We can arrange a vast array of Insurances. The following below list will give you an idea of what we can handle but we are not limited to these.

Home & Contents Insurance
Home & Contents Insurance

Your home is your castle and your belongings are your treasures. But what’s a lifetime of belongings and memories worth?

Getting a home and contents insurance policy is essential for protecting your family and your lifestyle, but finding the right insurance solution can take time. The first step is to choose the type of home insurance you need. There are two types:

The next step is to determine how much contents insurance you need. Determining the value of your possessions can be a daunting task, but it’s an essential step towards getting the right home and contents insurance. This is where we step in. Gallagher can help you to determine the value of your contents and provide a specialist view on certain items that may require a particular level of cover. We can help you:

  • Total replacement cover. This includes all the costs to rebuild your home to the standard it was prior to a claim. Having total replacement cover reduces your chances of being underinsured.
  • Sum-insured cover. This is more common, and will cover you up to a set amount needed to repair or rebuild your home.
  • Create an inventory of your furniture, clothing, appliance and jewellery
  • Determine what type of contents policy you need, and if you need cover for accidental events
Professional Indemnity Insurance
Professional Indemnity Insurance

Amongst others, professional indemnity insurance covers the following:

  • Professional misconduct, including negligent and/or dishonest actions of employees
  • Copyright infringement and breach of the conditions set out in the Trade Practice Act
  • Breach of consumer, competition and fair trading
  • Breach of duty, including privacy infringement, confidentiality and other privacy related issues
  • Violation of intellectual property rights
  • Defamation, libel or slander - resulting in public relations and reputation management costs
  • Damages or loss of important documents
Cyber Liability Insurance
Cyber Liability Insurance

Along with the convenience of the digital age comes a significant risk to your business. Cybercrime is now one of the biggest risks faced by all Australian businesses, regardless of size. Increasingly sophisticated cyber criminals are able to exploit the vulnerabilities of your systems or networks to gain unauthorised access to data; to download malware; or to attack a computer or website causing it overload and stop operating (known as DoS or Denial of Service).

For your business this can mean the loss of data and systems, which could cost thousands of dollars to rebuild. On top of that there may be a loss of income associated with your servers or online systems being unavailable. The damage to your business’s reputation may also take a significant hit. As our reliance on technology increases, the incidence and cost associated with cyber breaches will also continue to grow.

Management Liability Insurance
Management Liability Insurance

Risks are inherent in all areas of business. Managers, directors and officers understand that they may on occasion find themselves the subject of a legal claim. Management liability insurance protects the company, the individual directors and its officers who undertake these vital roles within the business, insuring them against claims that may arise from within or external to the company. Claims that a director or officer believe to have no merit may still need to be defended.

We can tailor management liability insurance to your specific needs with the current organisational requirements a key consideration. As your company grows and evolves, our comprehensive management liability solution has the scope to evolve with it.

A tailored management liability solution could include cover for:

  • Claims of criminal behaviour or impropriety
  • Employment practices liability
  • Directors & Officers Liability
  • Statutory liability
  • Tax audit
  • Cyber Risks
Landlords Insurance
Landlords Insurance

Property ownership is generally perceived as a safe way to grow your financial well-being, and it’s not uncommon for a property to be listed on the rental market. Landlord insurance cover serves to mitigate the risks inherent with owning a rental property. Risks can be varied, but typically include property damage, loss of rent and tenant damage cover. We can tailor an insurance solution to protect your investment property.

Our landlord home insurance solution is designed to provide insurance cover against

  • Defined natural events
  • Accidental and malicious damage by tenants
  • Legal liability and loss of rent

Public & Products Liability Insurance
Public & Products Liability Insurance

If you or your staff have been negligent in the workplace and a third party (not an employee) is injured physically or psychologically, had their property damaged or suffered financial loss, they may sue you for money to compensate them for their injury or loss. Negligence may be established if it can be shown that your actions failed to demonstrate reasonable care for others. Of course, the claimant will need to evidence your negligence and their loss, and the claim may not be successful. You will, however, still need to defend against such claims.

Public liability insurance covers you for the financial loss you incur in legal costs and any amount payable in compensation when you are defending a claim of negligence made against you or your staff.

Product Liability insurance is usually included in your public liability policy and is essential if you sell, supply or deliver products to members of the public. If your goods are deemed to have caused loss or damage, then the policy comes into effect. Loss or damage can include injuries, death or economic loss caused by damage to, or destruction of another good, land, a building or a fixture. Again, having the correct product liability in place that enables you to manage insurable risks associated with design defects, manufacturing defects, inadequate labelling, or instructions or warnings is essential to the security of your business.

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