AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

Nb This is not a Public Register - you must refer the info for updating

Homepage FAQ's HTP Library Product Register Product Directory

Note - For HTP (Hard to Place) Industries or Occupations … use the HTP link above to access the HTP library

INTRODUCTION of the "I/O RI” 1. This is a Cross Reference of Insurance Products by "Industry" or "Occupation". 2. "Industry" is broken into essential categories. 3. "Occupations" listings are added on request. 4. Each risk is a 1 Page summary with provision to current date and Clients Name, prior to Printing. 5. For checklist details of business Policy section refer to the link SME basic Pack Checklist (priority of risk and approx costs)

Instructions to complete and print – click here

DIRECTORY

INDEX:

Section 1 = ORI = occupation specific Section 2 = IRI = Industry specific

ORI = Occupation Risk Index 31/01/15 Auto (MV) Trades (P/L) Static/mobile

31/01/15 Builder – owner builder (one of risk)

31/01/15 Cartage Contractor (P/L) Static/mobile

31/01/15 Charter/Tour Services Static/mobile

31/01/15 Company Directors Static/mobile

31/01/15 Computer Information Technology (P/L) IT Static/mobile

31/01/15 Concrete / Granno worker - see Tradesmen

31/01/15 Contract Cleaner (P/L) Static/mobile

31/01/15 Earthmoving (P/L) Static/mobile

31/01/15 Engineer – Consulting (hands on) (P/L) Static/mobile

31/01/15 IT Industry – refer to listing on “Computer Industry”

31/01/15 Landlords – Commercial (P/L) Static/mobile

31/01/15 Marine Trades (P/L) Static/mobile

31/01/15 Mechanic - see auto (MV) Trades

31/01/15 Petcare Services (P/L) Static/mobile

31/01/15 Tradesmen – Domestic/residential (P/L) Static/mobile

31/01/15 Tourism Industry- see charter/tourism service

31/01/15

IRI = Industry Risk Index

31/01/15 Business P/L – Non Industry Related Static/mobile

31/01/15 Business P/L – Service Industry Static/mobile

31/01/15 Business P/L – Goods Sale Industry Static/mobile

31/01/15 Business P/L – Trades Industry Static/mobile

31/01/15 Business Body Corp / Clubs / Assoc Static/mobile

31/01/15 Domestic Wage / Salary Clients Static/mobile

Help on “Industry” type refer to RM of a policy – intended Industry, if the link fails click here to access via our website Help on “Entity” type refer to RM of a policy – Insured Entity” (insurable interest), if the link fails click here to access

via our website If a specific “Occupation” is not listed then a. Refer to the appropriate “Industry” category or b. Request the Risk Manager to create a listing for the desired “Occupation”.

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 BUSINESS NON INDUSRTY RELATED STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs

Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown) Spoilage Legalexpense Trade Debtors

BUSINESS RISKS MOBILE Min prem CPM (Contractors Plant & Machinery) - Unreg Mobile Plant $250 Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $400 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $450 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody Association Service Industry = (PI and D&O) Carrier - Transport Industry (Liability to the Cargo) Director & Officers - Office Bearers (personal assets exposed) Employment Practices – Employees Professional - Service Industry - Fee Income Advice/Representation Trustee - Statutory Fines - Breach of Laws (fines) Marine Transit – Cargo of Purchaser or Sender (if insured is carrier cover restricted to “silver”) Risk Management - Subbies work Agreements samples available and cover checklists Travel - Corporate Pack - Overseas, Interstate or Intrastate Vehicle – Registered Cars/Trucks/Trailers A] The Asset (vehicle) & it’s attached accessories

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers C] Downtime / Loss of Income for Commercial Primary Income Vehicles

Workers Compensation - [ ] Standard policy [ ] Mining Site Diseases 31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 BUSINESS P/L SERVICE INDUSTRY STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

