1 IMPORTANT SUPPLEMENTARY INFORMATION CONTENTS GUIDE Section One Duty of Disclosure Your responsibilities with regard to Disclosure of Material Fact Section Two Contact List List of Staff Members and Contact Details, Including After Hours and Mobile Numbers Section Three Policy Checklist Outlines Covers you have, and more importantly what Covers you do not have. Section Four Claims Procedure What to do in the case of a Claim
2 Section One IMPORTANT DUTY OF DISCLOSURE Every Insurance Contract has an implied condition that the Insured has a duty to disclose to the Insurer all facts that the Insurer might regard as material in deciding whether to accept an Insurance or whether to impose any special terms or conditions on the Insurance. An implied condition need not be stated in the policy but exists at Common law. This duty exists at the time of proposing a new Insurance and at every renewal of a policy. Material facts are almost indefinable because each case must be treated on its merits. We can only therefore give you guidance as to the more common types of situations where you should make disclosure to your Insurer. GENERAL Criminal Convictions, bankruptcy, change of Insured Interest, Insurance refused, declined or cancelled or special conditions imposed, uninsured losses. MOTOR VEHICLE INSURANCE Convictions for careless and dangerous use of vehicles or driving under the influence of alcohol or drugs, loss of licence, young drivers as principal user of vehicles, modifications to vehicles. Accidents whether insured or not. OTHER INSURANCES Changes in the ownership of the insured property, in the situation of the risk, in the nature of the occupancy of premises, in the nature of business operations or processes.
3 Section Two YOUR SERVICE PERSONNEL Ph: RON BRIDGES ANZIIF (Snr Assoc), QPIB, FIBANZ Managing Director After hours Mobile CHRIS ROLFE AIBANZ QPIB Director After hours Mobile DEREK MAGGS FIBANZ QPIB Account Broker After hours Mobile FAITH OWENS Account Broker JANET BRIDGES Domestic Broker LEANNE ROLFE Claims Officer TANIA LINDSAY Broker Assistant JUDY SISSONS Accounts SARAH CARR Ron s Personal Assistant
4 Section Three POLICY CHECKLIST Have you considered all your possible risks? There are many types of insurance to cover different risks. We recommend that you carefully consider the covers below, some of which are not included in your schedule. Please contact our office if you require further information or cover. Material Damage: General Property Business Interruption: Public Liability Insurance: Broadform Public Liability: Carriers Liability: Internet Liability Medical Malpractice Directors & Officers Liability: Trustees Liability: Associations Liability: Professional Indemnity: (Errors Omissions) Employer s Liability Insurance: Insurance of Static Assets. Buildings Replacement Valuation Recommended Plant, Fixtures & Fittings RV Stock Seasonal Stock Increase Customers Goods/Leasehold Improvements Money Earthquake Extension Insuring mobile equipment such as plant, stock, tools & samples, at various situations and in transit Insurance of Gross Profit Additional Costs Of Working Claims Preparation Costs Loss of Rent Reinstatement of Records Book Debts Earthquake Extension Care, Custody and Control Punitive & Exemplary Damages Bailees Liability Motor Service & Repair Extension Underground Services Extension Vibration & Removal of Support Extension Mechanical Plant & Mobile Cranes Extension Product Recall Goods On Hook Insured's Legal Liability for damage to the property of others, as defined by the Carriage of Goods Act (1979) and amendments thereto. Subject to Insurers policy terms conditions & exceptions. Provides Indemnity for claims including transmission of a virus/breach of Intellectual property/defamation/breach of copyright/breach of Confidentiality. Provides Indemnity to the company and Directors & Officers against claims by shareholders and/or Creditors/Clients. Cover against third party claims due to negligent acts, & errors or omissions which do not necessarily involve loss or damage to third party property. Liability for actions by injured employees, including Exemplary or Punitive Damages, including Legal Defense Costs.
