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McKenzie Ross a respected, CBD based insurance broker, specialising in the needs of small to medium sized businesses throughout Australia. The success of the Company and the relationship between broker and client is a sign of the enduring vision and the high service standards set at McKenzie Ross.

In recent times, the Company has extended the range of services available to clients. These include financial loan services, in-house premium funding, building trades insurance, builder’s warranty insurance and access to business broking services. The Company’s full range of products and consultancy services are designed to resolve our clients every need.

Short-listed below are some examples of the types of covers available. At McKenzie Ross we can provide insurance for a huge variety of risks, some of which can be quite unusual. They are split into three groups as follows.

• Asset Risks Protection
• Income and Other Financial Exposures
• Liability Risks and Exposures

1Asset Risk Protection

CLASS	BRIEF DESCRIPTION
Aviation Hull Insurance	Loss of or damage to aircraft and related equipment.
Boiler Explosion Insurance	Damage to registered boilers by explosion, overheating, collapse.
Burglary Insurance	Theft of property following forcible and violent entry to premises.
Contract Works Insurance	Loss or damage to the project during construction.
Contractors' Plant & Machinery Insurance	Loss or damage to unregistered mobile plant, drilling rigs and the like.
Corporate Travel Insurance	Costs following accident or illness whilst travelling.
Crop Insurance Insurance	Fire or hail damage to cash crops.
Electronic Equipment Insurance	Material damage and loss of data following breakdown or malfunction.
Fire and Perils Insurance	Damage to fixed assets caused by a range of nominated risks.
Glass Insurance	Damage to fixed glass.
Householders Insurance	Loss or damage to residential premises and their contents.
Industrial Special Risks Insurance	Fire and Perils and Accidental Damage to fixed assets.
Jewellers Block Insurance	Loss or damage to stock of precious metals and gems.
Livestock & Bloodstock Insurance	Loss following death or loss of use of valuable animals.
Machinery Breakdown Insurance	Cost to repair following mechanical or electrical breakdown of plant and equipment.
Marine Builders Risk Insurance	Loss of damage to vessels during construction, testing & commissioning and delivery.
Marine Cargo Insurance	Damage to goods while in transit.
Marine Hull Insurance	Damage to private and commercial marine vessels and related equipment.
Motor Insurance	Loss or damage to registered vehicles.
Personal Valuables Insurance	Loss or damage to jewellery, works of art and other valuables.
Political Risks Insurance	Expropriation of overseas assets by governments or local authorities.

2 Income & Other Financial Risk Exposures

CLASS	BRIEF DESCRIPTION
Accounts Receivable Insurance	Loss due to irrecoverable debts following destruction of theft of debtors’ records.
Advance Consequential Loss Insurance	Loss of future earnings and increased expenses following delayed completion of a project caused by damage.
Business Interruption Insurance	Loss of income and increased expenses due to damage to fixed assets.
Cancellation and Abandonment Insurance	Cover is provided for loss of income and additional expenses incurred due to occurrences such as adverse weather conditions or non-appearance of performers for many reasons, including death or illness.
Commercial Legal Expenses Insurance	The reimbursement of legal costs in either defending or pursing legal action in areas of contract, employment, criminal, property, patent and copy write, motor and trade practices (both civil and statutory).
Computer Breakdown Insurance	Profits -Loss of income and increased expenses following mechanical and electronic breakdown of computer equipment.
Credit Insurance	Protection for insured debts following insolvency of a debtor and can be tailored to cover any single or group of specific debtors or a blanket cover over all debtors.
Export Credit Insurance	Provides exporters with cover for default by customers or default due to political interference.
Fidelity Guarantee Insurance	Losses due to the dishonesty of employees.
Intellectual Property Insurance	Legal expenses incurred to defend patent, trademark, copyright etc.
Kidnap, Ransom & Extortion Insurance	Monies paid following kidnap of staff or family or threats of damage to assets.
Machinery Breakdown Profits increased Insurance	Loss of income and expenses following breakdown of key plant and equipment.
Marine Profits Insurance	Loss of income and increased expenses following marine transit material damage claims.
Money Insurance	Loss or damage to cash, cheques & negotiable instruments.
Product Tamper Insurance	Loss of net profit, recall, accidental contamination and other expenses following product tampering.
Strike Insurance	Additional expenses incurred following labour disturbances.
Audit & Investigation Insurance	Expenses due to unexpected audits required by any statutory body, including Australian Tax Office.

3 Liability Risks & Exposures

CLASS	BRIEF DESCRIPTION
Airport Operators Liability	Bodily injury and property damage arising from the operation of a licensed airport.
Association Liability Insurance	Provides indemnity to those who hold positions on management committees incorporated organisations against negligent acts, errors or omissions.
Aviation Liability Insurance	Bodily injury and property damage arising from the operation of an aircraft.
Defamation Insurance	Damages following libel and slander.
Directors & Officers Liability Insurance	Damages following a wrongful act committed by the directors or officers of a company.
Employers Liability Accident Make-up Pay Insurance	Pays “Gap” between Workers’ Compensation Act benefits and actual weekly pay.
Employment Practices Liability Insurance	Liability for employment related issues such as wrongful dismissal, sexual harassment, and discrimination.
Extra Territorial Workers’ Compensation Insurance	For employees working interstate or overseas.
Professional Indemnity and Errors & Omissions Insurance	Liability for negligent services performed or advice given to clients.
Forged Transfers Insurance	Damages and expenses following negligence in share registry.
Marine Liability Insurance	Bodily injury and property damage arising from: Operation of vessels  Carrier's liability       Ship-repair activities Charterer's liability  Container liability  Stevedore liability
Motor – CTP Insurance	Bodily injury arising from registered vehicles (separate insurance not applicable in Western Australia).
Product Recall Expenses Insurance	Expenses incurred in the recall of defective products.
Professional Indemnity Insurance	Damages arising from the professional activities of an organisation.
Broadform Public & Products Liability	Bodily injury and property damage arising from business activities and from products manufactured, imported or sold.
Trustees Liability Insurance	Damages following mismanagement of superannuation funds by trustees.
Umbrella Liability Insurance	Provides cover in excess of standard Broadform Liability policies, including Motor Third Party Liability, but also provides blanket cover for many areas excluded by standard liability policies
Workers’ Compensation Insurance	Provides cover for employers’ liability for injury to employees, Act benefits and at Common Law.

McKenzie Ross has enjoyed phenomenal growth over the past twelve years, yet we retain an intimate and personal relationship with our clients. Owned and managed by Australians who have a wealth of experience in business in their own right, the Company can provide unique advice and innovative solutions.