[ ] BUSINESS RISKS MOBILE Min prem Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $400 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools used at and away from premises Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $450 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $650 Association Service Industry = (PI and D&O) $1500 Director & Officers - Office Bearers (personal assets exposed) $1500 Employment Practices – Employees $750 Professional - Service Industry - Fee Income Advice/Representation $1500 Trustee - $1500 Statutory Fines - Breach of Laws (fines) $1500 Marine Transit – Cargo (if insured is the carrier cover is restricted to “silver”) $550 Risk Management - Subbies [ ] Work Agreements samples available $per hour Travel - Corporate Pack - Overseas, Interstate or Intrastate $750 Vehicle – Registered Cars/Trucks/Trailers $600 A] The Asset (vehicle) & it’s attached accessories

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers C] Downtime / Loss of Income for Commercial Primary Income Vehicles

Workers Compensation - [ ] Standard policy [ ] Mining Site Diseases $ 400 31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 BUSINESS P/L GOODS SALE INDUSTRY STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

BUSINESS RISKS MOBILE Min prem CPM (Contractors Plant & Machinery) - Unreg Mobile Plant $350 Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $400 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $350 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $650 Goods Industry - “Treatment Risk” if applying product. included Director & Officers - Office Bearers (personal assets exposed) $1500 Employment Practices – Employees $750 Statutory Fines - Breach of Laws (fines) $1500 Marine Transit – Cargo of Purchaser or Sender (if insured is the carrier cover is restricted to “silver”) $500 Risk Management - Subbies [ ] Work Agreements samples available Travel - Corporate Pack - Overseas, Interstate or Intrastate $700 Vehicle – Registered Cars/Trucks/Trailers A] The Asset (vehicle) & it’s attached accessories

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers C] Downtime / Loss of Income for Commercial Primary Income Vehicles

Workers Compensation - [ ] Standard policy 3% to 5% [ ] Mining Site Diseases $350 SPECIAL NOTES:

Manufacturers – need to consider

Product Recall, Loss of Use, Contamination, Tampering, Extortion, Efficacy risk. Minimum premium $10,000 details available in our client product library… www.centralins.com.au see link to product options.

31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 BUSINESS P/L TRADE INDUSTRY STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

BUSINESS RISKS MOBILE Min prem Construction (The Works/construction value and site Liability) $850 CPM (Contractors Plant & Machinery) - Unreg Mobile Plan (owned or hired in) $150 Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $400 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $350 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $650 Goods Industry - “Treatment Risk” if applying product. included Director & Officers - Office Bearers (personal assets exposed) $1500 Employment Practices – Employees $750 Statutory Fines - Breach of Laws (fines) $1500 Marine Transit – Cargo of Purchaser or Sender (if insured is the carrier cover is restricted to “silver”) $500 Risk Management - Subbies [ ] Work Agreements samples available Travel - Corporate Pack - Overseas, Interstate or Intrastate $700 Vehicle – Registered Cars/Trucks/Trailers A] The Asset (vehicle) & it’s attached accessories

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers C] Downtime / Loss of Income for Commercial Primary Income Vehicles

Workers Compensation - [ ] Standard policy 3% to 8% [ ] Mining Site Diseases $350 SPECIAL NOTES:

Manufacturers – need to consider

Product Recall, Loss of Use, Contamination, Tampering, Extortion, Efficacy risk. Minimum premium $10,00 details available in our client product library.

31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 BUSINESS BODY CORPORATE/CLUBS/ASSOC STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

BUSINESS RISKS MOBILE Min prem Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $350 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $350 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $650

[3] If “sports” are involved add “Participation” extension ??? [4] If the club is “incorporated” add “member to Member “ extension

other Director & Officers - Office Bearers (personal assets are exposed) $750 Employment Practices – Employees Statutory Fines – Breach of Laws (fines)

Risk Management - Subbies [ ] Work Agreements samples available Vehicle – Registered Cars/Trucks/Trailers A] The Asset (vehicle) & it’s attached accessories

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers C] Downtime / Loss of Income for Commercial Primary Income Vehicles

Workers Compensation - [ ] Standard policy [ ] Mining Site Diseases Volunteer workers – exposure – excluded Workers Comp (No reward) so rely on Disability cover. Liability exposure – ensure such workers are included in definition of insured with Cross Liability

31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE

Date Clients Name 31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

Note – A standard Home Policy does not have any allowance to cover Commercial Activities in Respect to the Assets or Liabilities (most policies allow for an Office/Study only)

22/05/06 BUSINESS NON OCCUPATION RELATED STATIC/MOBILE [ ] BUSINESS PACK - 16 SECTIONS STATIC See SME Basic Checklist for costs [ ] Part A] Assets (your property) [ ] Part B] Legal Liability to others [ ] BUSINESS RISKS MOBILE [ ] Part A] Assets (your property) [ ] Various sections according to the "Industry" of the Insured. [ ] Part B] Legal Liability to others [ ] Various sections according to the "Industry" of the Insured.

