Relationships. Understanding. Certainty. Your Best Insurance Policy

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1 Relationships. Understanding. Certainty. Your Be

2 Safeguarding our clients businesses as if they re our own. Your Be We believe that strong relationships allow for a deeper understanding of our Clients businesses - and with strong relationships comes genuine commitment. With this in mind, we present our credentials, services, products and people, so that you may rest assured that a relationship with Finn Foster will be one of not only genuine commitment, but importantly, industry-leading expertise.

3 At Finn Foster, our goal is to forge long-term relationships that allow us to adopt the role of trusted advisor to our Clients and their organisations. In the most practical terms: we strive to position ourselves as our clients Insurance Department through hard work, genuine commitment and best practice execution, As Insurance Brokers, Risk Management Consultants, Financial Service Providers and Reinsurance Brokers, we specialise in providing personalised, professional and accurate advice and service across all facets of Insurance and related issues. When partnering with Finn Foster, our Clients begin a relationship with an organisation with a history of over 40 years in the Australian Insurance Industry. We work closely with clients - at both operational and management levels - in order to gain a full understanding of day to day operations and to assist them in meeting all requirements in relation to Insurance, Financial Services and Risk Management. The Financial Services Reform Act has put measures in place to ensure that your appointed broker is duly authorised to represent your commercial insurance interests. The licensing regime is as onerous as it is thorough and the Finn Foster group was one of the first to have secured its license in this new era of accountability. To serve as a powerful member of your team. Whilst our future is well structured, it is our past that sets us apart from our competitors. We are a proudly independent group with no outside ownership by insurers - and it is this independence that ensures we function as a member of our Clients team; able to represent their best interests in an objective, personalised manner.

4 BUSINESSES ARE LIKE SNOW FLAKES Crafting unique solutions for unique businesses. Your Be If there s one thing that forty years of experience has taught us, it s that no two businesses are the same. With this in mind, all staff who have a role in an account have a full understanding of the operations of the Client s business and are chosen for their specialist skills in being able to respond to the particular needs of that Client. Beyond this, each of the Clients within our firm have their account controlled by a Principal and Equity holder within our firm. With Clients that have a Head Office and Operating Divisions, it is our approach to develop a relationship at both levels in order to ensure a full understanding of the risks involved and allow an effective reporting and feedback structure in relation to the implementation of risk management processes throughout the Organisation.

5 RISK PROFILES: ONE SIZE DOES NOT FIT ALL At Finn Foster, we consider ourselves to be tailors of risk management solutions. Our focus is always to accurately assess the individual risk profile of each of our Clients before designing a bespoke solution that appropriately addresses the exposures. Simply arranging an Insurance Policy does not address the real issues affecting a Client s business and their risk profile. It is necessary to develop a solution that will work for the medium to long term, not simply provide an apparent solution designed to attend to the insurance needs of this year. WE STAND BY YOUR CLAIMS It is our firm belief that the value of any Insurance Programme lies in its ability to respond quickly and efficiently to claims. Through the successful settlement of many claims over the years, we have proven our ability to design programmes that achieve this result. As part of our role we assist Clients to prepare and submit claims as well as follow the progress of all claims to ensure the best possible resolution in the least possible time. We achieve these results with our Clients by working closely with all levels of management to identify areas of risk within the business. We determine the best way to deal with that risk and then design, implement and monitor a fitting risk management strategy to address the issues that have been identified. This approach also serves to familiarise employees within the Client s organization with the concept of Risk Management and the role that an Insurance Programme plays in conjunction with the operation of the business.

6 Every insurance service at your fingertips. Tailoring and managing successful risk-management strategies is as much about the right people as it is about comprehensive and flexible products. After forty years in insurance and risk-management, Finn Foster has a unique perspective on what constitutes the right people - and we re proud to say that we currently employ more than 40 of them. In addition to the 5 Broking Divisions of the Company we also have a dedicated SME Division, Financial Services Division and Claims Division. At all times Client s have access to our Company s entire resources in relation to their Insurance and Risk Management requirements. It is our practice to develop a core Team that will be responsible for the Day to Day Management of the account - and who will be able to satisfy all requirements in relation to the Insurance Programme. In addition to the core Team, at least two other Principals of the Company will be familiar with all aspects of the Client s Insurance Placement and Risk Management Strategies. This allows continuity of communication in the extremely unlikely circumstance that a member of the Core Team is not able to be contacted. Being available and ready to act on behalf of our Clients goes to the very core of the Finn Foster service offering. So, when we say that our people are your people, rest assured we re not speaking metaphorically. Our people are your people.

