Whatever your product, whatever your business service. We can provide a tailored liability insurance policy to meet your needs.

Public liability insurance is designed to protects your business against claims of being found liable to a third party for death or injury, loss or damage of property resulting from your employees negligence.

If you sell, supply or deliver goods, even in the form of repair or service, you may need cover against claims of goods causing injury, death or damage. The product liability section of cover is designed to protect your business if any of these events happen to another business or person by the failure of your product or the product your business are selling.

Warranty and Indemnity Insurance

This class of insurance policy is designed to provide protection and comfort for both buyers and sellers in a transaction with coverage for breaches of representations and/or warranties presented as part of the business sale.

Litigation Buyout and Special Situation Insurance

This class of insurance policy is designed to provide security and comfort for the buyer in a merger or acquisition by ‘ring-fencing’ litigation liabilities that can hinder or delay the successful closure of a transaction.

Tax Opinion Liability Insurance

This class of insurance policy is designed to reduce or eliminate losses arising from a business’s tax treatment of a transaction or investment, enabling businesses to pursue opportunities with confidence where the tax treatment is uncertain.

The constant professional is everywhere.

GALVANiiZE Insurance has experience with many professional companies over the years. We specialise in assisting our clients by reducing loss and litigation by way of standard to tailor made professional indemnity insurance policies.

The diverse range of our professional clientele ranges from Stockbroking Firms, Film & TV Professional, Producers, Financial Planners, Advertising Agencies, Event Organisers, Event Managers, Occupational Health & Safety Consultants, Stunts Professionals Management Consultants, Corporate Advisors, Business Brokers, Accountant firms, Top up cover for Law Firms, Business Schools & their Teachers, IT Consultants, Engineers, Architects, HR/Recruitment Agencies, Real Estate Agents, Public Relations Firms, Travel Agents, and the list could go on and on.

The GALVANiiZE team would be delighted to discuss your business & profession. We are confident there is a cost effective solution tailored for you and your business.

Cyber Risks | Security & Privacy / Media Liability / Cyber Terror / Cyber Extortion / Network Asset Protection.

Cyber Threats and Cyber Ransom is on the rise and this class of insurance has never been so important. A brief summary of the key elements of Cyber Risk protection policies are:

1. Third Party Claims – Providing the Insured with protection from third parties alleging failure to keep data secure, including claims for compensation by third parties, investigations, defence costs and fines and penalties (allowed under law) from breaching the Privacy Act.
2. First Party Costs – Reimbursement for Insured for the costs they would incur to respond to a breach, including: IT Forensic Costs, Credit Monitoring Costs, Public Relations Expenses and Cyber Extortion Costs (including ransom payments to hackers).
3. Business Interruption – Protection by providing reimbursement for the Insured’s loss of profits resulting from the breach, as well as any additional necessary expenses it may need to incur to continue business as usual. Some of the common events that can result in a cyber claim include:

• I.T. systems (designs & games) hacked and attacked
• Breach of privacy & security
• Lost or stolen iPads, smart pads/tablets, smart phones, PC/Mac’s or laptops/macbooks.

Please do not hesitate to contact the GALVANiiZE Insurance team to discuss or arrange a quote.

Are the business directors and employees travelling beyond 50, 100 or 200 kilometres? Yes? You should be buying Corporate Travel Insurance.

Most travel policies have multiple features and some of those are:

• Extra Territorial Workers Compensation
• Medical and Medical Evacuation Expenses (OVERSEAS ONLY)
• Loss of Deposits and Additional Expenses
• Luggage, Personal Effects, Travel Documents, Money and Credit Cards
• Lump sum payments for an injury resulting in Death or other specified events for Personal Injury
• Alternative Employee or Resumption of Assignment Expenses
• Political Risk and Natural Disaster Evacuation Expenses
• Missed Transport Connection
• Rental Vehicle Excess Cover
• Kidnap and Ransom and Extortion
• Personal Liability
• Corporate Travellers Family Care
• Identity Guard

Very Quick and Easy to arrange. Contact the GALVANiiZE Insurance team for a quote.

All forms of trade involve ‘Credit risk’. Are you prepared when your customers find themselves facing insolvency, defaulting on payments, act fraudulently or are unwilling to accept your goods on arrival?

Trade Credit insurance can help the effects of a major debtor’s insolvency or protracted default on a payment can be potentially devastating to any business and may:

• cause a reduction in profit; or
• result in considerable legal expense in recovering the amount owed or goods; or
• stress the cash flow of a business; or
• result in the collapse of your business.

Trade Credit insurance is designed to ensure that a company is not adversely or fatally affected by the unforeseen failure of a customer (or customers). Trade credit insurance is providing protection against:

• Financial loss in the case of bad debts arising out of insolvency (of your customers) or late payment;
• Financial hardship due to poor cash flow; and
• Costs and expenses associated with the recovery, or attempted recovery of trade debt.

Trade credit insurance may assist businesses in pursuing opportunities outside their comfort zone, such as:

• supplying to new industries or territories;
• forming new relationships with bigger clients;
• extending more credit to existing customers;
• pursuing sales opportunities on open account terms.

Buying trade credit insurance can give you the confidence you need to grow your business. This policy is an asset.

Trade credit insurance doesn’t normally cover fraud or contract disputes (unless resolved in the insured’s favour), though cover is available for contract repudiation.

Please contact us to discuss this specialised area of insurance and how we can help you and your company.