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 AUTOMOBILE (P/L) TRADES STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs

Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

BUSINESS RISKS MOBILE Min prem CPM (Contractors Plant & Machinery) - Unreg Mobile Plant $250 Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $350 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $350 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $800 [4] Drivers Risk (Test Drive/Delivery) [5] TPO/Road Risk (Liability) $600 Director & Officers - Office Bearers (personal assets exposed) $1500 Employment Practices – Employees $750 Statutory Fines - Breach of Laws (fines) $1000 Marine Transit – Cargo of Purchaser or Sender (if insured is the carrier cover is restricted to “silver”) $650 Risk Management - Subbies [ ] Work Agreements samples available $n/a Travel - Corporate Pack - Overseas, Interstate or Intrastate $650 Vehicle – Registered Cars/Trucks/Trailers $350 A] The Asset (vehicle) & it’s attached accessories $200

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers $300 Workers Compensation - [ ] Standard policy 3% to 5% [ ] Mining Site Diseases $350

SPECIAL NOTES: CUSTOMER VEHICLES – STORAGE

CCC only covers whilst in care (storage) but not when being used (test-driven). CUSTOMER VEHICLES – DRIVER RISK

Customer's Vehicles can be Insured under a "Composite" (Part A] and B]) Policy or under a Public Liability (Drivers Risk Extension) only. A composite policy covers the Vehicle as well as Road Risk (3

rd party) Liability whereas the Drivers Risk extension under Public

Liability only covers Damage to the Customers Vehicle by your "Negligence" which may create goodwill problems for the customer. Further "Drivers Risk" extension may not include Road Risk (3

rd party) exposures ie. Damage to other Property when

you are test driving a customer’s vehicle (check the schedule of cover). FAULTY WORKMANSHIP

Policies do not cover that part of the work you have done, only the Resultant Damage to other property. The cost of rectifying your work ie, "warranty" is excluded unless expressly noted to be covered.

Property of the Clients, can be insured under 1. Asset Cover under ie., Fire and Perils or Burglary, and Composite whilst test driving Driven/Delivered, provided it is nominated and

sufficient sum Insured. 2. Liability Sections only such as CCC (Storage) and Drivers Risk. However the insurer will only respond for Losses caused by Legal

Liability of Negligence and not for Goodwill to the Customer. This is same principle as a “cartage” that has your cargo (see cartage in this directory). The correct architecture of civil matters is for the client to insure their goods and you to insure your liability.

31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 CHARTER/TOUR SERVICES (P/L) STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs

Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

[ ] BUSINESS RISKS MOBILE Min prem BOAT – [ ] Hull/Motor/Sales/Accessories $350 [ ] (P&I) Hull Liability - Food and Drink/Passenger/Aquaplaning $450 Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $350 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $400 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $750 [4] Participation if patrons are involved in Physical Recreational activities ???? [5] Vessels under 08mtrs (for Hull Liability) [6] other extensions Director & Officers - Office Bearers (personal assets exposed) $1200 Employment Practices – Employees $800 Statutory Fines - Breach of Laws (fines) $1000 Marine Transit – Cargo of Purchaser or Sender (if insured is the carrier cover is restricted to “silver”) $650 Risk Management - Subbies [ ] Work Agreements samples available Travel - Corporate Pack - Overseas, Interstate or Intrastate Vehicle – Registered Cars/Trucks/Trailers A] The Asset (vehicle) & it’s attached accessories

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers C] Downtime / Loss of Income for Commercial Primary Income Vehicles

Workers Compensation - [ ] Standard policy [ ] Mining Site Diseases $350 SPECIAL NOTES:

Liability: Boat/Vehicle Liability is attached to a Boat or Vehicle policy so it only applies if the damage/injury physically is caused by the Boat/Vehicle (there are some exceptions).

