Insurance Policies

Asset Risk Protection

Income & Other Financial Risk Exposures

Liability Risks & Exposures

People Exposures and Protection

Asset Risk Protection

Income & Other Financial Risk Exposures

Liability Risks & Exposures

People Exposures and Protection

Locations

Suite A4.09, 11 Solent Circuit Norwest NSW 2153

PO Box 7366
Baulkham Hills BC NSW 2153

Annis Group Pty Ltd
AFS 243559
ABN 23 000 858 079

CLASS	BRIEF DESCRIPTION
Accidental Damage	Loss or damage to property due to an accidental cause.
Aviation Hull	Loss or damage to aircraft and related equipment.
Boiler or Pressure Vessel Explosion	Damage to registered boilers or pressure vessels by explosion, overheating, collapse, etc.
Burglary	Loss of property following forcible and violent entry to premises.
Contract Works	Loss or damage to the project/works during construction.
Corporate Travel	Medical costs, baggage and other Benefits whilst traveling on business.
Crop	Fire or hail damage to growing crops.
Electronic Equipment	Material damage and loss of data following breakdown or malfunction.
Employees Property in Transit or on Premises	Loss or damage to employees personal effects.
Extended Warranty	Extensions to warranty periods for products.
Fire and Perils	Damage to property caused by a range of nominated risks.
Flood	Loss or damage to property caused by “flood”, as defined.
Glass	Damage to fixed glass.
Householders	Loss or damage to residential premises and their contents including holiday homes.
Industrial Special Risks	Fire and Perils and Accidental Damage to fixed assets and subsequent Business Interruption.
Jewellers Block	Loss or damage to stock of jewellery, precious metals and gems.
Livestock and Bloodstock	Loss following death or loss of use of valuable animals.
Machinery Breakdown	Mechanical or electrical breakdown of plant and equipment and subsequent business interruption.
Marine Builders Risk	Loss of or damage to vessels during construction, testing, commissioning and delivery.
Marine Cargo	Damage to goods whilst in transit Overseas or within Australia including containers.
Marine Containers	Loss or damage to sea or land containers including refrigerated containers.
Motor Vehicles, trailers, caravans, motor cycles or mobile equipment	Loss or damage to registered or unregistered motor vehicles and the like.
Personal Valuables/Art/Jewellery	Loss or damage to jewellery, works of art and other valuables.
Political Risks	Expropriation of overseas assets by Governments or local authorities.
Rewriting of Data	Costs to rewrite, replace or reconstruct records and data.
Refrigerated Stock	Loss of refrigerated stock due to refrigeration equipment breakdown.
Theft of property in premises	Loss of property within premises without forcible and violent entry.
Theft in open air	Loss of property in the open air without forcible and violent entry.
Tools & equipment	Loss or damage to tools or equipment in vehicles, or site or in storage including laptops.
Weather/Pluvius	Loss due to inadequate or exorbitant rain or temperatures.
Terrorism	Loss or damage to fixed property due to declared terrorism.
Rural/Farm Property	Country farms and properties.

CLASS	BRIEF DESCRIPTION
Accounts Receivable	Loss due to irrecoverable debts following insured loss of debtors records.
Advanced Consequential Loss	Loss of future earnings and/or increased expenses following delayed completion of a project caused by insured damage.
Audit & Investigation	Expenses due to unexpected audits required by any statutory body, including Australian Tax Office.
Bonds/Performance guarantees	An alternative to bank guarantees.
Business Interruption (Consequential Loss)	Loss of income and/or increased expenses due to insured damage to fixed assets.
Business Interruption (Consequential Loss) – dependency on key customers or suppliers	Loss of income and/or increased costs due to insured damage to key customers or suppliers premises.
Business Interruption (Consequential Loss) – dependency on public utilities	Loss of income and/or increased costs due to insured damage to public utilities premises.
Cancellation and Abandonment	Loss of income and/or additional expenses incurred due to occurrences such as adverse weather conditions or non appearance of performers including death or illness.
Commercial Legal Expenses	Reimbursement of legal costs in either defending or pursing legal action in areas of contract, employment, criminal, property, patent and copyright, motor and trade practices (both civil and statutory).
Computer Breakdown	Damage, loss of income and/or increased expenses following mechanical and electronic breakdown of computer equipment, media and data.
Computer Crime/fraud/virus – Cyber Risks	Insured loss following tampering with computer systems, fraud or virus.
Contractual Fines & Penalties	Fines or penalties due to failure to meet contractual commitments due to an insured loss to assets.
Credit Insurance	Loss following insolvency of a debtor either single debtors or a group of specific debtors or a blanket cover over all debtors.
Crisis Containment	Public Relations consultant costs to assist following a major crisis.
Export Credit	Default by overseas customers or default due to political interference.
Export Sellers Contingency	Loss or damage not insured/recoverable from overseas purchasers.
Fidelity Guarantee	Loss of goods or money due to theft or dishonesty by employees.
Intellectual Property	Legal expenses incurred to defend patent, trademark, copyright etc.
Kidnap, Ransom and Extortion	Monies paid following kidnap of staff or family or threats of damage to assets
Machinery Breakdown Business Interruption	Loss of income and/or additional expenses following breakdown of key plant and equipment.
Marine Business Interruption	Loss of income and/or additional expenses following marine transit material damage claims.
Mortgage Protection	Mortgage payments in the event of disability.
Money	Loss or damage to cash, cheques negotiable instruments in transit or on premises.
Product Tamper	Loss of profit, recall and other expenses following product tampering.
Strike	Additional expenses incurred following labour disturbances.
Takeover Defence	Expenses to successfully defend a takeover of a public company.

