A MESSAGE FROM THE CHAIRMAN...

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1 insurane brokers A MESSAGE FROM THE CHAIRMAN A MESSAGE FROM THE CHAIRMAN Every single member of MKenzie Ross is part of a team, dediated to both our lients profession. Every single member of MKenzie Ross is part of a team, dediated to both our lients profession. Our business is to satisfy a wide range of insurane needs for you, our lients, in the orporate, ommerial, domesti, entertainment, life & risk rural market segments. Our business is to satisfy a wide range of insurane needs for you, our lients, in the orporate, ommerial, domesti, entertainment, life & risk rural market segments. In essene, our expertise adds value by reduing the omplexity of risk management by working with you losely mathing your requirements with the very best insurane over available. In essene, our expertise adds value by reduing the omplexity of risk management by working with you losely mathing your requirements with the very best insurane over available. MKenzie Ross strives for exellene beause like you, we expet it ourselves. MKenzie Ross strives for exellene beause like you, we expet it ourselves. We welome the opportunity to disuss our servies, with the aim of developing, long sting mutually mutually rewarding rewarding relationships. relationships. We welome the opportunity to disuss our servies, with the aim of developing, long sting Best Regards Best Regards Alister Payne Alister Payne 20 Years Strong y business y profession y risk Level 4, 501 LaTrobe Street Level 4, 501 LaTrobe Street Melbourne, Vitoria, AUST Melbourne, Vitoria, 3000 T: T: F: E: W: F: info@mkenzieross.om.au E: W:

2 insurane brokers Introdution insurane brokers Introdution Introdution MKenzie Ross was founded over twenty years ago, with a vision of insurane whih transends industry MKenzie Ross was founded over twenty years ago, with a vision of insurane whih transends stards, engages underwriters, delivers the best possible solution to our lients. industry stards, engages underwriters, delivers the best possible solution to our lients. MKenzie Ross utilises all the major underwriters operating in Australia works with speialist underwrit- MKenzie Ross utilises all the major underwriters operating in Australia works with speialist underwriting ing agenies MKenzie in agenies overseas Rossin was markets. overseas founded The over markets. ompany twenty years The is ago, CBD ompany with based a vision CBD of has insurane based a broad whih lient transends has base a broad industry throughout lient base throughout stards, engages underwriters, delivers the best possible solution to our lients. MKenzie Ross utilises all the major underwriters operating in Australia works with speialist underwriting Our lients vary vary enormously agenies enormously from in overseas from the markets. the loal The loal milk ompany milk bar to bar major is CBD to based major orporations. orporations. We have has a broad lient We vast base have experiene throughout vast experiene in entertainment insuranes insuranes inluding inluding liability liability ontingeny ontingeny overs. Within overs. our Within organisation our organisation we have we have speialty speialty divisions divisions in entertainment, entertainment, professional professional risks, building risks, trades building retail trades insurane retail shemes. insurane shemes. Our Through lients vary the enormously relationships from the with loal our milk underwriters bar to major orporations. we are able We have to provide vast experiene programs in for all Through the entertainment relationships insuranes with our inluding underwriters liability we ontingeny are able to overs. provide Within programs our organisation for all we general, have life risk general, life risk business. insurane business. speialty divisions in entertainment, professional risks, building trades retail insurane shemes. We underst Through that the relationships your business with our is underwriters your greatest we are asset able to provide aim programs to deliver for all the general, most life ost risk effetive insurane insurane solution business. to protet your interests. Our servie does not end when the business is written, but We extends underst most that importantly your business to assist is your in asset the management aim to deliver of a the laim. most ost effetive insurane solution to protet your interests. Our servie does not end when the business is written, but extends most impor- We underst that your business is your asset aim to deliver the most ost effetive insurane solution MKenzie tantly to assist Ross to protet in is the a your management member, in professional interests. Our servie a laim. sting, of both the National Insurane Brokers does not end when the business is written, but extends most importantly to assist in the management of a laim. Assoiation (NIBA) Insurane Brokers Network of Australia (IBNA) is able to draw on the signifiant resoures of these groups when required. MKenzie Ross is a member, in professional sting, of both the National Insurane Brokers Assoiation (NIBA) Insurane Brokers Network of Australia (IBNA) is able to draw on the signifiant resoures of these groups when required. MKenzie Ross is a member, in professional sting, of both the National Insurane Brokers Assoiation (NIBA) Insurane Brokers Network of Australia (IBNA) is able to draw on the signifiant resoures of these groups when required.