You will need a General Public Liability policy when the Patrons are not in the Boat/Vehicle. Liability – Duty of care.

The legal obligation is proportionate to the degree of hazard of the event and the degree of control you have over the activity ie., a booking agent is not as obligated as the host of the activity.

A specific service carries more obligation than a general service ie., a tour/charter driver as opposed to a taxi. The tour operator would have more knowledge of and about the dangers of a specific location or activity than a general service.

Should have patrons sign a waiver of liability disclaimer form (we have samples available) 31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 Builder – Owner Builder (one off risk) STATIC/MOBILE

Date Clients Name

Min prem Construction or Contract works Insurance. Policy comprises two (2) essential parts

a) The asset – the value of the construction, against material loss or damage $650 The sum insured should be the independent value of replacement, Also consider

Removal of Debris, Expediting costs, Professional Costs, Cost Escalations, Existing buildings, Plant and Equipment etc., and further as per the proposal.

b) Public Liability – to 3rd parties in connection with the risk of construction. $750 Builders Indemnity – for registered builders only (to ensure financial capacity to complete the construction) Home warranty – to warrant the structural performance (required if selling within 7 years of construction). CPM (Contractors Plant & Machinery) - Unreg Mobile Plant $ 150 Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $350 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $450 Marine Transit – Materials transported including storage off site Workers Compensation - [ ] Standard policy [ ] Mining Site Diseases The policy should be affected to address the constant exposure of “Allegation cover”

Other comments Most policies are offered on 12 mth period so start cover now, in case people are the site before works actually

begin. Most insurers will not consider the risk if the works have already commenced.

Why… Their concern is that there may already be damage. If you are renovating you need to make provision for existing buildings as it MAY NOT be protected by a standard home policy.

If you are an Owner Builder the Liability section of this policy will not respond if you damage your existing property! (Liability is to 3rd parties). PREMIUM COSTS: The following is a “cut n paste” as at: 00-02-04 from our client product library on this topic. The premiums are shown. Note – the hyperlinks do not work, you will need to access the live version of the document on our website www.centralins.com.au

31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 CARTAGE CONTRACTORS (P/L) STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

BUSINESS RISKS MOBILE Min prem CPM (Contractors Plant & Machinery) - Unreg Mobile Plant $250 Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $350 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $400 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody (other than Cargo) $650 [ ] Extensions: [ ] MV T/Trade for Regt Vehicles if required (tipper/crane) NB: "CCC" not available for Cargo - need a separate Policy Association Service Industry = (PI and D&O) $1200 Carrier – Transport Industry (Liability to the Cargo) ) $ 750 Director & Officers - Office Bearers (personal assets exposed) $ 1000 Employment Practices – Employees) $ 1000 Statutory Fines – Breach of Laws (fines) Marine Transit – Cargo of Purchaser or Sender (if insured is the carrier cover is restricted to “silver”) $650 Risk Management - Subbies [ ] Work Agreements (samples available) [ ] Driver Decs [ ] Liability exposures Travel - Corporate Pack – Overseas, Interstate or Intrastate $700 Vehicle – Registered Cars/Trucks/Trailers A] The Asset (vehicle) & it’s attached accessories

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods [ ] Non Owned Trailers [ ] MV Regt “tool of trade” if tipper or crane etc., C] Downtime / Loss of Income for Commercial Primary Income Vehicles

Workers Compensation - [ ] Standard policy 3% to 5% [ ] Mining Site Diseases $350 SPECIAL NOTES: 1. Customers Goods are not covered under the "CCC” extension of a Public Liability policy. Why? because there is a dedicated policy

for Cargo, the risk is to be secured under "Carriers Liability" or “carriers Cargo” policy. Note:- “Carriers Liability” only covers loss/damage through your "Negligence" if you are legally Liable. The insurer will expect you

to operate with a consignment note” (this liability disclaimer forewarns the client that you deny liability). “Carriers Cargo” policy only covers loss/damage through defined events (usually restricted to “silver” = defined events). The Liability is cheaper but only for negligence so it may create a goodwill problem to your client so consider a “cargo” policy… but then again shouldn’t the client be insuring their own goods? The purchaser or seller can arranger their own “Gold” level cover (you should have Liability cover in case the clients insurer

tries to recover against you. This is same principle as a “Garage” that has your vehicle for repairs (see auto trade in this directory). The correct architecture of civil matters is for the client to insure their goods and you to insure your liability.

