Coast and Country Insurance Consultants Pty Ltd General Insurance Department

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1 Coast and Country Insurance Consultants Pty Ltd General Insurance Department Coast and Country Insurance Consultants General Insurance Department consists of five team members: Three Brokers, Kerri Day, Natalie Page and Kiara Bodycote along with two Business Administrators, Brodie Chiswick and Amy Owen-Cooper. All staff undergo regular product training to ensure all our clients are given the very best advice. Team members pride themselves on being thorough and providing fantastic service to our clients. Each General Insurance Broker at Coast and Country is an individual authorised representative of NAS Insurance Brokers (AFSL ). Each Broker attends many product training days and online training each and every year. Our clients benefit from this combined wealth of knowledge along with our dedication to great service. As part of the NAS group we are also a member of the Steadfast Cluster Group and a member of NIBA. This allows us access to over 150 different underwriters and support from specialist underwriters, legal advice and the benefits only a large Insurance Broker can offer, as Steadfast is the largest Broker Group in Australasia. They pride themselves on having strength in numbers, association, knowledge and professionalism. The following web sites will provide more information on the Steadfast Group, NAS Insurance Brokers and NIBA for your interest:

2 Our Service We have a 24hour service standard to ensure all clients are contacted within this time frame. The length of time to complete quotes is largely dependent on the type of quote required. We do our very best to ensure quotes are provided and cover is placed within the required timeframe for our client, at the same time being transparent about the practicalities of this timeframe. We can provide our service via phone with paperwork being ed, posted or faxed, or our clients can choose to come into our office for an appointment. If logistics allow we also offer to go to the client s premises if a property survey is required or for the convenience of the client. General Insurance Products There are many products that are offered under General Insurance such as Business Pack, Public and Products Liability, Tools of Trade Insurance, Equipment Cover, Transit Cover, Workers Compensation, Professional Indemnity, Directors and Officers, Tax Audit, Home Warranty, Contract Works, Commercial Motor, Heavy Motor and many more. A portion of our company profile has been included later in this portfolio providing a description of a variety of covers for your reference. General Insurance Department Team Members Coast & Country Insurance Consultants Pty Ltd General Insurance Department is currently composed of the following team members: Senior General Insurance Broker Kerri Day Authorised Representative of NAS Insurance Brokers AFSL Kerri is the principle for the General Insurance Department ensuring that things run smoothly and that quote requests and queries are answered quickly and efficiently. Kerri is committed to providing competitive insurance solutions for the Business and Professional clients and tailoring insurance solutions to meet their individual requirements. Insurances offered include but are not limited to Business and Office Packages, Professional Indemnity, Corporate Travel, Rural, Contract Works and Home Warranty. 2

3 General Insurance Broker - Natalie Page Authorised Representative of NAS Insurance Brokers AFSL Natalie is responsible for a range of Commercial and Domestic Insurances. Specialising in assisting Tradesmen with their General Insurance requirements such as Public Liability, Tools of Trade cover, Contract Works Insurance and Workers Compensation. Natalie is an enthusiastic team member who is dedicated to providing the best service and providing the best advice for her clients. General Insurance Broker Kiara Bodycote Authorised Representative of NAS Insurance Brokers AFSL Kiara is responsible for a range of Commercial and Domestic Insurances. Kiara specialises in Commercial Motor Vehicle, Private Motor Vehicle, Plant and Machinery and Heavy Motor Vehicle Insurances, although she can also can assist in providing cover for Public and Products Liability, General Property, Workers Compensation, Marine and Transit Insurance. Kiara is dedicated to providing the best service and providing the best advice for her clients. Business Administration Amy Owen-Cooper Amy manages our Reception area and ensures clients are connected with the appropriate person in the office as quickly and efficiently as possible. Amy also processes the CTP Insurances for our clients and is responsible for assisting our General Insurance clients with payment and general enquiries. Business Administration - Brodie Chiswick Brodie is responsible for our Reception and general office administration for our General Insurance clients. Brodie is an approachable team member who will always greet you with a smile and offers a high level of customer service to all our clients. 3

