Products and
proposals
In this ever changing legislative environment, private companies need the comfort of a Management Liability policy written on a broad-form basis to ensure they are receiving the best possible protection to their business practices.
Specialist Underwriting Agencies Pty Ltd, in conjunction with Berkley Insurance Australia (ABN 53 126 559 706), has created a policy that will protect these Business Practices by combining four stand-alone Broadform products into a comprehensive Management Liability offering.
With very few occupational limitations, and limits of indemnity available up to $10,000,000, this product is suited to all privately owned companies with revenues up to $100,000,000.
Cover Includes
- Statutory Liability
- Employment Practices Liability
- Directors & Officers Liability
- Organisation Liability
Automatic Extensions
- Advance payment of legal costs
- Blanket Outside Directorships cover
- Continuity of Cover
- Extended Reporting Period
- Extradition costs
- Regulatory Audit costs
- Preservation of Indemnity
- Retirement of Employees
- Reputation Expenses
- Emergency Legal Costs
- Watching Brief costs
- Public Examination costs
OPTIONAL EXTENSIONS
- Fidelity & Crime;
- Taxation Audit;
- Joint Ventures.
SOME BENEFITS OF COVER
- Available for most occupations, including transport, construction and mining risks;
- No sub-limits for any sections;
- Automatically includes all Subsidiary Companies of the Named Organisation;
- Broad definition of Employee, including deemed employees and voluntary workers;
- Indemnity for investigation and defence occurs at the point of the Notifiable Incident (defined by statute);
- Includes cover for the negotiation of and costs for an Enforceable Undertaking (unless otherwise coverable);
- Includes cover for Restorative Project Orders expenses;
- Includes cover for prosecutions of Employees, Responsible Officers, Executives and the Entity;
- Employment Practices Liability includes actions brought by Labour Hire personnel and applicants for employment;
- Employment Practices Liability includes cover for actions brought regarding psychosocial hazards;
- Isolated Limit of Indemnity for Directors & Officers insurance.
Policy Snapshot
Limits available: $1m, $2m, $5m, $10m
Fines, Penalties & Inquiry Cover
Enforceable Undertakings
Restorative Project Orders
Broad range of occupations
Entity and individual cover
Contact
Wyn Le - NSW
Phone: 07 3624 9405
Email: wynl@sua.com.au
Lien Le - ACT
Phone: 07 3624 9410
Email: lienl@sua.com.au
Jacob Farmilo - VIC, WA, TAS & NT
Phone: 07 3624 9417
Mobile: 0404 902 522
Email: jacobf@sua.com.au
GAVIN PETTIT - QLD & SA
Phone: 07 3624 9415
Email: gavinp@sua.com.au
Proposal Forms
Quick Downloads
A policy designed for Listed entities, Government owned corporations, Partnerships and Sole traders, that provides the protection of a comprehensive Inquiry and Prosecutions (Statutory Liability) cover, and broad Employment Practices Liability plus the peace of mind of a Reputational Expenses extension as an optional extension.
COVER INCLUDES
- Statutory Liability
- Employment Practices Liability
AUTOMATIC EXTENSIONS
- Advance payment of legal costs
- Continuity of Cover
- Extended Reporting Period
- Extradition costs
- Regulatory Audit costs
- Preservation of Indemnity
- Retirement of Employees
- Reputation Expenses
- Emergency Legal Costs
- Watching Brief costs
- Public Examination costs
SOME BENEFITS OF COVER
- Available for most occupations, including transport, construction and mining risks;
- No sub-limits for any sections;
- Automatically includes all Subsidiary Companies of the Named Organisation;
- Broad definition of Employee, including deemed employees and voluntary workers;
- Indemnity for investigation and defence occurs at the point of the Notifiable Incident (defined by statute);
- Includes cover for the negotiation of and costs for an Enforceable Undertaking (unless otherwise coverable);
- Includes cover for Restorative Project Orders expenses;
- Includes cover for prosecutions of Employees, Responsible Officers, Executives and the Entity;
- Employment Practices Liability includes actions brought by Labour Hire personnel and applicants for employment;
- Employment Practices Liability includes cover for actions brought regarding psychosocial hazards.