2. MV Road Risk Liability – Non Owned Trailer Liability. A serious exposure. If the insurer of the trailer can demonstrate Damage attributed by your Negligence they will subrogate (attempt to recover from you). Some Insurers offer Composite cover – chec ktheri wording

3. A Public Liability exposure is separate and distinct from the 3rd party Liability included in a Motor a Vehicle policy. The 3

rd party

Liability attached to the Vehicle policy covers damage caused by the truck. The General Liability policy covers all other aspects of your business other than those involving the truck.

31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 CO DIRECTORS STATIC/MOBILE

Date Clients Name

[ ] BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs

[ ] Check list against the various sections if a Static Risk (Office exists). BUSINESS RISKS MOBILE

Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $350 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $400 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $650 Carrier - Transport Industry (Liability for the Cargo) $650 Director & Officers - Office Bearers (personal assets exposed) $1000 Employment Practices – Employees $750 Professional - Service Industry - Fee Income Advice/Representation $1500 Other [ ] Prospectus [ ] Trustee [ ] Kidnap, Ranson & Extortion [ ] Native Title [ ] Take Over [ ] Crime [ ] Legal Expenses [ ] Product Tampering [ ] Statutory Fines Marine Transit – Cargo of Purchaser or Sender (if insured is the carrier cover is restricted to “silver”) $500 Risk Management - Subbies [ ] Work Agreements samples available Travel - Corporate Pack - Overseas, Interstate or Intrastate $750 Vehicle – Registered Cars/Trucks/Trailers A] The Asset (vehicle) & it’s attached accessories

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers

Workers Compensation - [ ] Standard policy 1% to 2% [ ] Mining Site Diseases $350

31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 COMPUTER INFORMATION TECHNOLOGY (P/L) STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

BUSINESS RISKS MOBILE Min prem Chargeback (Fraudulent use of Credit cards against your website products disbatch) Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $350 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $400 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $700

[1,2,3] are all inclusive in an "IT&T" policy Director & Officers - Office Bearers (personal assets exposed) $1000

IT&T (Information Technology & Telecommunications $1000 Employment Practices – Employees $750 Statutory Fines - Breach of Laws (fines) $1000 Marine Transit – Cargo of Purchaser or Sender (if insured is the carrier cover is restricted to “silver”) $650 Network Protection – Data loss including Cons loss of Income from “Hackers/Viruses/Extortion” etc., Risk Management - Subbies [ ] Work Agreements samples available Travel - Corporate Pack – Overseas, Interstate or Intrastate $750 Vehicle – Registered Cars/Trucks/Trailers from 1.5% to 3% A] The Asset (vehicle) & it’s attached accessories

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers C] Downtime / Loss of Income for Commercial Primary Income Vehicles

Workers Compensation - [ ] Standard policy 1.5% to 3% [ ] Mining Site Diseases $350 SPECIAL NOTES: NB: A Liability "IT" policy will generally incorporate "Public" Products" and "Professional" Liabilities into

one (1) policy. The courts have returned a variety if different interoperations of "IT" losses and it is not known if existing stand alone "Public" or "PI" policies cover the gaps and therefore it is prudent to take the new "hybrid" policy to address the fast changing Technology market.

31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 CONTRACT CLEANER (P/L) STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

BUSINESS RISKS MOBILE Min prem CPM (Contractors Plant & Machinery) - Unreg Mobile Plant $250 Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $350 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $400 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $800

[ ] Extensions: [ ] Loss/Miss use of Keys

Director & Officers - Office Bearers (personal assets exposed) $1000 Employment Practices – Employees $ 800 Statutory Fines - Breach of Laws (fines) $1000 Marine Transit – Cargo of Purchaser or Sender (if insured is the carrier cover is restricted to “silver”) $650 Risk Management - Subbies [ ] Work Agreements samples available Travel - Corporate Pack – Overseas, Interstate or Intrastate $700 Vehicle – Registered Cars/Trucks/Trailers from 1.5% to 3% A] The Asset (vehicle) & it’s attached accessories