4 General Insurance Products There are many different insurers and specialist underwriters and seldom are their policies, conditions and premiums the same. Also if an insurer is particularly good at one type of product it is very unlikely that they are as good with every other product. At Coast & Country we have access to most insurers and many specialist underwriters and we will shop around to get the best cover at the best premium for you. When dealing with Coast & Country you may have several different insurers covering different aspects of your insurance needs but you have only one point of contact who is always on your side and there when needed. Some of the insurers we deal with are Allianz, AFA, Calliden, CGU, Lumley, QBE, VERO and Zurich but there are also others not necessarily as familiar but equally as capable of providing excellent cover at affordable premiums. When it comes to insurance, most business people want excellent service, policies to suit their business needs and competitive premiums. That s exactly what Coast & Country Insurance Consultants delivers. So if you need cover for business property, business interruption, liability, theft, glass, your business vehicle or workers compensation, we invite you to call Coast & Country. Claims If you ever have to make a claim, Coast & Country will work fast to help you and make sure your claim is handled fairly and without delay. Business Property Cover Cover is available for loss or damage to your business premises and contents. This cover can include: capital additions to your buildings and contents directors, partners and employees property fire extinguishment costs government fees landscaping costs removal of debris re-writing of business records seasonal increase in stock temporary protection 4

5 Business Interruption Cover Will help you keep you in business following an insured occurrence. You can also cover the shortfall to your gross profit resulting from: an occurrence at your premises an occurrence in the vicinity of your premises that hinders access to your premises interruption of services from public utilities interruption at your suppliers or customer s premises closure by government authorities Additional Benefits can include: adjustment for business trends claims preparation costs re-writing of records additional increased cost of working business unit benefits Business Liability Cover To provide peace of mind you can cover both your public and products liability. This covers your legal liability to pay compensation for property damage or personal injury caused by you, your employees or your products. Additional Benefits include: property in your physical and legal control vehicles used as a tool of trade vehicles loading or unloading cross liability 5

6 Business Theft Cover You can cover theft of your stock and contents including the following Additional Benefits: damage to your business premises directors, partners and employees property fixtures and fittings, even if they are located outside the building locks and keys re-writing of records theft of contents without forcible or violent entry Business Glass Cover Cover is provided for breakage and malicious damage of your internal and external glass. Additional Benefits can include: alarm tapes windows or door frames sign writing spoilage of stock temporary shuttering There is also an Optional Benefit to include accidental, malicious or storm damage to signs. Other covers available under Business Insurance Policies include: Money General Property to cover your work tools, laptops and the like against accidental damage Personal Accident & Illness to provide you with an income if you should get ill or have an accident Goods in transit Electronic Equipment Dishonesty of Employees Tax Audit Machinery Breakdown 6

7 Liability Insurance You may think you re well covered, but your business may be underinsured or even uninsured if something goes wrong. If so, recovery could be very difficult. Being aware of your unique liabilities from a business perspective as well as understanding the types of insurance products available to you, allows you to better manage your risks and minimise your liabilities. On a basic level, a liability refers to your responsibility to others. Liability insurance will protect you and your business against claims arising from injuries or damages to other people or property that result from some aspect of your business. Basically if someone makes a legal claim against you, you will be financially protected and the insurance will cover the associated costs rather than you having to find the cash to cover it yourself. Types of liability insurance that you might consider as a business owner include public liability, product liability and professional indemnity insurance. Public Liability Liability arises out of a duty of care to the public and this type of insurance is particularly relevant for businesses that have customers or clients visiting their premises, as the business has a responsibility for the safety of anyone on their premises. Public liability insurance covers you in the case of death or personal injury to a third party, loss or damage to property, or financial loss if you or your business are found to be negligent. If a claim is lodged against you or your business, public liability insurance will cover any costs and expenses associated with the claim, as well as any damages awarded to the third party. Product Liability There is a level of safety that consumers are entitled to expect under Australia s consumer laws and claims against products may arise when these standards are not met. As a business, you are liable for any product you manufacture, distribute, supply or sell. This means that if for some reason the product is unsafe, harmful, defective or dangerous and causes injury, death or damage, you may be held liable. Product liability insurance will provide you with cover if any of these things happen to another person or business as a result of your product s failure. 7

