17 articles tagged with this product.
Professional Indemnity and Public Liability are often spoken about as if they do the same job. They do not. A look at what each policy responds to, where they overlap and why an Agent needs both.
Professional Indemnity claims for Livestock & Property Agents rarely come out of nowhere. A look at the scenarios we see most often – and what they tell Agents about the way the policy is meant to respond.
A vehicle used to inspect stock, attend auctions or run between properties is not a private vehicle in the eyes of an insurer. A look at how commercial motor and private motor policies differ – and why the distinction matters at claim time.
When a fire, storm or cyber event takes a business offline, the building can be rebuilt long before the income returns. A look at why Business Interruption sits alongside material damage cover in any serious insurance program.
Livestock & Property Agents carry exposures that a standard business pack was never built to respond to. A look at why Cyber, Management Liability and Professional Indemnity sit at the centre of a modern business insurance program.
A physical work exclusion is appearing on some Livestock Agent Liability policies. It may appear as an endorsement on the schedule, but the practical effect is that cover can narrow where a claim arises from manual labour or hands-on operational work.
Cyber insurance has quietly shifted in buyers’ favour, and many policies now provide access to incident response support, not just a payment after the event.
Selling an agency does not end an Agent's exposure to claims from earlier work. A look at how Professional Indemnity and Management Liability respond when ownership changes – and why run-off cover and the so-called seven-year tail matter to both sides of the transaction.
Trust account compliance is the single most regulated part of an Australian agency. A look at where breaches typically emerge, how Professional Indemnity and Management Liability respond, and what an agency can do before the auditor arrives.
Email compromise targeting property settlements and livestock vendor payments is now one of the most common cyber losses for Australian agencyes. A look at how the attack works, where the loss sits and how Cyber insurance responds.
Most business claims do not come from clients – they come from current and former employees. A look at where Employment Practices Liability claims arise in Australian livestock and property businesses, and how Management Liability insurance responds.
Saleyards concentrate people, livestock and machinery into a small space on a single day. A look at where Public Liability claims arise for Australian livestock businesses, and how the policy responds when something goes wrong on sale day.
Drone footage has become standard for rural and lifestyle property marketing in Australia. A look at the aviation, privacy and professional-conduct exposures that come with it – and how an agency's insurance program responds.
Businesses hold extensive personal information about vendors, purchasers, landlords and tenants. A look at when a data incident becomes a Notifiable Data Breach in Australia and how Cyber insurance responds.
Businesses routinely engage contractors – junior selling agents on commission, casual yard staff, buyer's agents and aerial photographers. A look at where the liability for their conduct sits and how the business's policies respond.
Open homes, private inspections and on-site appraisals are the highest-frequency moment of exposure for Australian property businesses. A look at where claims arise and how Public Liability and Professional Indemnity respond.
Most business reviews focus on Professional Indemnity and Public Liability. The exposure that most often produces an existential loss for an agency is the interruption of its own operations. A look at how business interruption cover responds.
Receive RMA Insurance Brokers insights on rural, regional and business insurance matters, including market updates, claims considerations and issues worth reviewing before renewal.