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers C] Downtime / Loss of Income for Commercial Primary Income Vehicles

Workers Compensation - [ ] Standard policy 2% to 6% [ ] Mining Site Diseases $350 31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 EARTHMOVING (P/L) STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

BUSINESS RISKS MOBILE Min prem CPM (Contractors Plant & Machinery) - Unreg Mobile Plant $250 Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $350 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $400 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $800 [ ] Extensions: [ ] U/Ground Works [ ] Unreg Vehicles [ ] MV T/Trade for Regt Vehicles $300 [ ] Blasting, large scale demolition, weakening/removing supports $various Director & Officers - Office Bearers (personal assets exposed) $1500 Employment Practices – Employees $750 Statutory Fines - Breach of Laws (fines) $1000 Marine Transit – Cargo of Purchaser or Sender (if insured is the carrier cover is restricted to “silver”) $650 Risk Management - Subbies [ ] Work Agreements samples available $n/a Travel - Corporate Pack - Overseas, Interstate or Intrastate $650 Vehicle – Registered Cars/Trucks/Trailers from 1.5% to 3% $350 A] The Asset (vehicle) & it’s attached accessories $200 We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers $300 [ ]MV Regt “tool of trade” if tipper or crane etc., Workers Compensation - [ ] Standard policy 3% [ ] Mining Site Diseases $350 SPECIAL NOTES:

1. Public Liability – Special extensions to standard covered required,, refer to the checklist above.

2. “C.C.C.” = goods in your Custody, Care, Control … 1. Cargo 2. Non owned Trailers under listing on “Cartage”. Please be cautioned – any 3

rd property (in your legal care/custody/control) is not covered under Liability

without a special “CCC” extension. If you operate/use 3party plant the insurer will subrogate back against you for damage – be warned.

3. Mine site work – special W.Comp cover required.

31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 Engineer - Consulting and Hands on P/L STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

BUSINESS RISKS MOBILE Min prem CPM (Contractors Plant & Machinery) - Unreg Mobile Plant $250 Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $350 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $400 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $650 [ ] Extensions: [ ] U/Ground Works [ ] MV T/Trade [ ] Unreg Vehicles Carrier - Transport Industry (Liability to the Cargo) $750 Director & Officers - Office Bearers (personal assets exposed) $1000 Employment Practices – Employees $750 Professional - Service Industry - Fee Income Advice/Representation $1500 Statutory Fines - Breach of Laws (fines) $750 Marine Transit – Cargo of Purchaser or Sender (if insured is the carrier cover is restricted to “silver”) $650 Risk Management - Subbies [ ] Work Agreements samples available Travel - Corporate Pack – Overseas, Interstate or Intrastate $750 Vehicle – Registered Cars/Trucks/Trailers fro 1.5% to 3% A] The Asset (vehicle) & it’s attached accessories

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers

Workers Compensation - [ ] Standard policy 2% to 5% [ ] Mining Site Diseases $350

31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 LANDLORDS - COMMERCIAL (P/L) STATIC

Date Clients Name

BUSINESS PACK – 16 SECTIONS

FIRE & PERILS Buildings and fixed improvements Landlords Contents (non fixed items) ACCIDENTAL DAMAGE Undefined Fire & Perils damage CONSEQU LOSS Loss of Gross Rents including outgoings BURGLARY Landlords Fittings to building (items stolen from the outside) and Damage by Burglars as an attempt or result of burglary.

