Business Insurance Proposal for Your Childcare Centre
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- Oswald Wilkinson
- 8 years ago
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1 Business Insurance Prpsal fr Yur Childcare Centre Prepared by Gary Thmas, Scheme Manager /
2 What is Child Prf? Child Prf is a business insurance slutin tailred t the specific needs f childcare industry grups and is designed t ensure that yur business can financially survive any insurable event. Child Prf is exclusively available t Early Childhd Centres and cmbines all the critical cvers mdern business requires as well as prviding additinal specialised prtectin. Child Prf autmatically includes these crucial cvers Plant Cver up t a maximum f $500,000 per 50 children Business Interruptin Cver up t a maximum f $1,500,000 per 50 children Perid f Cver t re-establish yur business - 18 mnths r 24 mnths Health Clsure Pandemic Cver up t 25% f turnver r $250,000 maximum, ne event Public Liability increased t $5,000,000 Trustees Liability Cver $1,000,000 Directrs & Officers Liability $1,000,000 Emplyment Disputes cver $250,000 Legal Expenses $250,000
3 We are NZ s leading insurance advisr in the Educatin Sectr Crmbie Lckwd has several lngstanding educatin relatinships thrugh which we have develped an incmparable understanding f the sectr s unique requirements: Tmrrw s Schls Scheme insures 1200 Primary and Secndary Schls Child Prf insures 750 privately wned and cmmunity-based Pre-schls Kids under Cver insures 500 Play Centres and Kindergartens Oscar Cver insures ver 100 Oscar and Hme-based Prgrammes EBS Prvides the life and health benefits fr members f the Educatinal Benevlent Sciety Te Khunga Re insures 450 Pre-schls Uni-Care (a whlly wned subsidiary) NZ s largest and mst experienced insurance prvider fr Internatinal students and educatinal grups Fr well ver a decade ECC members have enjyed the benefits f their wn insurance scheme, tailred specifically fr the early childhd sectr. ECC CEO Peter Reynlds attributes the success f this unique scheme t the individual attentin that each member gets frm the dedicated manager f the scheme. Gary Thmas has been managing ur scheme right frm the start - ver that time he has built up an enrmus knwledge f the early childhd sectr and develped excellent relatinships with the ECC staff and members. He understands ur business and has ensured the insurance cver he ffers keeps up t date with industry needs." Peter Reynlds Chief Executive Officer Early Childhd Cuncil 01/07/2011 Wrking with Child Prf Child Prf has been set up t prvide early childhd rganisatins with a n-nnsense user friendly insurance slutin. Frm the advice based website thrugh t dedicated Claims Team attentin and exclusive plicy cnditins and wrdings, Child Prf is designed t prvide flprf security backed up by Crmbie Lckwd s cmmitment t service and market-leading size and influence.
4 Wh is Crmbie Lckwd? Funded in 1978 Crmbie Lckwd grew t becme New Zealand s largest independently wned insurance brker befre acquisitin by Wesfarmers in late The new wnership has nly inspired the cmpany s management and team. As Steve Lckwd has said: Wesfarmers wnership enables us t retain ur strng culture and ur fcus n prviding utstanding service t New Zealand businesses. Being part f a larger rganisatin gives greater financial cmfrt t ur clients and mre pprtunities fr ur staff while psitining us t capitalise n market pprtunities. The cmpany s clear fcus n client needs, client service and innvative client slutins pwered its early success and cntinues t drive the cmpany tday. The result is a highly skilled, energetic team with a well-runded perspective n tday s business demands. Demands like inventive prduct slutins; demands like cst effectiveness at every level; and abve them all, the demand fr service. Crmbie Lckwd peple are dedicated t prviding easy access infrmatin, prmpt enquiry reslutin and swift, equitable claims settlement. Our netwrk f 25 ffices resurced by ver 500 industry prfessinals means that we are accessible wherever yu are in the cuntry. We describe ur netwrk advantage this way: Lcally fcused Natinally resurced Internatinally endrsed The Website
5 As a Child Prf client yu autmatically gain full access t the Child Prf website which prvides yu with useful tls such as a claims reprting guide, a free legal help line fr emplyment related issues, and nline claim frms. We als prvide yu with a Risk Management Manual upn request t assist yu with preparing yurself fr a Natural Disaster. Leverage Crmbie Lckwd is the cuntry s largest small-t-medium business brker and is, in fact, the secnd largest verall. Yu benefit directly frm ur industry relatinships bth in New Zealand and arund the wrld. Crmbie Lckwd places ver $400,000,000 annually in business. In simple terms we are small enugh t care but big enugh t get it dne every time. Exclusive Plicy Wrdings Rather than rely n the insurers standard plicies we perate ur wn, that way the small print is in yur favur. Yu benefit frm the fact that fr the last 30 years we have irned ut all the small wrinkles and nuances frm the ff the shelf plicies t yur benefit. Our wrdings are exclusive and nly available t ur custmers. Cnsistency Hw ften d yu hear that service is nly as gd as the peple yu deal with? Crmbie Lckwd has the lwest staff turnver in the industry, less than 3%. This creates genuine strength, understanding and lngevity t ur client relatinships. We accrue knwledge abut ur clients and use it t prvide quicker, smarter slutins. Advice-based slutins We view ur rle as yur prfessinal advisr whse rle is t deliver maximum value t the relatinship. We achieve this by giving yu the all guidance and infrmatin t make educated decisins abut yur business s prtectin. We deliver this by surcing the best cver at the best price. Cheap is easy; value and genuine prtectin is a skill.
