issues, Employment practices liability; Employee theft or third-party crime; and Personal asset protection. Why these areas? From recent reviews of our data we have identified...
Crime Cover under Management Liability
One of the most financially punishing and emotionally taxing events that a business can endure is a crime or fraud committed against it by an employee or contractor. The consequences can be both financial and emotional. But a Management Liability policy with appropriate crime cover can help the business through...
Loss of Use Triggers – General Liability
We often receive queries about how loss of use of tangible property triggers a response under our General Liability policies. Loss of use is referenced in the definition of property damage. We have set out some examples below to help explain loss of use. The key take away is that...
What is the Retroactive Date?
Professional indemnity insurance provides cover for professionals to protect them against losses from a breach of professional duty. Professional indemnity insurance is a claims-made and notified policy. This means if the insured receives notice of a claim during the policy period, the claim must be notified to the insurer before...
Elite Women in Insurance | Kirsty Owens
This month we are celebrating women who are making a difference in insurance with the annual Insurance Business Elite Women awards. As you know the insurance industry has long been a male-dominated space however this is on the turn with an increase in female leaders across the board. These women...
What is Dementia?
Dementia is the second leading cause of death for Australians and the leading cause of death for women. So, what is dementia and what does it mean for the estimated 487,500 Australians currently living with Dementia? What is dementia? Dementia describes a collection of symptoms that are caused by disorders...
Insurance for your Side Hustle with AUZi
Working a side hustle? Do you really need insurance? Over the last few years, we have seen an uptake of people turning their passion or hobbies into a side hustle. Considering the constant increases in our general living expenses, more of us are left with no option, but to find...
Amendments to WHS legislation- Statutory Liability
What all Australian employers need to be aware of As an employer, you may have heard about some of the changes recently made to Work Health and Safety (WHS) legislation in various states across Australia. The main aim of these amendments is to force employers to take WHS matters more...