Policy Snapshot
Modular; available as Stand Alone
All company types, including public & partnerships
Full cover for all Employees
Can include voluntary workers
Limits available: $1m, $2m, $5m
Auto Reinstatement available
Broadform cover
Monetary penalties and Enforceable Undertakings
Restorative Project Orders
Full Inquiry costs cover to policy limit
Employment practices
Reputational cover
Broad range of occupations
Contact
Wyn Le - NSW
Phone: 07 3624 9405
Email: wynl@sua.com.au
Lien Le - ACT
Phone: 07 3624 9410
Email: lienl@sua.com.au
Jacob farmilo - VIC, WA, TAS & NT
Phone: 07 3624 9417
Email: jacobf@sua.com.au
GAVIN PETTIT - QLD & SA
Phone: 07 3624 9415
Email: gavinp@sua.com.au
Ben Johnston-Bradford
(clients over $150m revenue)
Phone: 07 3624 9406
Email: benj@sua.com.au
Proposal Forms
Quick Downloads
At SUA, we are “Always Thinking” of our brokers & their clients’ needs. With a team of highly experienced & qualified underwriters and by utilising both Lloyds’ markets and APRA authorised insurers, we will enable you to provide a tailored solution that meets your client’s requirements.
OCCUPATION LISTING
- Civil Contractors
- Cleaners
- Construction
- Engineering
- Hospitality
- Import/Export
- Labour Hire
- Manufacturing
- Mining (above/underground)
- Property Owners
- Railways/Railway Work
- Scaffolding
- Security
- Shopping Centres
- Smallgoods
- Transport
- Wholesalers
And more…
Policy Snapshot
Authorised Insurers
Primary Liability
Excess Liability
Umbrella Liability
Quick Quote Turnaround
Flexible/Bespoke Wordings
Competitive Pricing
Broad Occupation Appetite
Contact
ROGER SMITH
Phone: 07 3624 9418
Email: rogers@sua.com.au
LIEN LE
Phone: 07 3624 9410
Email: lienl@sua.com.au
A follow form cover in excess of an individual policy or a sublimit under and ISR cover.
KEY POINTS OF INTEREST
- $2,000,000 capacity available
- Cover in excess of an individual policy or a sublimit under and ISR cover (follow form)
- Suggested minimum attachment point of $100,000
- Capacity to attach at $50,000 depending on occupation/risk details
- Larger capacities and high-risk occupations may be placed on referral
OPTIONAL EXTENSION
- Theft without forcible entry
- Theft of property in the open air
- Goods in trust or on commission
TIMEFRAMES
- 24-48 hour turnaround on referrable risks
- 45 day credit terms
Policy Snapshot
$2,000,000 capacity available
Cover in excess of an individual policy or a sublimit under an ISR cover (follow form)
Larger capacities and high risk occupations may be placed on referral
Contact
LIEN LE
Phone: 07 3624 9410
Email: lienl@sua.com.au
Are you concerned about your client’s exposure to Defamation, Public Humiliation, Infringement of Copyright or even Invasion of Privacy to name just a few? SUA’s Multimedia Policy offers comprehensive coverage for clients in numerous markets, with tailored coverage options as outlined below.
TARGET MARKETS
- Publishers – newspapers, magazines, newsletters, books & electronic publishers
- Broadcasters – Radio, TV, satellite radio, cable radio or broadband transmissions
- Advertising agencies and advertisers
- Celebrities – personal appearances
- Commercial Printers
- News Organisations
- Graphic Artists & Designers
- Website Developers
- Websites, Portals, Auction & Gaming Sites
- Marketing & Promotional Companies
- Online & Interactive Marketing
- Public Relations Firms
PERILS AND RISKS
- Defamation
- Public humiliation
- Infringement of copyright, plagiarism, piracy or misappropriation of ideas
- Invasion of privacy, public disclosure of private facts, intrusion & commercial appropriation of name or likeness
- Wrongful entry or eviction, trespass, eavesdropping or other invasion of the right of private occupancy
- Infringement of title, slogan, trademark, trade name, trade dress, service mark or service name
- Errors and omissions in “matter”
- Breach of professional duty
- Public & Products Liability
COMBINED WORDING INCLUDES
- Multimedia Liability (publication, production, broadcast, communication etc)
- Cyber Liability (On-line)
- Advertising Liability
- Professional Indemnity (Civil Liability)
- Loss of Documents ($500,000)
- Withdrawal Expenses ($100,000 – document withdrawal & destruction)
- Public & Products Liability
ADDITIONAL BENEFITS
- Costs Exclusive limits & excess
- Auto reinstatement of Multimedia Liability
- Extended reporting period
- Continuous Cover clause
- Vicarious Liability – consultants, contractors & agents
Optional Extensions
- Fidelity
- Predecessors in business
Value Propositions
- Claims handling
- Flexibility to customise coverage
- Worldwide jurisdiction optional
- Insured has the option to defend
- Insured has the option to appoint own legal representative
For more information please refer to the appropriate wording.