6 Our Wrld Famus Claims Team Crmbie Lckwd perates a Claims service which is unique t the New Zealand industry. Fr example we are the nly brker in the cuntry t prvide an after-hurs claims service (0800CROMBIE) fr urgent claims and lss mitigatin advice utside f nrmal business hurs. We have service level agreements in place with ur strategic partners t ensure that claims are assessed and prcessed prmptly and accurately. Quarterly meetings ccur at natinal and lcal levels between Crmbie Lckwd claims staff and the underwriters claims managers. In the rare instances that a claim is declined, Crmbie Lckwd has the size and the relatinships in place, t ensure that the claim is cnsidered at the highest level. Crmbie Lckwd enjys a strng relatinship with lss adjusting firms and service level agreements are in place t ensure ur clients als receive the highest level f service frm these firms. Crmbie Lckwd claims staff are all either industry qualified (ANZIIF) r studying twards achieving this. We have a cmmitment t training and develping ur claims staff. Crmbie Lckwd perates a paperless claims service that is based; in mst cases we are able t ffer a same day turnarund n crrespndence. In shrt, Heather Watsn and her team will prvide yu with 24 hur 7 day a week claims service and advice.
7 Insurer Ratings In accrdance with the Insurance Cmpanies (Ratings and inspectins) Act 1994 all New Zealand Fire and General Insurers must have a current financial rating frm an apprved agency. Crmbie Lckwd will nly request terms frm underwriters with current A r higher ratings frm an apprved agency, unless therwise stated. Explanatin f Ratings - Crrelatin between agencies Standard & Prs S&P Secure Rating Vulnerable Ratings AAA Extremely Strng BB Marginal AA Very Strng B Weak A Strng CCC Very Weak BBB Gd R Regulatry Actin A M Best Secure Rating Vulnerable Ratings A++, A+ Superir B, B- Fair A, A- Excellent C++, C+ Marginal B++, B+ Very Gd C, C- Weak D Pr E Under Regulatry Supervisin F In Liquidatin
8 Child Prf Insurers Current insurers servicing the exclusive Child Prf insurance slutin are: Ver Insurance Limited (S&P A+) 50% Offshre Market Placements Ltd* (S&P A-) 50% When Business Interruptin included: Infectius Disease Extensin is underwritten by *Offshre Market Placements Ltd 100% *[On behalf f certain underwriters at Llyds and ther insurers]
9 Plicy Benefits Material Damage Plicy Cvering: All accidental physical lss r damage including fire, fld, burglary & theft, malicius damage, weather perils, and natural disasters. Replacement Sum Insured Buildings Replacement Sum Insured Cntents Per 50 Children $ Optinal $ 500,000 Imprtant: We recmmend that yu btain a building valuatin t ensure that yur building sum insured is crrect. A valuatin reflects the reinstatement cst plus demlitin csts and prfessinal fees. Please check that yur plant sum insured reflects the ttal replacement value f all yur cntents, including ffice equipment, kitchen plant, art supplies, playgrund equipment, tenant s imprvements and general cntents. Extensins: Mney A $ 10,000 Mney B $ 2,000 Sundry Lsses $ 100,000 Electrnic & Mechanical Breakdwn $ 10,000 Electrical Mtrs & Starters Fusin Cver $ 10,000 Theft Sum insured Gds In Transit $ 10,000 Refrigerated Gds Gradual Damage $ 5,000 $ 5,000 Capital Additins $ 50,000 Landslip and Subsidence Excess $10,000 $ 250,000