7 It is our firm belief that the value of any Insurance Programme lies in its ability to respond quickly and efficiently to claims and over the years, we have proven our ability to design programmes that achieve this result. We assist Clients to prepare and submit claims as well as follow the progress of all claims to ensure the best possible resolution in the least possible time. As one of the Insurance and Risk Specialists in the country, we are proud to have relentlessly pursued many successful claims for our clients over the years. As our valued client, you can expect to have a team of experienced specialists dedicated to attending to your every insurance need, so when the time comes for you to make a claim, you have a trusted and experienced hand driving a successful outcome on your behalf. Our team is on call 24 hours, 7 days a week to assist our clients with regards to claims handling. We are committed to supporting our clients in their time of need. And although we hope you never have to use your policies, in the event of the unexpected we ll do everything possible to ensure your maximum benefit is realised. We re there when you need us most.

8 With the large and varying collection of businesses that we re proud to call our Clients, we consider it our duty to make available every possible insurance risk service that may be required. Through our specialist internal resources and associates across every area of Financial Services, there is no requirement that cannot be provided for in a highly professional and efficient manner. Some of these Many Services include: General Insurance Broking Risk Management & Strategic Planning Alternate Risk Transfer & Financing On Site Employee Training Seminars in relation to : Insurance Education Risk Management Claims Procedures..and other topics of specific interest to Clients. Life Risk Insurance & Superannuation Financial Planning Mortgages, Leasing & Commercial Finance Private Health Insurance Premium Funding Claims Management Workers Compensation Claims and Portfolio Management Every insurance service at your fingertips.

9 Every insurance service at your fingertips. Small Business & Packages A comprehensive selection of business and commercial products. Business Insurance Public Liability Products Liability Fidelity Guarantee Workers Compensation* Commercial Motor Vehicle Personal Accident comprehensive coverage for your business assets and activities protection against injury or damage to other people or their property as a result of your activities protection against injury to others arising out of the use of your products protection from loss of business assets caused by the infidelity of employees compulsory protection of all employees of the business against injury whilst at work comprehensive protection for a motor vehicle used in connection with your business 24/7 protection against accident or illness.

10 Commercial & Industrial Tailored Products Professional Risks Products Industrial Special Risks Machinery Breakdown Public Liability Product Liability Construction Marine Transit Business Interruption Fidelity Guarantee Workers Compensation* Motor Fleet Commercial Strata comprehensive protection of Buildings, Contents, Fixtures, Fittings and Loss of Profits, designed for medium to large business protection against unexpected breakdown and mechanical failure of electronic and mechanical equipment used in connection with your business protection against injury or damage to other people or their property as a result of your activities protection against injury to others arising out of the use of your products physical damage and liability protection arising out of or connected with construction, building and other civil works protection for goods in transit from anywhere in the world, to anywhere in the world by whatever means provision for the replacement of lost profits and payment of fixed costs following damage experienced within the business that causes the business to stop trading for a period of time protection from loss business assets caused by the infidelity of employees compulsory protection of all employees of the business against injury whilst at work comprehensive protection for all motor vehicles used in connection with your business specialist protection of buildings, common assets, rent and provision of alternative accommodation expenses in accordance with the requirement of the strata titles and similar acts in the various states and \territories Professional Indemnity Management Liability Directors & Officers Liability Employment Practices Liability Information Technology Liability protection against financial loss incurred by others as a result of your professional negligence comprehensive package style cover for business managers and owners in relation to such issues as Directors & Officers Liability, employee infidelity and employee practices liability specialist protection for Directors & Officers of a company in relation to claims brought against them for financial or other loss suffered by others as a result of their alleged breach of corporate responsibility specialist protection for the Directors & Officers of a business connected with employment related issues and claims made by staff combines both Professional Indemnity and Public liability under one policy specifically tailored to meet the needs of the IT Industry