5 Employment Practices Liability: Statutory Fines & Penalties: Legal Prosecution Defence Insurance: Computer Breakdown: Contract Works Insurance: Machinery Breakdown Insurance: Refrigerated/Frozen Stock: Personal Accident & Sickness/Income: Trade Credit Employee Fraud/Fidelity Guarantee Bonds Travel Marine Insurance: Commercial Motor Vehicle Insurance: Domestic Insurances: Private Motor Personal Legal Protection: Life Assurance Protection for Directors, Management and the Company arising from employment disputes brought about by employees. Covers the cost of defence and any damages awarded. Insurance of Fines & Penalties and Legal Defense Costs for Statutory Fines. Protection for Directors, Executive, Managers and Employers arising from criminal prosecution whilst going about their daily work. Covers legal expenses incurred in defending a legal action alleging an offence under statute arising in the course of employment with the Insured. Breakdown Only Loss of Information Loss of Gross Revenue Increased Costs of Working Claims Preparation Costs Insurance of Contract Works Annual Declaration Individual Policy Required Cover for Sub Contractors Repair/replacement costs following break-down of machinery and/or Consequential loss. Breakdown Only Boiler Explosion Loss of Gross Profit Increased Costs of Workings Claim Preparation Costs Provides insurance for spoilage of refrigerated stock due to Unforeseen circumstances, i.e. power failure, breakdown. Protects your income for Accident and Illness. Long Term (to Age 65) Weekly Benefit (104 Weeks) Medical Expenses Corporate Travel Insurance: To cover Directors, Employees and their families whilst traveling overseas on business or agreed leisure travel. Individual Declaration Imports/Exports Internal NZ Transits Commercial Hull Comprehensive Loss of Use Cost of Rental Vehicle Third Party, Fire and Theft Third Party Home Contents Boat Holiday Home/Contents Rental Home/Landlords Fixtures Car/Motorcycle Provides Indemnity for personal legal defence costs. Term Medical Total Permanent Disability Other
6 Section Four CLAIMS PROCEDURES MATERIAL DAMAGE PROPERTY CLAIMS 1) Immediately advise Bridges Insurance or after hours personnel for major losses. 2) Complete a claim form or write a full statement of what occurred and send it to Bridges Insurance, P O Box 467, Hamilton at least within 14 days of the loss. 3) Burglary claims or loss of valuable items of stock, plant or money, please notify the Police accordingly. 4) Should a break-in occur, please secure the premises accordingly. MOTOR VEHICLE CLAIMS 1) Immediately notify Bridges Insurance. 2) Complete a Motor Vehicle Claim Form fully as soon as possible thereafter including Name, Address and Registration Number of the Other Party 3) If the repair costs are under the Policy Excess and the accident involves another party, a claim form should still be completed. 4) Retain details of any witness in case they are needed to provide statements. 5) Send Claim Form and any other relevant information to Bridges Insurance, P O Box 467, Hamilton. 6) No admission, offer or promise of payment can be made without the written consent of Insurers. 7) All letters, claims, writs, etc. must be passed immediately to Bridges Insurance. LIABILITY CLAIMS 1) Notify Bridges Insurance immediately giving details of: (a) The Accident (b) Any Claim (c) Impending Prosecution (d) Proceedings That may give rise to action against you. 2) Do not admit or deny liability verbally or in writing, obtain names of witnesses and, if possible, photograph areas of damage. Discuss such actions with Bridges Insurance or the Assessor appointed when in doubt.
7 3) Complete a Claim Form and send it with supporting documents to Bridges Insurance. 4) Please use your discretion in regard to minor claims. MARINE CARGO CLAIMS 1) When the consignment is received an immediate examination should be made for visible signs of damage. 2) If there are visible signs of damage the receipt should be claused to that effect and full details to follow. If the ship/carrier will not take a claused receipt, delivery should be refused. 3) If it is impossible to examine the consignment immediately (it is essential that an examination should be made as soon as possible) the receipt should be claused UNEXAMINED. 4) If there is damage the Shipping Company/Carriers/Container Operators/Port Authorities/ or Third Parties should be held liable in writing with an estimate of claim (if full details are not available) and invited to survey. 5) At the same time the company s agent or Bridges Insurance should be advised (a copy of the letter claiming against those responsible) with a claim estimate. 6) If necessary the Insurers will appoint an Assessor and if possible a joint survey should be held. 7) When the claim amount has been established a letter should be written to the Shipping Company/Carriers/Container Operator/Port Authorities and/or Third Parties with an account and holding them liable. 8) Copies of this correspondence and replies obtained should be forwarded to the Insurer with the customary documents, which are as follows: (a) (b) (c) (d) Original Bill of Lading, Consignment Note or other evidence of the Contract of Carriage. The Original Invoice. Insurance Certificate or other evidence of Insurance (if issued). Details of the claim with supporting evidence e.g. claused receipts, claused delivery order, Short-landing Certificate, Exception Without Prejudiced Form. If an Assessor has been appointed he/she will assist you, and the customary documents may be sent via the Assessor.
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