Many insurers will not cover Malicious damage by Burglars under the Fire & Perils section - so be warned

FIXED GLASS If not covered by the tenant PUBLIC LIABILITY Property Owners NB: this is separate to the Liability policy to the tenant’s occupation Liability policy MOTORS/ELECTRONIC Airconditioning, Elevators, Lifts, Doors etc., NOTE: If a STRATA Risk 1. The risk is governed by a Specific statute of Law (Strata Titles Act) therefore it must be insured under a

Strata Policy which is created to coincide with the characteristics of the Strata legislation. Note - Strata Policies will not cover Landlords Property, a separate Policy is required. Our CIB Landlord’s Ins brochure offers a more detailed explanation per section

BUSINESS RISKS MOBILE Min prem CPM (Contractors Plant & Machinery) - Unreg Mobile Plant Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical

GENERAL PROPERTY- Tools Perils = [ ] Fire & Perils [ ] Accidental Damage (optional) [ ] Burglary [ ] MV Transit Collision

LIABILITY DIRECTOR & OFFICERS - Office Bearers (personal assets exposed) LIABILITY EMPLOYMENT PRACTICES - Employees LIABILITY TRUSTEE LIABILITY STATUTORY FINES - Breach of Laws TRAVEL CORPORATE PACK Overseas, Interstate or Intrastate VEHICLE Registered Cars/Trucks/Trailers A] The Asset

B] It's Liability [ ] Road Risk. [ ] Hazardous Goods, [ ] Non Owned Trailers WORKERS COMP – Standard policy for Casuals/Caretakers

31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

We have a 1 page Product Brochure Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

3101/15 MARINE TRADES (P/L) STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs

Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

BUSINESS RISKS MOBILE Min prem Builders Boat Risk - To cover the Asset (Boat) under Construction, also Liability from the Works. $2500 CPM (Contractors Plant & Machinery) - Unreg Mobile Plant $250 Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $350 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $400 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $650 Director & Officers - Office Bearers (personal assets exposed) $2000 Employment Practices – Employees $750 Professional - Service Industry - Fee Income Advice/Representation $2000 Ship Repairers (see below for explanation) $2000 Skippers Liability policy (when acting as a skipper – in control of a vessel) $1000 Statutory Fines - Breach of Laws (fines) $1000 Marine Transit – Cargo of Purchaser or Sender (if insured is the carrier cover is restricted to “silver”) $650 Risk Management - Subbies [ ] Work Agreements samples available $n/a Travel - Corporate Pack - Overseas, Interstate or Intrastate $650 Vehicle – Registered Cars/Trucks/Trailers $250 1.5% to 3% A] The Asset (vehicle) & it’s attached accessories

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers

Workers Compensation - [ ] Standard policy 2% to 5% [ ] Mining Site Diseases $350

SPECIAL NOTES: 1. A Public Liability policy is not designed to cover watercraft use/activities. It’s limited to 5 to 8 mtrs, thereafter

restrictions apply (legal control, possession, use). It’s not as dynamic as cover under a ship repairers policy (specially designed to address exposures of Maritime Laws) see next notation. The decision to have more covers is a balance of economical and the extensive nature of your work ie., commercial structural work of vessel.

2. "Ship Repairers" Liability is only for "Boat work", where your work effects the structural / mechanics of the vessel (ability to float) you also need to continue with a "General Public" Liability policy to address the "General (land) and Administration” activities of the business.

3. "Boat Builders Risk" is used to insure the Vessel during construction and Trialing including Liability from the activity (similar to a Land Based Construction Policy). For more information refer to our “Client product Library” (website) or call to discuss.

Note – we have a special FAQ listing on this topic in our Public Liability faq’s “Marine Tradespeople what is proper cover” 31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 PET CARE Services (P/L) STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs

Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

BUSINESS RISKS MOBILE Min prem CPM (Contractors Plant & Machinery) - Unreg Mobile Plant $250 Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $350 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $400 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $750 [ ] + Extensions: [ ] Treatment Director & Officers - Office Bearers (personal assets exposed) $1200 Employment Practices – Employees $750 Statutory Fines - Breach of Laws (fines) 1000 Marine Transit – Cargo of Purchaser or Sender (if insured is the carrier cover is restricted to “silver”) $650 Risk Management - Subbies [ ] Work Agreements samples available Travel - Corporate Pack - Overseas, Interstate or Intrastate $700 Vehicle – Registered Cars/Trucks/Trailers 1.5% to 3% A] The Asset (vehicle) & it’s attached accessories

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers

Workers Compensation - [ ] Standard policy 2% to 4% [ ] Mining Site Diseases $350 SPECIAL NOTES: The Courts do not consider "Animals" to be "Goods" therefore the "CCC" extension can fail so the

insurer may not cover the exposure. This issue needs to be ratified. 31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