11 Home & Contents Listed Events Accidental Damage Special Valuables Tax Audit Insurance Landlords Covers Rental Properties Landlords Contents Landlords Liability Strata Buildings Common Contents Body Corporate Liability Personal Liability Pleasure craft Sailing Craft Liability Private Motor Vehicle Comprehensive Third Party Low-Kilometre & Nominated Driver Motor Cycle Caravan Travel Insurance Overseas Medical, Dental and Additional Expenses Domestic Workers Compensation* Personal insurance products for all the reasons we do business.

12 When it comes to safeguarding the interests of those you hold most dear, it is important to know that you are in the hands of experts. For this reason we created Finserve Private Clients as a specialist operating division of the business, staffed with professionals whose focus it is to deal in all manner of Life, Risk and Superannuation Products. Rather than pulling homogeneous products off the shelf, we take the time to thoroughly and realistically assess your circumstances and budget. We will tailor a suite of products and policies specifically for you and your family s needs, to help you control the impact that any unexpected event may have on your life. We will guide you through the range of options available and continue to work with you to protect your financial dependents and assets, right through from the implementation of our advice to completion. Ours is a personal approach, underscored by an unrivalled level of service and a heartfelt commitment to tirelessly pursue our clients claims as and when they arrive. We provide Personal Life Insurance advice on the following: Life Insurance Total & Permanent Disablement Insurance Trauma/Critical Illness Insurance Income Protection Insurance Protect your most valuable assets.

13 Finn Foster is a member of the Steadfast Group Limited; Finn Foster APB is backed by Steadfast Group Limited, an Australian company comprising of a vast network of independently owned insurance brokerages. With a coverage spanning the metro and regional areas of every state, Steadfast is the largest broker network in Australia. Annually, Steadfast Brokers generate $4.1 billion in sales, providing Steadfast with enormous buying power when negotiating with insurers. This allows Steadfast to develop custom policies with major insurers and back end tools and services for the exclusive use and enhanced professionalism of Steadfast Brokers. Steadfast ensures we have a competitive edge in a dynamic market place and enables us to offer our customers access to multiple insurance companies, a broad range of products, competitive pricing, valuable advice and quality service. With a Steadfast Insurance Broker, you get the best of both worlds local and personalised service, with the insurance expertise and support of a large organisation. Strength when you need it. Powerful support. Protect your most valuable assets. Personalised advice and service Expertise and support of large organisation Buying power that allows brokers to source quality products from a broad, flexible range Strategic alliances with Australia s largest insurers Over 400 network offices Australia-wide Professionalism of Steadfast group Access to wide range of insurance products Access to niche products Policy wordings exclusive to Steadfast Group, developed in conjunction with the largest insurers in Australia

14 Chief Executive Officer Mark Finn Phone : markf@finnfoster.com.au A team of experts you can call upon any time. Your Be Divisional Managers Kevin Whelpton Phone: krw@ffapb.com.au Sheik Rahiman Phone: sheikr@finnfoster.com.au Specialising in: Corporate & Commercial Risks Insolvency Corporate & Commercial Risks Construction Claims Division: Helen Geerke Phone: helen@ffapb.com.au Ross Reynolds Phone: rossr@finnfoster.com.au Steve Brady Phone: steveb@finnfoster.com.au John Davaine Phone: johnd@finnfoster.com.au Corporate & Commercial Risks Strata Corporate & Commercial Risks Professional & Financial Risks Strategic Marketing: Mark Dixon Phone: markd@finnfoster.com.au Financial Services Division (Finserve Private Clients) Sarah Richer Phone: sarah@ffapb.com.au SME Corporate & Commercial Risks Darren Conway Phone: darren@finserve.com.au

15 North Sydney Office : Level 12, 122 Arthur Street, North Sydney NSW 2060 PO Box 84 North Sydney NSW 2059 Telephone: (02) Facsimile: (02)