Policy Snapshot
Combined Wording
Worldwide Coverage available
Broad occupation appetite
Competitive pricing
Cyber Liability
Advertising Liability
Defamation
Infringement of Copyright
Insured can appoint own legal team
Contact
QUENTEN DAWSON - NSW & ACT
Mobile: 0422 376 157
Email: quentend@sua.com.au
Graeme Jensen - VIC, SA, WA & TAS
Mobile: 0418 389 173
Email: graemej@sua.com.au
Roger Smith - QLD & NT
Phone: 07 3624 9418
Email: rogers@sua.com.au
Proposal Forms
Quick Downloads
Are you concerned about your client’s exposure to Defamation, Public Humiliation, Infringement of Copyright or even Invasion of Privacy to name just a few? SUA’s Multimedia Policy offers comprehensive coverage for clients in numerous markets, with tailored coverage options as outlined below.
TARGET MARKETS
- Data Analytics, Data Migration
- Designers and Producers of IT Goods and IT Services
- Education & Training
- Hardware: Manufacturers / Installation / Support
- Internet Service Provision
- Software: Quality Assurance / Support / Maintenance
- System & Data Processing
- System: Analytics / Integration
- Telecommunications Consulting
- Website Design
- Application Development
- Cloud Storage Providers
- Facilities Management/ Outsourcing
- Web Hosting Services
We are unable consider:
Cryptocurrency, Blockchain, NFTs, Financial Live Trading Systems, Fin Tec, Wagering Sites, Payment Gateways, Social Media Platforms
COMBINED WORDING INCLUDES
- Business Injury (PI)
- Public & Products Liability
- Product Recall
- Cyber Event Costs (Optional)
- Computer System Rectification Costs
- Cyber Business Interruption
- Cyber Data Extortion
- Regulatory Defence and Penalties
- Forensic and Security Specialist Services
- Notification and Credit Monitoring Costs
ADDITIONAL BENEFITS
- Costs Exclusive limits & excess
- Auto reinstatement of Multimedia Liability
- Extended reporting period
- Continuous Cover clause
- Vicarious Liability – consultants, contractors & agents
KEY FEATURES
- Easy to read, combined wording
- Available limits
- Section 1: Up to $10,000,000 (PI)
- Section 2: Up to $20,000,000 (Public & Products Liability)
- Section 3: $250,000 (Product Recall Expense)
- Section 4: Up to $5,000,000 (Cyber Event Costs)
- Cyber Data Extortion sub-limit $100,000
EXTENSIONS
- Breach of Privacy
- Civil Misconduct
- Continuous Cover
- Contractual Liability
- Defamation
- Dishonesty
- Fit for purpose (Implied or Express)
- Intellectual Property Rights Infringement (includes patent)
- Join venture Cover
- Limitation of Liability
- Loss of Documents
- Misuse of Confidential Information
- Network Security (Data Breach, Security Breach and unintentional transmission of Virus)
- Vicarious Liability
- Costs of official Inquiries
- Court Appearance Costs
- Extended Reporting and Run-off Period
- Fidelity
- Loss Mitigation and Rectification
- Privacy
- Reputation Protection Expenses
- We can consider Jurisdictional / Territorial Worldwide cover including USA / Canada
For more information please refer to the appropriate wording.
Policy Snapshot
Combined Wording
Worldwide Coverage available
Broad occupation appetite
Competitive pricing
Cyber Liability
Contact
QUENTEN DAWSON - NSW & ACT
Mobile: 0422 376 157
Email: quentend@sua.com.au
Graeme Jensen - VIC, SA, WA & TAS
Mobile: 0418 389 173
Email: graemej@sua.com.au
Roger Smith - QLD & NT
Phone: 07 3624 9418
Email: rogers@sua.com.au
Comprehensive Professional Indemnity cover for a wide range of professions, protecting against claims arising from breaches of professional duty, civil liability, defamation, privacy, and intellectual property. With features like automatic reinstatement, continuous cover, and protection for contractors and consultants, this policy also includes cover for official inquiries, loss of documents, and reputation protection. Flexible and customisable, with optional Public & Products Liability (office risks only) and limits up to $10 million, all backed by responsive claims handling
TARGET MARKETS
- Arbitration / Mediator
- Archaeology
- Architects – Interior Design
- Draftsperson
- Associations (Incl NFP)
- Consultancy services
- Expert Witness
- Mercantile Agent
- Recruitment Agency
- Technical Writer
- Training & Education
- Translator / Interpreter
- Travel Agencies
- Agriculture / Forestry (incl Arborists)
- Bookkeeper
- Engineering - Environmental
- Engineering – Heating & Ventilation
- Farm Management & Advisory Services
- Laboratories
- Landscape Architects
- Marine Biologist
- Migration Agent
PERILS AND RISKS
- Breach of professional duty or civil liability
- Defamation
- Competition & Consumer Act
- Breach of Intellectual Property
- Breach of Privacy
WORDING INCLUDES
- Automatic Reinstatement
- Continuous Cover
- Competition & Consumer Act
- Contractors & Consultants
- Costs of Official Inquiries
- Privacy
ADDITIONAL BENEFITS
- Intellectual Property Rights
- Joint Ventures
- Loss of Documents
- Reputation Protection Expenses
OPTIONAL EXTENSIONS
- Public & Products Liability (Office risks only)
VALUE PROPOSITIONS
- Claims handling
- Flexibility to customise coverage
- Limits to $10m
For more information please refer to the appropriate wording.