31/01/15 TRADESMAN - DOMESTIC/RESIDENTIAL (P/L) STATIC/MOBILE

Date Clients Name

BUSINESS PACK – 16 SECTIONS STATIC See SME Basic Checklist for costs

Fire & Perils Accidental Damage Consequential Loss of Income Burglary Money Fixed Glass Public Liability Fidelity Motors (Mechanical/electronic Breakdown Spoilage Legalexpense Trade Debtors

BUSINESS RISKS MOBILE Min prem Construction (The Works/construction value and site Liability) $850 CPM (Contractors Plant & Machinery) - Unreg Mobile Plant $250 Disability (If Director opted out of W.Comp or If Self Employed or Wages Gap/top up cover) $350 [ ] Accident (external) [ ] Capital/lump sum (Life/TPD) [ ] Illness (internal) No medical General Property – Tools Perils = Fire & Perils, Accidental Damage (optional), Burglary (not theft), MV Transit Collision $400 Liability [1] Public [2] Products [3] "CCC" - Goods in Custody $750 [ ] Extensions: [ ] U/Ground Works [ ] Unreg Vehicles [ ] MV T/Trade for Regt Vehicles $300 Director & Officers - Office Bearers (personal assets exposed) $150 Employment Practices – Employees $750 Statutory Fines - Breach of Laws (fines) $1000 Marine Transit – Cargo of Purchaser or Sender (if insured is the carrier cover is restricted to “silver”) $650 Risk Management - Subbies [ ] Work Agreements samples available $n/a Travel - Corporate Pack - Overseas, Interstate or Intrastate $650 Vehicle – Registered Cars/Trucks/Trailers from 1.55 to 3% $250 A] The Asset (vehicle) & it’s attached accessories $200

We have rates listed on our website ”Client Product Library” B] Liability to others [ ] Road Risk [ ] Hazardous Goods, [ ] Non Owned Trailers $250 Workers Compensation - [ ] Standard policy 3% to 5% [ ] Mining Site Diseases $350

31/01/15 DOMESTIC WAGE/SALARY CLIENTS STATIC/MOBILE Min prem

DOMESTIC RISKS Boat - Hull/Motor/Sails/Accessories Liability for Hull/Aquaplaning/Passenger/Food and Drink $350 Caravan - Mobile or Fixed site - Van, Annex, Contents $300 Disability – Work and Private or Leisure time only (Accident/Lump Sum/Illness) $350 Home Pack Building/s Contents Multi Risks Specified Unspecified $400 Motor Vehicle - Cars/Trailers $550 Workers Compensation - Domestic Workers only $300 Health Insurance - Private for extra benefits Life/Trauma, Superannuation

INDEX: A=ACTIVE C=CONCERN N=N/A Q=QUOTED Y=YOU CONTROL

Additional Notes:

Return to Directory

AFSL: 241187

Title: Industry/Occupation Risk Index Purpose: Summary Checklist of policies

The list is by no means exhaustive, it concentrates on risks we perceive as important to this Industry/Occupation.

A proper review involves information in our client Manual on “communications with us” and full “Product Directory”

Topics to reconcile Level of Cover? Gold / Silver or Bronze? Type of Settlement? Replacement or Indemnity (market value) have we used the same decision process on this topic? Budgets constraints/type of Cover/Risk Management Any other Entities? Y/N Any other activities, do they differ from the norm? Y/N Client to Keep or Sign and return x………………………………. [ ] Client Card Updated

Operator Instructions for completing and printing: 1. Use the "Hyperlink" to select the Industry or Occupation from the Directory and you will be taken to that 1 Page listing

2. Printing - This document contains multiple pages therefore you must override the standard print option: Select… Print, then override the options by selecting Page Range = Current"

What’s the difference between IRI/ORI and the SME Basic checklist?

IRI identifies all/more covers applicable but has less or no priority and does not define elements of cover – perhaps it is better for larger business or those clients with more focus on the need for insurance.

and ORI identifies covers for the specific Occupation and includes special comments.

whereas

SME basic Checklist only covers the basic covers but identifies priority of covers and critical elements of the covers