Austral Risk Services are risk advisors and insurance brokers for small, medium and large business. Based in Western Australia, we provide comprehensive risk management services and leading insurance solutions to protect your business, company or organisation.
Call us on 08 9344 6650.
Business > Business Insurance > Liability Risks
As your business grows, the people involved in growing and managing it are exposed to risks.
Liability risk cover protects the company, its people and its products or services against legal claims.
Directors and officers, senior management and all the individuals must have adequate protection. Equally, the products and services you provide need to be insured. Litigation may occur when you least expect it.
Austral will work with you to identify your risk exposures in these areas and help you proactively manage liability risk in your business withy the right business insurance.
Construction Liability >
Construction is complex and costly. You must be confident you have the right insurances in places to ensure the project can run on time and on budget, no matter what happens.
Construction liability will cover loss, destruction or damage to a construction site. It can cover all materials destined for use there. It also ensures the people working on your site are protected.
Austral understands each construction project has unique challenges. Speak to one of our team to get expert advice (and peace of mind) for your next project.
Corporate Travel (Personal Liability) >
When your employees travel on behalf of your business, it’s important to know they’re protected against every possible risk. After all, they are your responsibility. Too often we think only of the obvious risks like lost luggage or delays in flights however you need to be protected for every eventuality.
Austral’s team will help you protect your people, no matter where your business takes them.
Cyber Risk >
Cyber attacks are a real threat to any company. Our reliance on the Internet, the complexity of our IT systems, cloud technology, personal electronic devices at work and social media, all offer real threats to your business and the security of your data.
An interesting study published in the Harvard Business Review (Sept 2014) found that roughly 80% of cyber threats are external. Interestingly, people associated with the company accounted for more than 20% of cyber attacks. And these internal threats are very hard to protect against.
Austral Risk Services will work with you to safeguard your company in a number of ways.
We will develop risk management and education programs for your team about external and internal cyber risk, its implications and how to manage it. We will also review and recommend suitable specialist business insurance products designed specifically for these threats.
Click here for more about our cyber risk insurance or speak to our Austral team today.
Employment Practices Liability >
People are the lifeblood of all businesses but managing them can be difficult. Employment practices liability is critical for those times when things go wrong. Wrongful termination, a demotion, disciplinary action and sexual harassment are just some examples which can end up with a lawsuit.
You must be sure you minimise employment risks for your business and put the right protection in place.
Speak to Austral about your employment practices liability today.
Management Liability >
Management liability insurance protects directors, officers and your business from a broad range of risk exposures relating to the management of a private company, partnership, sole trader or not for profit organisatiion.
Anyone who is involved in the management of a business takes on responsibilities that may leave them personally liable for alleged or actual mistakes. There are myriads of examples where the business may be tested.
Management liability includes:
Austral will guide you through the risks your business faces and assist in determining the right management liability insurance you need. Call us today on 08 9344 6650.
Motor Vehicle (Third Party) >
Austral are specialists in fleet and transport insurance. Whether we need to cover your personal vehicle, a fleet of sales vehicles or a fleet of haulage trucks, we have experience in knowing the exact cover you’ll need.
Speak to us about how we can help with your fleet and transport insurance.
Professional Indemnity >
Professional indemnity insurance is a form of cover that is specially designed for businesses and individuals who provide professional services to their clients. Errors can be costly. The loss does not have to be strictly monetary but could be material, physical or financial.
If someone initiates a lawsuit against you claiming you have breached your professional duty you could find yourself having to fight an expensive and protracted legal battle.
Austral’s professional and experienced team can help you make the right decisions.
Public and Products Liability >
Public and products liability is a broad insurance cover, critical for every business entity.
Broadly speaking, public and products liability insurance covers a company’s legal liability to pay compensation to a third party or parties in the event of the company causing injury, death or loss of or damage to property arising out of business operations or products.
Understanding your risk exposure is critical in getting this right. To determine the best level of Public and Products Liability cover for your company, speak with Austral.
Workers’ Compensation (Common Law) >
Businesses are about people. And protecting the people working in your business is a given. Workers’ Compensation is a complex area and is one where Austral excels. We have saved the businesses we work with from greater risk exposure and also saved them costs for protection.
Austral will advise you on what you need to know and do. Please click here for more comprehensive information on Workers’ Compensation.
Size of Business (in terms of employees)
site by Café Media