General Advice Warning

General Advice Warning

Any information on this blog and our website may be regarded as general advice only. Your personal objectives, needs or financial situations were not taken into account when preparing this information. You should consider the appropriateness of any general advice, having regard to your own objectives, financial situation and needs, before acting on it. Where the information relates to a particular financial product, you should obtain and consider the relevant product disclosure statement before making any decision to purchase that financial product.
in simple terms...ask us first...each insurance situation is different!

Public Liability

What exactly is it and what does it cover?

Cover
""We will pay all sums which the Insured Person shall become legally liable to pay for
compensation in respect of: • Personal Injury • Property Damage
happening during the Period of Insurance, within the Territorial Limits, as a result of an Occurrence in connection with Your Business or Products ""

Whats an occurrence?
""Occurrence means an event or series of events including continuous or repeated exposure to
substantially the same general conditions which results, unexpectedly and unintentionally from Your standpoint, in Personal Injury or Property Damage during the Period of Insurance. ""
For cover to be effected, there generally has to be negligence on behalf of insured - an 'accident' is not enough for insurance to cover.

Sums Insured
$5,000,000 (minimum)
$10,000,000 more the norm....
$20,000,000 and higher also avail.


Additional Payments
""In addition to the Limits of Liability stated in the
Schedule We will pay as additional payments all:
• reasonable legal costs and expenses incurred by the Insured Person
in the defence of any claim;
• expenses incurred by the Insured Person for first aid to others;
• reasonable expenses incurred by You for the temporary repair
or shoring up or preservation of property which has been damaged;
• interest accruing after entry of judgment against the Insured Person

resulting from an Occurrence which is covered by this
Cover Section ""

Exclusions:
Various apply...check wordings, check with Broker.

Fire & Perils Section - Business Packs

What does Fire & Perils cover.....

some common insurance perils...section 1 Fire & Perils:

1. Fire.

2. Lightning or thunderbolt.

3. Explosion.

4. Earthquake including subterranean fire or volcanic eruption

5. Impact caused by:
(a) any vehicle or its load; (b) any aircraft or anything dropped from
them, or sonic boom; (c) space debris or debris from a rocket or
satellite; (d) any animal; (e) a falling tree or part thereof;
(f) a mast aerial, antenna or satellite dish (g) a falling building

6. Riot, civil commotion and labour disturbances.

7. Wind and/or water (including snow, sleet and hail).

8. Bursting, leaking, discharging of water, sprinkler leakage

9. Vandalism or malicious damage.

10. Escape of molten material from its intended confines on or about the premises.

11. Loss or damage caused by demolition.

12. Accidental damage - ** not a Peril, but can be included in cover.

Privacy

Privacy....and your information.


We maintain records of insurance policies that we arrange or issue for you, as well as records of any recommendation or advice given to you. We also maintain your personal details relevant to the issuing of insurance advice and policies.

We will retain FSG's and any documents that we provide you with, and it is important you also retain relevant insurance documents.

We are committed to implementing and promoting a Privacy Policy, which ensures the privacy and security of your personal information. A copy of Statewide’s Privacy Policy is available on request.

We are bound by the Privacy Act and adhere to the National Privacy Principles contained within it. You are welcome to view your file at any time - please contact us to make arrangements if you wish to.

What are all these documents.....Disclosure Docs!!

With the advent of FSR, you will have noticed disclosure documents that are required to be sent to 'retail' clients. Save the trees....but please read them, keep them, query them if need be, and refer to them prior to making any decision to purchase insurance.

Further Information about our Remuneration
You will receive Further Information about our Remuneration (FIR) when we arrange insurance for you. This will contain important information about our remuneration, and any associations we may have.

Statement of Advice
Please contact us should you desire an SOA, and we will be happy to provide. Due to recent changes in FSR legislation, it is no longer obligatory to provide an SOA every time insurance is arranged for you.

Product Disclosure Statement
When we arrange the issue of an insurance policy for you, we will also provide you with a Product Disclosure Statement (PDS), unless you already have an up to date PDS from the insurer. The PDS will contain information about the particular policy, which will enable you to make an informed decision about purchasing that policy.

Limousine/SCV Scheme

Limousine/SCV Scheme
Statewide Insurance Brokers & Lumley General Insurance


We would like to bring to your attention our Limousine/SCV Insurance scheme, especially designed for Limousine/SCV Owners. With over 10yrs experience in this market, we are able to bring you commercial motor vehicle and liability cover, specifically designed for your limousine service.

Other schemes on the market may only cover your vehicle and leave deficiencies in public liability. Others may be backed by unauthorised offshore foreign insurers, potentially putting any claims at jeopardy – we are backed by Lumley General Insurance Australia, part of the Wesfarmers Group. Please contact for summary of cover and with any queries.