Policy Snapshot
Broad occupation appetite
Competitive pricing
Defamation
Competition & Consumer Act
Cost of Official Inquiries
Contact
QUENTEN DAWSON - NSW & ACT
Mobile: 0422 376 157
Email: quentend@sua.com.au
Graeme Jensen - VIC, SA, WA & TAS
Mobile: 0418 389 173
Email: graemej@sua.com.au
Roger Smith - QLD & NT
Phone: 07 3624 9418
Email: rogers@sua.com.au
This product enables SMEs to pursue or defend their legal rights and have access to expert legal resources, which would otherwise be cost prohibitive.
Policy Coverage
- Disputes arising from sales or supply of goods and services
- Appeals against Workplace Health & Safety cease work orders
- Property Disputes
- Pursuit of past employees who are soliciting clients or employees (i.e. restrictive covenants)
- Appeals against suspension, revocation, imposed alteration of or refusal to renew a Statutory Operating Licence
- Data Protection disputes brought under the Privacy Act
- Tax Audit Costs where not otherwise insured (may be subject to an additional premium)
Policy Basis
- Underwritten on a “claims made” basis with an unlimited retroactive date
- Responds to claims where there are reasonable “prospects of success”
Exclusions
- Financial Contracts (credit, insurance etc.)
- Franchise Contracts
- Employment Contracts (other than for non-compete clauses)
- Prosecutions for criminal damage, violence, dishonesty or fraud
- Traffic offences
- Non-payment of rent
- Planning/building regulation disputes
- Tenancy renewals or property purchases
- Changes to statutory operating licensing requirements Driving licenses
Policy Snapshot
Limits available: $250k or $500K
Nil excess or co-insurance
Available for Australian domicile businesses only
Contact
Quenten Dawson
Phone: 02 7227 8191
Email: quentend@sua.com.au
Proposal Forms
Quick Downloads
An incident involving an individual or group of people actively engaged in killing or attempting to kill people using a deadly weapon at a location of the insured.
Policy Coverage
- Three Core Pillars
- Prevention Service
- Crisis Management Services
- Insurance cover to Indemnify losses
- Cover for a wide variety of weapons, not just firearms
- Crisis management services are activated if a weapon is just brandished as well as if actually used.
- Cover for liability when harm is caused by attacks using deadly weapons.
This is in addition to business interruption and property damage costs.
MORE THAN JUST FIREARMS INCIDENTS
Our policy covers incidents involving a wide variety of deadly
weapons, including:
- Any portable firearm (whether loaded or unloaded)
- Explosive device
- Knife
- Syringe
- Medical instrument
- Corrosive substance
- Any other handheld device or instrument which is used to deliberately cause death or bodily injury
- Any road vehicle that is occupied and used by an assailant to deliberately cause death or bodily injury
Other Policy Details
- Limits of Liability up to AU $ 40,000,000
- Minimum Deductible AU $15,000
- Minimum Premium AU $5,000
Policy Snapshot
Limits available up to $40,000,000 AU
Minimum Deductible $15,000
Minimum Premium $5,000+ charges
Contact
Peter Cross
Commercial Underwriting Agency Pty Ltd
Phone: 1300 971 588
Mobile: 0400 044 987
Email: peterc@sua.com.au
A product designed to provide cover for cleaning up of contamination that may not necessarily be sudden or accidental, including emergency costs. It also extends to personal injury and third party property damage as well as response costs for regulatory authorities.
