NB: Costs are “Industry” minimum/average indications only for Quick Budgeting Purposes. Covers are BASIC for SMALL BUSINESS, without consideration of Individual Occupation and Business Size.

Reg Proprietor: Central Brokerage Services Pty Ltd (ACN: 008 801 241)

52 Melville Parade, South Perth WA 6151 PO Box 408, South Perth WA 6951 Ph: (08) 9368-8999 Fx: (08) 9367-5335 Website: http://www.centralins.com.au AFSL: 241187

This is not a Public Register - you must refer the info for updating

Homepage FAQ's HTP Library Client Product Library

IRI or ORI Industry/Occupation Risk Index

SME Brochure

Note - For HTP (hard to Place) Industries or Occupations HTP (link above)

The following is a 1 page summary based on 3 basic Industry categories. To access “Occupation category” click here – if using the website go www.centralins.com.au and select Products, Industry/Occupation.

Customer Service Brochures SME Business - 1 Page basic Checklist

As at Industries Identified

10/02/15 SERVICE

10/02/15 GOODS

10/02/15 TRADE Help on related topics: 1. “Industry” type for Insurance purposes

- refer to RM of a policy – intended Industry, if the link fails click here to access via our website 2. “Entity” type for Insurance purposes

- refer to RM of a policy – Insured Entity” (insurable interest), if the link fails click here to access via our website

NB: Costs are “Industry” minimum/average indications only for Quick Budgeting Purposes. Covers are BASIC for SMALL BUSINESS, without consideration of Individual Occupation and Business Size.

Reg Proprietor: Central Brokerage Services Pty Ltd (ACN: 008 801 241)

52 Melville Parade, South Perth WA 6151 PO Box 408, South Perth WA 6951 Ph: (08) 9368-8999 Fx: (08) 9367-5335 Website: http://www.centralins.com.au AFSL: 241187

Created 10/02/15

Date Client

TOPIC SME Business [SERVICE] Industry: 1 Page Basic cover Checklist

OBJECTIVE To summarise Priorities for the Client's Quick Review. We have identified basic issues relating to each section to help our client's summarise budgeting decisions. It does not dismiss the need for a "Detailed Review".

Section Active Priority Approx Cost Excess Settlement

Fire & Perils Y/N High $150 per $75,000 $200 Replacement

Must insure for FULL Replacement Value otherwise the "Underinsurance" clause is applied. Nominal Cost so over insure to allow for Fluctuating Values, Removal of Debris, Rewrite records etc.,

Accidental Damage Y/N Medium $150 per $35,000 $250 Indemnity Value

To cover losses that may not be defined under the Fire & Perils section. Useful for sensitive/fragile equipment or Internal Transit (shifting of Assets in premises)

Consequential Loss of Income Y/N Medium $150 per $100,000 $100 Replacement

Must insure for Full GROSS Profit (Not Turnover or Net Profit), however you can nominate Exp., not required to reduce S. Insured. Claims trigger is a loss under the “fire and perils” section. Melbourne gas crisis, Bunbury tornado Do you need Key Staff or Machinery for 2/3 mths during recovery! At least consider "I.C.O.W." (Increased Costs of Working) = $75.00 to $100

Burglary Y/N High $150 per $7,000 $150 Indemnity Value

Not required to Insure for "Full" Value so consider "Smash and Grab" value as premium is high. Must be Violent and/or Forcible entry to Premises (building), no open air cover

Money Y/N Low $150 per $5,000 $100 Indemnity Value

Cash (not cheques/scratchies etc.,) At work - Options include transit, safe or at home With regard to cheques & the like, it only covers costs of replacing them not their value. No cover after the close of the Next Banking Day ie., don’t insure for multiple days other then when bank closed (i.e weekends).

Fixed Glass Y/N Low $270 to $400 Rep value $150 Replacement

Accidental breakage of glass through the entire thickness Declare Neon Signs – Inside and Out

Public Liability Y/N High $5mil $700 per 5 staff $250 Indemnity Value

$5Mil is the Minimum limit you should consider. (to Increase from $5mil to $10mil add 45%). Also consider ''CCC'' (Care, Custody & Control of Customers Goods)

Fidelity Y/N Low Min Prem $200 $100 Indemnity Value

Fraud or Misappropriation of Company Assets by Employee (must demonstrate fraud to trigger a claim)

Mechanical/Electronic Breakdown Y/N Low Min Prem $300 $100 Indemnity Value

Sudden and unforeseen damage to Electrical/Mechanical items which are not otherwise covered under the above sections such as Fire and Burglary. Spoilage cover is available.

General Property Y/N Medium $350 per $5,000 $250 Indemnity Value

Equipment (tools/demos) at and away from the Premises (cover = Fire & Perils + Burglary from building/vehicle)

Commercial Legal Expenses Y/N Low $400 to $500 for $50,000 10% Indemnity Value

To cover the Legal costs only. Must have opinion from lawyer of reasonable chance to win (Option for Taxation).