3 novative solutions. Commerial Property Commerial Property insurane brokers Commerial property is overed as part of a stard business pak or off Business Insurane speified perils, as well as burglary maliious damage. Commerial speified perils, property well is overed Introdutionas burglary as part of a stard maliious business damage. pak or offie insurane poliy. Commerial property is overed as part of a stard business pak or offie insurane poliy. Y vered as part of a stard business pak or offie insurane poliy. You are overed against fire burglary You are overed maliious against damage. fire speified perils, as well as the option of taking over for suh things as burglary, money maliious damage. Publi overs payouts, awards, legal fees other MKenzie Ross was founded Publi over expenses twenty years made ago, overs with against a vision payouts, of insurane by awards, a third whih party transends legal as fees a result industry of other a expens Publi stards, overs engages payouts, underwriters, awards, legal fees other expenses made against you by a third negligent delivers ation the best resulting possible solution in personal to our lients. injury or property damage party as a result of a negligent ation resulting in personal injury or party as a result MKenzie of Ross a negligent utilises all the ation major to their underwriters resulting property operating in aused personal in Australia by injury you or works or your property with business. speialist damage underwriting agenies or your in overseas business. markets. The ompany is CBD based has a broad lient base to their prope aused by you or your business. aused by you throughout Publi overs payouts, awards, legal f party as a result of a negligent ation resulting aused by you or your business. Industrial SR) Our Speial lients vary Risks enormously (ISR) from the loal milk bar to major orporations. We have vast experiene in Industrial Speial Risks (ISR) An Industrial entertainment Speial insuranes Risks inluding (ISR) poliy liability provides ontingeny additional overs. Within benefits our organisation over we have above (ISR) poliy provides additional benefits over above rane poliy overage. ISR poliies are ideal for larger th asset values generally in exess of $10 million An Industrial Speial Risks (ISR) poliy provides speialty divisions in entertainment, Risks (ISR) professional risks, building trades retail insurane shemes. the additional stard benefits Business over Insurane above the poliy stard overage. ISR poliies are ideal for larger Business Through Insurane the relationships poliy overage. with our underwriters poliies we are able to programs for all general, life risk An Industrial more omplex Speial risks with Risks asset (ISR) values poliy generally provides in exess of additional $10 million benefits over are ideal insurane for larger business. more omplex risks with the multiple asset stard values loations. generally Business exess Insurane of $10 million poliy overage. ISR poliies are ideal for multiple loations. We underst that your business is your asset aim to deliver the most ost effetive insurane solution more to protet omplex your interests. risks Our servie with does asset not end when values the business generally is written, but in extends exess most importantly Breakdown to assist in the management of a laim. of $10 million Mahinery multiple loations. Eletroni Generally, Equipment the Mahinery / Mahinery Breakdown Breakdown setion / poliy will provide over for breakdown of the mo Breakdown Mahinery setion MKenzie Breakdown / poliy Ross is will setion a member, provide / in poliy professional over will for provide sting, breakdown of over both the for of National breakdown the motors Insurane of in Brokers motors mahinery. Assoiation They an also eletroni extended (NIBA) equipment. to inlude Insurane onsequential They Brokers an Network also be loss, of extended Australia fire (IBNA) to perils, inlude is able aidental onsequential to draw on damage the signifiant loss, fire resoures theft. perils, quential loss, fire perils, aidental damage theft. aidental of these damage groups when theft. required. Mahinery Breakdown Motor Generally, the Mahinery Breakdown Motor Vehile Vehile Motor Vehile setion / poliy will provide over for Motor Motor Fleet insurane poliies (generally over 12 ars) provide overage for vehiles, drivers ompanies. extended to inlude onsequential loss, fire perils, aidental damage Motor Motor Fleet insurane poliies (generally over 12 Motor Motor Fleet insurane Motor fleet poliies poliies (generally an be over varied 12 or ars) altered provide to take overage into for veh aount drivers, more omplex ompanies. issues suh Motor as fleet the transportation poliies an be of varied o drivers, ompanies. Motor fleet poliies an be varied or altered to take into aount m hazardous omplex goods. issues suh as the transportation of hazardous go omplex issues suh as the transportation of hazardous goods. Motor Vehile Motor Motor Fleet insurane poli drivers, ompanies. Motor fleet po omplex issues suh as the transporta

