Commercial & Liability Insurance

Herbert Insurance Group conducts business with all major insurers in Australia. We identify, source and arrange insurance programmes that provide comprehensive protection over building, plant and stock assets, business interruption and motor vehicles. These include:

Business Packages
Business Interruption
Money
General Property
Property Owners Insurance (including Rent Default)
Theft
Glass
Public & Products Liability
Personal Accident & Sickness
Employee Dishonesty
Computer Electronic Equipment
Machinery Breakdown
Transit
Portable equipment
Material Damage (buildings/plant/stock)
Business Interruption (loss of profits/additional increased costs/claims costs/loss of rents)
Machinery Breakdown and Machinery Breakdown Business Interruption
Fidelity Guarantee (theft/misappropriation by staff)
Money
Motor Vehicle (individual vehicles and fleets)
Contract Works
Electronic equipment (Computer hardware and software)
Expatriate Care
Hospitality
Hotels
Film Producers' Indemnity (including Shorts Films, Commercials, Documentaries, Feature Films, Miscellaneous Equipment, Public Liability, Weather and Errors & Omissions)

Policy benefits and entitlements:

Cover for all medical expenses up to 12 months after the accident, illness or treatment
24 hour emergency assistance with Customer Care
Cover for routine dental, optical and medical expenses up to the policy limit
Pre and post natal care costs

Coverage sections of the Policy:

Medical Expenses
Emergency Medical Evacuation and other Additional Expenses
Repatriation of Mortal Remains
Personal Injury
Personal Liability
Kidnap and Ransom
Political Evacuation
Optional business travel cover for travel outside country of residence

In addition, we work with you to ensure that your liability exposures are identified and protected with insurances to cover:

Charterers Legal Liability

This covers your legal liability to the owner of a chartered vessel and/or to third parties arising out of the signing of a charter party agreement.

Directors' and Officers' Liability/Company Reimbursement

This covers Directors' or Officers' for their legal liability for wrongful acts committed whilst acting in their capacity as a Director/Officer.

Economic Loss

This covers liability to third parties for financial loss arising from personal injury or property damage. Limited cover can be purchased in various forms including product guarantee and professional indemnity insurance.

Employment Practices Liability

This covers legal liability to pay arising out of a claim for discrimination against any employee, unfair dismissal or workplace harassment.

Employers and Statutory Liability

Environmental Impaired (EIL)

This covers legal liability for personal injury or property damage caused by non-sudden or long-term pollution. This policy can also cover you or your Company for legal costs and the costs of removing, rendering harmless or cleaning up of any substance, which has caused or would cause environmental damage.

Libel and Slander/Defamation

This indemnifies you against claims for libel and slander by any person provided that such claims arise out of your occupation and/or your conduct.

Products Liability

This covers legal liability for bodily injury and damage to property caused by any products sold or supplied by you or your company.

Products Performance Guarantee

This covers legal liability either at law or under guarantee to repair or replace defective products made sold or distributed by you or your company.

Products Protection (Malicious product tamper/contamination)

This covers the costs and loss of net profit where products are withdrawn or destroyed due to active or alleged contamination or malicious tamper so as to render the product unfit or dangerous for use.

Product Recall

This covers legal liability for all costs, expenses and damages for withdrawal or recall of goods or products because of any known or suspected defect or deficiency therein.

Professional Indemnity/Errors and Omissions

This covers legal liability to compensate third parties for loss sustained by them arising out of negligent acts, errors or omissions on the part of you or your company in the conduct of your business.

Protection and Indemnity

Your liability for bodily injury and/or damage to property occurring in connection with your business.

Public Liability

This covers legal liability for bodily injury and/or damage to property occurring in connection with your business.

Taxation and Audit Expenses

This covers Professional fees charged by an accountant in connection with a Tax or other Government audit, including costs in obtaining expert advice.

Trustees Liability

Umbrella (Difference in Conditions) Liability

This provides similar cover to Public / Products Liability except that cover is expanded to extend over underlaying motor vehicle, workers compensation liability and other liability policies as agreed.

Workers Compensation (ex. Queensland)

This covers legal liability under the respective State / Territory Acts and at common law for injury sustained by employees in the course of their employment.

Specialist Markets

Herbert Insurance Group is also able to arrange insurance at Lloyd's of London and has access to specialist markets for many lines of business, including:

Aviation Insurance
Bonds
Consumer Credit
Credit
Event cancellation
Prize Indemnity

For all your enquiries please contact:

Tony Christian
e: tonyc@herbertinsurancegroup.com
t:: +61 7 5556 6101

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