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Reg Proprietor: Central Brokerage Services Pty Ltd (ABN 19 008 801 241) 52 Melville Parade, South Perth WA 6151 PO Box 408, South Perth WA 6951 AFSL: 241187 Ph: (08) 93688-999 Fx: (08) 93675-335 Web: http://www.centralins.com.au

Part 10 PRODUCT DIRECTORY - Summary of Risks for Consideration Listed hereunder are various forms of insurances that have been discussed or are now identified for your consideration. NOTE: Only those sections listed in a schedule are active.

PART A] ASSETS – Your Property Review all STATIC or FIXED and MOBILE PROPERTY

FIRE and Extraneous Perils

BUILDING/S: Loss of Gross Rents & Outgoings, Removal of Debris, Alternative Rental costs CONTENTS: Stock, Work in Progress , Plant and General Contents, Customers Goods, Removal of Debris, Re-Writing of Records, ICOW; Extra Costs; Seasonal Increases

Accidental Damage To cover losses which may be otherwise excluded under Fire and Extraneous Perils for Damage to non Fragile items also to cover Internal office Transit Risks

Consequential Loss of Income

If loss defined under Fire & Perils section then able to claim for: Gross Profit, Fees, Rents & Outgoings (1/2/3yrs) ICOW; Extra Costs, Re-writing of Records, Suppliers, Denial of Access, Public Utilities. [ ] Downtime for Major Mobile Plant see below under Mobile items

Burglary Stock; seasonal Increases, Customers Goods, Plant and Equipment, Employees Personal Effects, Options for: “Open Air”, Theft (without force),

Glass (fixed) External/Internal, [ ] Neon signs, Displays, Alarms, Temporary shuttering Money (cash or negotiable/s)

[ ] During Business Hours, [ ] In Transit, [ ] At Home, [ ] In safe Outside Business Hours, [ ] Float for outside Business Hours, [ ] Loadings for Seasonal and Bank Holidays

I.S.R. (Industrial Special Risk)

Includes all above under “Material Loss/Damage, but reserved for Large Asset Risks usually in the range of $1,500,000 and higher (excess also higher)

Mechanical (Breakdown)

Caused Sudden and Unforeseen events. Additional options for “Spoilage” of contents (food),.[ ] Boiler Explosion/Collapse, [ ] Boiler Liability[ ] Loss of Income

Electronic (Breakdown)

Caused by Sudden and Unforeseen events. Additional options: Transit (mobile cover away from premises), Fire & Perils, Accidental Damage, Extra Costs incurred, Loss of Data

Financial

Debtors, Bonds, Loan Repays, Fidelity, Credit covers Disability/Accident cover for Work time (or GAP) or for Leisure (Non Work) time. Journey cover – To and from Workplace for Employees IT:- [ ] Chargeback (credit card fraud on your website) [ ] Network Protection – Hackers/Viruses Legalexpense for Commercial & General Business Disputes, including Breaches of Statutes, Patents/Copyrights. Options: [ ] Commercial Motor Vehicles [ ] Tax Audits Succession Planning (Life & Super) for Key Staff (referral for strategic and Tax Planning)

Mobile/away from Premises And other special Contingencies Cons Loss/Downtime

Bloodstock, Livestock, Aquaculture Boiler Vessel Explosion and Loss of Income and Explosion Liability Cargo/Transit covers: 1. Overseas, 2. Interstate or 3. Intrastate Corporate Travel for the Organisation's staff, Members, Spouses Expatriate Cover Kidnap, Ransom, extortion Construction/Contract Works; Buildings, Roads etc., Flood, Pluvious (Rain), Events or Exhibitions Non Performance/Abandonment Hull – Waterborne or Airborne Craft General Property for Plant and Equipment, Tools and Sundry Stock Registered – Motor Vehicles; [ ] Trucks, [ ] Cars, [ ] Trailers, [ ] Non owned Trailer Liability Unregistered – Vehicles (CPM); Cranes, Excavators and the like Loss of Use or Hire costs for MAJOR MOBILE PLANT - Boat, Vehicles

Product Product Recall, Loss of Use, Contamination, Tampering, Extortion, Efficacy risk

Personal and Domestic

Home (owner occupier) –[ ] Building [ ] Contents [ ] Multi Risks = Spec/Unspec [ ] W. Comp Home (Landlords) -[ ] Building [ ] Contents [ ] Rental Income ] Damage by Tenants Motor Vehicles, Boat, Caravan, Vehicles Disability (24 hours or just Journey), Loan Repayments, Life, Savings & Superannuation

PART B] Legal Liability to 3rd Parties Standard Public Liability, in addition you require:- Corporate Management Liability - [ ] Entity, [ ] Directors & Officers, [ ] Crime, [ ] Crisis fund, [ ] EPL

Service Industry Association Trustee Professional “IT&T” MIA (Managed Investment Act)

[ ] Sub sections: [ ] Fidelity, [ ] Fraud & Dishonesty, [ ] Libel & Slander, [ ] Loss of Documents, [ ] Outgoing Principals, [ ] Previous Business, [ ] Trade Practices/Fair Trading Acts

[ ] General [ ] Manufacturer [ ] Goods retailer [ ]Trades Industries

Aviation Carriers Construction Marine Tourism General Trades [ ] Sub sections – AAA [ ] Products, [ ] Broadform, [ ] Drivers Risk, [ ] Demolition, [ ] Exports, [ ] Goods Sold, [ ] Goods in Custody, [ ] Plant Hired in/out, [ ] Principals, [ ] Participation, [ ] Road Risks, [ ] Sub-Contractors, [ ]Tenants/ Landlords, [ ] Treatments, [ ] Hook Risk, [ ] Worker to Worker, [ ] Boilers Cert.,[ ] Unregistered vehicle/Hoist/Crane/Escalator, etc.,

Help (Host Employer Liability Policy) – Liability to 3rd party workers

Employer Workers Compensation [ ] extensions for [ ] Working family/Directors, [ ] sub-contractors [ ] Increased statutory limits [ ] Mining Diseases (separate policy) Employment Practices Liability

Other Environmental Impairment, Statutory Fines, Contractual, Umbrella This page is an extract from our Client Manual See other Insurance Product checklist tools, by Industry and Occupation