4 insurane brokers Diretors Offiers Diretors Offiers Insurane is designed to protet the personal assets of diretors Introdution offiers by providing indemnity for loss arising from a laim as a result of a wrongful at ommitted by them in the ourse of performing their duties. Being sued an be a traumati expensive experiene an put your personal assets at risk. With the inreasingly litigious nature of our soiety, along with inreasing orporate governane regulatory MKenzie surveillane Ross was founded plaing over greater twenty pressure years ago, with on a ompany vision of insurane diretors whih transends offiers industry to perform metiulously, it is prudent to ensure that you have adequate over. stards, engages underwriters, delivers the best possible solution to our lients. insurane brokers Level 4, 501 LaTrobe Street Melbourne, Vitoria, 3000 W: E: info@mkenzieross.om.au MKenzie Ross utilises all the Professional major underwriters Indemnity operating in Australia works with speialist underwriting agenies in overseas Management markets. Professional The ompany Indemnity is CBD based provides has protetion a Insurane: broad lient against base throughout the professional Proteting advie being YOUR provided Reputation to a lient. If negligent & Assets advie is given to a Private lient ompanies whih results their in diretors a finanial ontinue loss to fae greater ompensation srutiny regarding is sought the as Our lients vary enormously from the loal milk bar to major orporations. We have vast experiene management a result professional their business. indemnity In the inreasingly, insurane litigious will over nature of legal today s expenses soiety, entertainment insuranes inluding there s always liability a risk ontingeny of litigation against overs. you Within or your organisation business from we regulators, have ustomers, damages lients, ompetitors awarded against even employees. the professional. speialty divisions in entertainment, professional risks, building trades retail insurane shemes. Through the relationships with Management our underwriters we has are been able designed to provide to programs protet the for assets all general, of life risk private ompanies their diretors from litigation arising from insurane business. the management of their business. Employment Praties Ations taken by employees against employers for employment Call Barry Long or your Aount Manager (03) Years Strong We underst that your business regarding related is your issues Management asset inluding aim to deliver but Insurane not the limited most requirements. ost to effetive alleged insurane disrimination, solution to protet your interests. Our unfair servie dismissal does not end when sexual the business or workplae is written, but harassment extends most are importantly Praties to assist in the management Insurane of a laim. is designed to assist employers redue the ost inreasing. Employment exposure will over legal expenses any award as a result of ation against the employer brought by an employee. MKenzie Ross is a member, in professional sting, of both the National Insurane Brokers Assoiation (NIBA) Insurane Brokers Network of Australia (IBNA) is able to draw on the signifiant resoures Information of these Tehnology groups when required. Like other professionals who provide advie /or servies of a skilful harater, IT onsultants an be liable for a mistake or failure that auses a third party to suffer a finanial loss. Information Tehnology Pakages are speifially designed to provide IT professionals with protetion against laims for damages that may be made against them as a result of their work. Due to the nature of the information tehnology setor IT poliies provide a ombined professional indemnity broadform liability pakage to over the grey area of what is a produt what is advie in provision of servies.

5 insurane brokers Tax Audit This poliy overs the professional osts assoiated with you or your Introdution ompany being audited by the Australian Taxation Offie. Business Interruption As a setion of a stard business poliy or setion 2 of an ISR poliy, this produt overs MKenzie onsequential Ross was founded loss over of profits twenty years expenses ago, with a vision as a result of insurane of a whih transends industry loss, under stards, the fire engages speified underwriters, perils setion delivers of the the best poliy. possible It solution an also to our be lients. extended to MKenzie inlude Ross extra utilises osts all as the a major result underwriters for example; operating reloation in Australia lease works of with speialist underwriting premises agenies in whilst overseas yours markets. is being The ompany repaired is CBD /or based rebuilt. has a broad lient base throughout a temporary Owners Corporation Insurane Our lients vary enormously from the loal milk bar to major orporations. We have vast experiene in Owners Corporation insurane an inlude over for material damage to building ommon entertainment insuranes inluding liability ontingeny overs. Within our organisation we have ontents, volunteer personal aident, offie bearers liability, mahinery, fidelity, legal liability for the speialty divisions in entertainment, professional risks, building trades retail insurane shemes. building ommon areas of a property. Through the relationships with our underwriters we are able to provide programs for all general, life risk insurane business. Transit, Marina & Ship Repairers Insurane Covering transits to from, as well as within Australia We underst that your business is your of asset argo aim to goods. deliver the Also most inluded ost effetive under insurane the Marine solution to protet your interests. Our servie does Insurane not end when banner the business are marina is written, operators, but extends ship most importantly to assist in the management of a laim. assoiated repairers liabilities. MKenzie Ross is a member, in professional sting, of both the National Insurane Brokers Assoiation (NIBA) Insurane Brokers Network of Australia (IBNA) is able to draw on the signifiant resoures of these groups when required. Pleasure Craft Commerial Hull Marine Insurane provides protetion for many aspets of marine-assoiated ativity, from jet-skis, ski-boats pleasure raft to ommerial harter vessels fishing trawlers.