COVER INCLUDES
- Personal Injury
- Property Damage
- Remediation & restoration
- Fees, costs and associated expenses arising from any pollution condition by any means, including gradual release.
AUTOMATICALLY INCLUDED
- Emergency Costs to mitigate or reduce any potential loss;
- Remediation & restoration for Asbestos and Lead Paint
MAY BE EXTENDED TO INCLUDED
- Underground tanks & pipes
- Insured contracts and additional insureds
- Known pollution conditions
Policy Snapshot
Limits of up to $10,000,000
Excess starts as low as $1,000
Contact
Roger Smith
Phone: 07 3624 9418
Email: rogers@sua.com.au
Tailored solutions for a broad range of occupancies and unoccupied premises. All handled personally
Risk Appetite
- EPS / Cold Storage
- Industrial Property
- General Warehousing
- Freight Forwarding
- Timber / Woodworkers
- Wine Manufacturing
- Meat Processing
- Pharmaceuticals
- Supermarkets
- Regional Pubs
- Commercial Farming
- Pulp & Paper
- Machine & Equipment
- Manufacturing
- Hardware & Supplies
- Printers
- Nurseries
- Offices / Retail
- Health
- Ship Building
- Museums
- Unoccupied Premises
Policy Snapshot
Capacity up to $20,000,000 AU
Minimum Deductible $2,500
Minimum Premium $5,000+ charges
ISR MKIV Wording
Lead or Follow
100% Capacity or Co-Insurance
Contact
Peter Cross
Commercial Underwriting Agency Pty Ltd
Phone: 1300 971 588
Mobile: 0400 044 987
Email: peterc@sua.com.au
Jing Cross
Commercial Underwriting Agency Pty Ltd
Phone: 1300 971 588
Email: jingc@sua.com.au
Mirabelle Underwriting Pty Ltd (ABN 93 627 823 910) is a Corporate Authorised Representative (AR No. 001284118) of Specialist Underwriting Agencies Pty Ltd (ABN 18 010 862 754 | ASFL 231104).
We look for solutions, not excuses. Whether you have a hard-to-place risk, a unique set-up or you’re simply looking for more flexible policy coverage or competitive pricing options, Mirabelle has got you covered.
What sets us apart? – all of our underwriters are qualified engineers or project managers. We bring firsthand construction knowledge to insurance and your clients.
Contract Works Material Damage and Liability
Material Damage Limit $50m
Legal Liability $20m
Total Construction Period 48 months
Single Projects and Annual Programs
100% Placements or Follow / Co-Line
Broad Appetite:
- Commercial Buildings
- Residential
- Infrastructure
- Earthworks
- Civils
- Manufacturing
- Bridges
- Power Generation
- Many others
Enquiries: construction@mirabelle.com.au
Renewable Energy
Contract Works
Extensions to include DSU (Delay in Start-up), First Year Operations, Machinery Breakdown and Legal Liability.
Operational Cover
Core Capabilities:
- Solar (Farms / Roof Top)
- Wind
- Battery Storage
- Hydrogen
- Carbon Capture
- Geothermal
- Biomass and Biofuel
Enquiries: renewables@mirabelle.com.au
Complex Placements
We have experience finding solutions for those projects that don’t fit in a box, such as complex civils, wet works, cyclone exposed, island locations, oil and gas, prototypical works and many more.
Policy Snapshot
Material Damage Limit $50m
Legal Liability $20m
Total Construction Period 48 months
Single Projects and Annual Programs
100% Placements or Follow / Co-Line
Contact
Peter Cross
BConMgt(Build)(Hons)
Senior Construction Underwriter
Mirabelle Underwriting Pty Ltd
Email: peter.cross@mirabelle.com.au
Expertise:
Project costs and scheduling
Contract Reviews
Construction Site Safety
Jerome Novak
BE(Hons) Civil, PGDipBus
Underwriter
Mirabelle Underwriting Pty Ltd
Email: jerome.novak@mirabelle.com.au
Expertise:
Civil engineering
Geotechnical Surveys and Reports
Max de Rohan
BEng Mech
Underwriter
Mirabelle Underwriting Pty Ltd
Email: max.derohan@mirabelle.com.au
Expertise:
Manufacturing and Erection
Testing and commissioning
Renewable Energy
Simon Garske
BEng Civil, CPEng
Director - Head of Construction
Mirabelle Underwriting Pty Ltd
Email: simon.garske@mirabelle.com.au
Expertise:
Structural and Civil Engineering
Delay in Start Up
Insurance structures
More Information:
www.mirabelle.com.au
Email us info@mirabelle.com.au
Call us (02) 4056 1460