CLASS	BRIEF DESCRIPTION
Airport/Landing Strip Operators	Liability for bodily injury and/or property damage arising from the operation of a licensed airport or landing strip.
Association Liability	Liability for members of management committees or incorporated organisations against negligent acts, errors or omissions.
Aviation Liability	Liability for bodily injury and/or property damage arising from the operation of an aircraft.
Broadform Public & Products Liability	Liability for bodily injury and/or property damage arising from business activities and products.
Completed Operations Liability	Liability arising from completed buildings/projects/constructions.
Contractual Liability	Liability assumed under contract or agreement.
Defamation	Liability for damages following libel and slander.
Directors and Officers Liability	Liability for damages following a wrongful act committed by the directors or officers of a company.
Employers Liability Accident Make-up Pay	Liability for the “Gap” between Workers’ Compensation Act benefits and average actual weekly pay.
Employment Practices Liability	Liability for employment related issues such as wrongful dismissal, sexual harassment, and discrimination.
Extra Territorial Workers’ Compensation	Workers Compensation benefits for employees working interstate or overseas and at common law.
Environmental Impairment Liability	Liability for bodily injury and/or property damage following gradual pollution.
Internet Liability	Liability for infringement, defamation, viruses, misuse etc.
Financial Loss (inc loss of use and efficacy)	Liability for financial loss only not accompanied by bodily injury or property damage.
Forged Transfers	Damages and expenses following negligence in share registry.
Marine Liability	Liability for bodily injury and/or property damage arising from: Operation of vessels Carriers liability Ship-repair activities Charterers Liability Stevedore liability Marina operators
Motor – CTP	Liability for bodily injury arising from registered vehicles.
Motor – TPPD	Liability for property damage arising from registered motor vehicles.
Product Recall Expenses	Expenses incurred in the recall of defective products.
Property in Care, Custody or Control	Liability for loss or damage to property of others in your care, custody or control.
Product Guarantee	Liability for the cost of repairing or replacing faulty products.
Professional Indemnity or Errors and Omissions	Liability for negligent services or advice provided by professionals.
Trustees Liability	Liability for damages following mismanagement of superannuation funds by trustees.
Unregistered Vehicle Liability	Liability for unregistered vehicles working/traveling on public streets or areas.
Umbrella Liability	Liability in excess of standard or Primary Liability policies including Motor Third Party Liability.
Workers’ Compensation	Cover for employers’ liability for injury to employees, Act benefits and at Common Law.
Worker’ Compensation – Journey Cover	Employers liability for injury to employees in transit to or from work only.

CLASS	BRIEF DESCRIPTION
Group Life Cover	Provides a group of people with cover for death or disability at much lower rates than can be provided individually.
Consumer Credit	Personal Accident and unemployment insurance to protect finance loans.
Journey Cover	Injury to employees solely and directly occurring whilst in direct travel to and from work. (Important cover in States where there is no cover under Workers’ Compensation egg: WA).
Key Man	Financial loss following death or disablement of key personnel.
Loss of Licence	Lost income when an income producing licence cannot be maintained as a consequence of disability.
Major Trauma Cover	Provides lump sum of money following diagnosis of specified major personal health conditions.
Partnership and Shareholder Protection	This provides a package designed to protect the surviving shareholders in the event of the death or disability of a principal.
Personal Accident & Illness	Death or disability following an accident or illness (cancelable contract)
Income Protection	This can provide cover in the event a person is unable to follow their chosen occupation. (a non-cancellable contract).
Salary Continuance	This provides cover for continuation of employees’ salaries after sick leave has been exhausted.
Travel and Expatriate Cover	Medical and repatriation expenses following injury or illness while traveling or working overseas.

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