6 insurane brokers insurane brokers Event Insurane Insurane Everyone Event Insurane who who is in is the in business the business of Events of Events Entertainment Entertainment knows the stress of knows soldiering the on stress after a of problem soldiering has arisen. on after If your a Everyone business problem omes has who is into arisen. the ontat If business with your of members business Events of the omes Entertainment publi, you into will ontat knows be glad the stress of with protetion members of soldiering against of on potential the publi, after a problem damages you has laims. will be arisen. If your glad of protetion against potential damages laims. business omes into ontat with members of the publi, you will be glad of protetion against potential damages laims. In many ases, ases, venues venues will now will require now you require to have your to own have Publi your own insurane Publi to over possible insurane injury to to a over member of the possible In publi.as many ases, a injury performer venues to or a will member promoter, now require you of may the you be to publi. have required your As to own a have performer Publi Canellation or promoter, insurane to you over protet may possible against be injury required weather, to a strikes, member to have power of the Canellation publi.as outages a performer illness. insurane to protet against weather, strikes, power outages illness. or promoter, you may be required to have Canellation insurane to protet against weather, strikes, power MKenzie outages illness. Ross has unparalleled experiene in providing solutions to your event insurane requirements. MKenzie Ross has The unparalleled depth of experiene knowledge in providing gathered solutions over to 30 your years event insurane of working requirements. in this partiular The depth of field, knowledge ombined MKenzie gathered over Ross with 30 has years strong unparalleled of working relationships experiene in this partiular in with providing event field, ombined solutions underwriters to with your strong event in relationships Australia insurane requirements. with event overseas underwriters The have depth in of made Australia knowledge MKenzie gathered overseas, over have Ross 30 made years the MKenzie of first working point Ross this of the partiular all first point for Australian field, of all ombined for Australian event with strong management event relationships insurane with event underwriters resoures. in Australia We overseas, have been have been involved made involved MKenzie all in sorts all Ross of sorts events the first of from events point jazz of all from fesitvals, for jazz Australian rok festivals, onerts, event rok management theatre onerts, produtions, insurane theatre winery resoures. produtions, onerts, ountry winery onerts, We festivals, have markets been ountry involved festivals, everything all sorts markets in of between. events from everything jazz fesitvals, in rok between. onerts, theatre produtions, winery onerts, ountry festivals, markets everything in between. Event Insurane Insurane Publi insurane is essential to indemnify against a Insurane Publi negligent at insurane the insured, is essential being to provide organisers, over against promoters, a member of produers, the publi artist managers, lighting & sound engineering businesses, venue Publi being hurt, or damaging insurane their is essential property, to whilst provide attending over against your event. a member of the publi owners/operators, against bodily injury or property damage from being hurt, or damaging their property, whilst attending your event. third parties (members of the publi, attendees or the like) Canellation Abonment Abonment Insurane Insurane Causes Canellation far beyond Abonment your ontrol Insurane an result in you having to anel your event, or postpone, interrupt or Causes reloate far beyond it. Meanwhile, your ontrol an airfares, result in you booking having fees, to anel hotel your aommodation event, or postpone, interrupt ( muh or reloate more!) it. Meanwhile, have already Causes airfares, far booking been beyond fees, paid your hotel for. ontrol aommodation Canellation an result in ( you insurane having muh more!) to anel have help your already protet event, been or against postpone, paid for. your interrupt potential or reloate losses, it. Meanwhile, even if you airfares, are booking a Not-for-Profit fees, hotel aommodation organisation. ( muh more!) have already been paid for. Canellation insurane an help protet against your potential losses, even when you are a Not-for-Profit organisation. Fireworks Canellation insurane Insurane an help protet against your potential losses, even when you are a Not-for-Profit organisation. MKenzie Ross provides Cover for Pyrotehnis displays within Australia worldwide. With aess to loal London underwriters our strong ommitment to the Pyrotehnis Industry, we are proving ourselves to be the first hoie of pyrotehniians. MKenzie Ross an help, no matter whether it is a one off festival, speial event or a major orporate launh. Up to date poliy wordings our very ompetitive priing has given us an edge over other insurane providers.