10 Business Interruptin Plicy Cvering: Lss f Grss Prfit and Increased Csts caused by lss r damage t prperty at premises used by yu fr which there is a claim payable under Sectin 1 f this plicy. Maximum Limit per 50 children $1,500,000 Lss f Rents $ Increased Csts f Wrking $ Claims Preparatin Fees $ Indemnity Perid: 18 mnths Extensins: Natural Disasters including Earthquake Preventin f access limit 10% Excess 24 hurs r 3 Days fr clsure f transprt rutes Custmers and suppliers premises limit 10% Public utilities Excess 24 hurs Fumes Gases and Txic Chemicals Health Clsure/Infectius Diseases limit 25% Excess 14 days Clsure by Public Authrities limit 10% Excess 24 hurs Indemnity Perid extended t 24 mnths Excluded
11 Cmbined Liability Plicy Cvering: Public Liability Cvers yur legal liability fr damage, injury and sickness t ther persns ther than emplyees. Limit Of Indemnity $5,000,000 Excess: $ 250 Extensins: Legal Liability fr Punitive & Exemplary damages $1,000,000 Damage t Third Party prperty held in yur care custdy r cntrl $ 25,000 Cvering: Statutry Liability Fines penalties and csts f defending any actin brught against the insured thrugh a breach r alleged breach f any Act f Parliament Limit Of Indemnity $ 500,000 Excess: $ NIL Cvering: Emplyers Liability Cvering yur legal liability fr injury r illness t emplyees ccurring within the wrk premises (including Punitive and Exemplary damages) and which falls utside the cver prvided by the Wrkers Cmpensatin plicy r ACC Act. Limit Of Indemnity $ 500,000 Excess: $ NIL Cvering: Trustees Liability including Directrs & Officers Liability Cvering yur legal liability caused by reasn f any wrngful act in the management f the bard r f the business including in Lc Parentis. Limit Of Indemnity $1,000,000 Excess: $1,000.00
12 Cvering: Prfessinal Negligence Cvering legal expenses and damages arising frm any breach r alleged breach f Prfessinal Duty by yur business and/r yur emplyees Limit Of Indemnity $1,000,000 Excess: $1, Cvering: Emplyment Disputes Fr csts awarded r csts f defending any actin brught against yu r yur business in relatin t matters arising frm an emplyment dispute, r wrngful suspensin (ECC Members includes a free helpline fr emplyment related issues) Limit Of Indemnity $ 250,000 Excess: $2, Cvering: Legal Expenses This plicy is designed t prvide prtectin fr legal csts in taking r defending an actin (nt therwise mre specifically insured). Sme disputes simply incur legal csts t reslve the issue and d nt necessarily fall under any f the specific liability sectins. Limit Of Indemnity $ 250,000 Excess: $1, Cvering: Fidelity Guarantee Cvering lss f mney r ther prperty which arises ut f a dishnest act cmmitted by ne r mre f yur emplyees, and assciated csts as described in the plicy dcument. Limit Of Indemnity $ 25,000 Excess: $1, Optinal Cvers: Out f Schl Care Extensin Directrs & Officers Liability Extended Cver Excluded
13 Indicative Qute Including GST Excluding Buildings Auckland/ Nrthland/Waikat/ Tauranga/ Taranaki/ Otag/ Suthland 50 Child License T/O $1,000,000 $ 3, Child License T/O $600,000 $2, Elsewhere pst Child License T/O $750,000 $4, Child License T/O $450,000 $3, Elsewhere Child License T/O $750,000 $5, Child License T/O $450,000 $3, Elsewhere Child License T/O $750,000 $5, Child License T/O $450,000 $4, NOTE indicative rates exclude Canterbury, Westland, Wellingtn, Wairarapa. Indicative rates fr ECC members nly If yu wuld like a persnalised qutatin please cmplete the applicatin frm and t the scheme manager Gary Thmas gary.thmas@crmbielckwd.c.nz Free Phne
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