8 Professional Indemnity As a professional, you are expected to meet high standards of skill in your area of expertise. If a client suffers a loss whether it is financial, physical or material - as a result of your advice, or your failure to uphold professional standards, you may be at risk of a breach of duty. Professional indemnity cover protects you against claims of negligence made by clients and can cover professionals across a range of industries. A professional indemnity policy will cover the costs and expenses of defending a legal claim as well as any damages that are awarded. While traditionally, professions were limited to a few well-known occupations, such as doctors, lawyers and financial advisers, the definition has now changed to include any person who offers service advice in a specialised field. For some professions, Professional Indemnity is mandatory, for others, optional. Trades Insurance Coast and Country specialises in managing all the insurances required for Tradesmen. We source public liability and tools products that offer competitive premiums and cover to ensure you receive the best premium each year. Many factors of your business can affect the types of cover you require. We ensure we get to know your individual business so we can tailor the best possible cover for your needs. Other products available through us for the Tradesman include, but are not limited to: Commercial Motor, Accident and Sickness, Contract Works, Home Warranty and Workers Compensation. 8

9 Contract Works Insurance Contract Works Insurance is designed to insure loss or damage to the works including items on site to be included in the works. These policies assist Licensed builders and Contractors to meet their contractual obligations to insure a building project (and materials on site) against loss or damage. Cover for works includes: fire theft water damage malicious damage storm subsidence landslip earthquake. Contract works has a provision to cover Public Liability protection and also incorporate a Maintenance period and can be applied on job specific or annual blanket cover basis. Annual Projects cover can operate on one of the following: turnover basis run-off basis individual declaration basis or difference in conditions We can offer insurance for simple or complex projects whether they are owner-builder, residential, commercial, civil or mechanical. Policies may include additional benefits such as: Expediting expenses Mitigation costs Professional fees Removal of debris Variations and escalation And can be tailored to include other benefits such as: Off-site storage and transit to the full sum insured Tools Cover 9

10 Plant and Equipment cover Cover for existing structures Resultant damage from faulty design, workmanship and materials Vibration weakening or the removal of support NSW Home Warranty for Builders and Contractors A licensed builder* is required under the Home Building Act 1989 to obtain insurance cover under the HBCF for a residential building project where the value exceeds $20,000. The insurance should be in place before commencing work and before taking any money, including a deposit, under the building contract when contracting with a homeowner, owner-builder or developer. A licensed builder undertaking a speculative residential building project as the property owner is also required under the Act to obtain insurance cover for the project before commencing work. To obtain a Home Warranty certificate the builder or tradesman is required to apply for Eligibility. 'Eligibility' is the term used to describe the entitlement that a builder has to apply for a Certificate of Insurance for home building projects, and the conditions under which the Certificate of Insurance may be granted. A certificate of eligibility is not a certificate of insurance for a specific project. A certificate of eligibility means that a builder has been assessed by a HBCF approved Insurance Agent and has been granted the entitlement to apply for job/project-specific certificate of insurance. We can assist you with this process and manage your Home Warranty Eligibility for you. Give us a call to find out more. *References to builders and building work include and apply to work undertaken by trade contractors and other building contractors such as electricians, plumbers, carpenters, swimming pool builders etc. 10

11 Commercial Motor Insurance Cover can be obtained for your commercial vehicles, which may include the following additional benefits: Choice of repairer Repair guarantee Emergency travelling expenses Hire costs following theft of your vehicle Removal of debris following an accident Returning your vehicle after theft, loss or damage Signage Towing costs Trailer cover Hire car after an accident Cover can also be obtained for Fleet Vehicles and Heavy Motor Vehicles. 11

12 We also offer the following products to our Commercial Clients. This ensures we provide our clients with the full service. Home and Contents Cover Motor Vehicle Cover Landlord Insurance Pleasure Craft Contact Us Phone: (02) Fax: (02) /217 The Entrance Rd, The Entrance NSW Web: Find us on facebook 12