7 insurane insurane brokers brokers Life & Risk Insurane Life Insurane, Life & Risk Critial Insurane Illness/Trauma Cover Inome Protetion meet the finanial shortfalls Introdution that arise in the event of death, illness or aident. Ideally, these insuranes will simply maintain Life Insurane, Critial Illness/Trauma Cover Inome Protetion meet the finanial shortfalls a given that quality arise in the of event life of - be death, it personal, illness or aident. family Ideally, or business. these insuranes will simply maintain The need a givenfor quality adequate of life - be it personal, family insurane or business. is elementary but many of us either don t get around to it or mistakenly believe we have enough over. The need for adequate personal insurane is elementary but many of us either don t get around MKenzie Ross was founded over twenty years ago, with a vision of insurane whih transends industry to it or mistakenly believe we have enough over. stards, engages underwriters, delivers the best possible solution to our lients. MKenzie Ross utilises all the major underwriters operating in Australia works with speialist underwriting agenies in overseas markets. The ompany is CBD based has a broad lient base throughout Our lients vary enormously from the loal milk bar to major orporations. We have vast experiene in entertainment insuranes inluding liability ontingeny overs. Within our organisation we have speialty divisions in entertainment, professional risks, building trades retail insurane shemes. Critial Through Illness/Trauma the relationships Insurane: with our underwriters Life we are Insurane: able to provide programs for all general, life risk insurane business. Critial ThisIllness/Trauma a relatively new insurane Insurane: Death Life Total Insurane: & Permanent Disablement This is produt a relatively designed tonew over insurane medial produt Insurane Death is most oftentotal inluded & Permanent as a Disablement designed rises arising to We over underst from medial aidents that or your rises business arising your from asset omponent aim Insurane to ofdeliver superannuation. the is most Premiums ost often effetive inluded insurane as asolution aidents suddenor to illness. protet sudden your illness. interests. Our servie does not end alloated when omponent as the part business of a superannuation of is superannuation. written, but plan extends most Premiums importantly to risks assist in ardiovasular the management of disease, a laim. alloated as part of a superannuation plan are tax dedutible. The big three stroke The big aner three risks aount ardiovasular for the majority of all are tax dedutible. disease, stroke aner aount The average life over under super is trauma insurane MKenzie laims. Ross is a Stroke member, alone, in professional aounts sting, for the majority of all trauma insurane somewhere The of both between average the National $150,000 life over Insurane $250,000. under Brokers super Assoiation is for 25% of (NIBA) all hroni Insurane disability Brokers in Network of Australia (IBNA) A rule somewhere is able of thumb for how between to draw on muh death over $150,000 the signifiant we resoures $250,000. Medial laims. siene of Stroke these alone, is groups very aounts when good for required. at keeping us alive, need isa between rule of 10thumb 15 times for how our urrent muh death over we 25% of all hroni disability in but who pays the bills? salary need to ensure is an between adequate annual 10 family 15 times our urrent Medial siene is very good at keeping Trauma Insurane provides a lump sum on inome. salary The average to ensure mortgagean is now adequate annual family us alive, but who pays the bills? diagnosis to meet mortgage payments, $200,000, inome. whih along The with average a modest mortgage inome is now medial, family business needs. of $50,000 $200,000, per annum, whih would require along a lump with a modest inome Trauma Insurane provides a lump sum sum of of $1M. $50,000 per annum, would require a lump on diagnosis to meet mortgage sum of $1M. payments, medial, family business needs.

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