Disability Accident Capital/Life/TPD

Illness

Y/N High $300 per $500pwk $ 10 per $1,000 $600 per $500pwk

1 wk Indemnity Value

If Self Employed you should have 24 hour cover work and Leisure time otherwise just “Leisure Time" No medicals so review your Health Insurance

Motor Vehicles Y/N High 1% to 3% min $700 Various Various

Goods in Transit Y/N Low $200 per $20,000 $100 Replacement

Goods moved anywhere in WA &/or within Australia &/or Overseas. Cover can be Gold, Silver or Bronze

Trade Debtors Y/N Low Min Prem $400 10% Indemnity Value

Cover is for ‘Protracted Default’ (after exhausting all efforts to recover)

Workers Compensation (separate policy) Y/N High Wage x 1% to 2.5% Nil Indemnity Value

Professional Indemnity (separate policy) Y/N High Min Prem $1500 $2000 Indemnity Value

A professional duty exists where you receive a fee for Service, Advice, design or representation

Corporate Travel Y/N Low Min Prem $750 $250 Various

Annual policy for Domestic/overseas, includes usual travel ins exposures as well as overseas W.Comp gap cover. May include personal travel (before or after business) and spouses/children.

NB: [ ] Risks are static (known location) unless otherwise specified NB: This is only a summary, please spare a moment to review with us to "Protect your Assets" Other references, ORI= Occupation Risk Index, PD = Product Directory, CPL=Client Product Library

NB: Costs are “Industry” minimum/average indications only for Quick Budgeting Purposes. Covers are BASIC for SMALL BUSINESS, without consideration of Individual Occupation and Business Size.

Reg Proprietor: Central Brokerage Services Pty Ltd (ACN: 008 801 241)

52 Melville Parade, South Perth WA 6151 PO Box 408, South Perth WA 6951 Ph: (08) 9368-8999 Fx: (08) 9367-5335 Website: http://www.centralins.com.au AFSL: 241187

Created 10/02/15

Date Client

TOPIC SME Business [GOODS] Industry: 1 Page Basic Cover Checklist

OBJECTIVE To summarise Priorities for the Client's Quick Review. We have identified basic issues relating to each section to help our client's summarise their budgeting decisions. It does not dismiss the need for a "Detailed Review".

Section Active Priority Approx Cost Excess Settlement

Fire & Perils Y/N High $175 per $75,000 $150 Replacement

Must insure for FULL Replacement Value otherwise the "Underinsurance" clause is applied. Nominal Cost so over insure to allow for Fluctuating Values, Removal of Debris, Rewrite records etc.,

Accidental Damage Y/N Medium $150 per $30,000 $200 Indemnity Value

To cover losses that may not be defined under the Fire & Perils section. Useful for sensitive/fragile equipment or Internal Transit (shifting of Assets in premises)

Consequential Loss of Income Y/N High $175 per $100,000 $100 Replacement

Must insure for Full GROSS Profit (Not Turnover or Net Profit), however you can nominate Exp., not required to reduce S. Insured. Claims trigger is a loss under the “fire and perils” section. Melbourne gas crisis, Bunbury tornado Do you need Key Staff or Machinery for 2/3 mths during recovery! At least consider "I.C.O.W." (Increased Costs of Working) = $75.00 to $100

Burglary Y/N High $200 per $5,000 $150 Indemnity Value

Not required to Insure for "Full" Value so consider "Smash and Grab" value as premium is high. Must be Violent and/or Forcible entry to Premises (building), no open air cover

Money Y/N High $175 per $3,000 $100 Indemnity Value

Cash (not cheques/scratchies etc.,) At work - Options include transit, safe or at home With regard to cheques & the like, it only covers costs of replacing them not their value. No cover after the close of the Next Banking Day ie., don’t insure for multiple days other then when bank closed (i.e weekends).

Fixed Glass Y/N High $450 to $750 $150 Replacement

Accidental breakage of glass through the entire thickness Declare Neon Signs – Inside and Out

Public Liability Y/N High $5mil $750 2 staff $250 Indemnity Value

$5Mil is the Minimum limit you should consider. (to Increase from $5mil to $10mil add 45%). PRODUCTS – are critical (Products = anything you service, test, install once it leave your possession). CCC can be critical (''CCC'' = Care, Custody & Control of Customers Goods)

Fidelity Y/N Low Min Prem $250 $100 Indemnity Value

Fraud or Misappropriation of Company Assets by Employee (must demonstrate fraud to trigger a claim)

Mechanical/Electronic Breakdown Y/N Medium Min Prem $350 $100 Indemnity Value

Sudden and unforeseen damage to Electrical/Mechanical items which are not otherwise covered under the above sections such as Fire and Burglary. Spoilage cover is available.

Spoilage – (perishable foods) Y/N Medium 175 per $2,000 $100 Indemnity Value

Only available if you have Mechanical Breakdown section activated

General Property Y/N Low $250 per $4,000 $250 Indemnity Value

Equipment (tools/demos) at and away from the Premises (cover = Fire & Perils + Burglary from building/vehicle)

Commercial Legal Expenses Y/N Low Avr $350 to $600 10% Indemnity Value

To cover the Legal costs only. Must have opinion from lawyer of reasonable chance to win (Option for Taxation).

Disability Accident Capital/Life/TPD

Illness

Y/N High $350 per $500pwk $--10. per $1,000 $680 per $500pwk

1 wk Indemnity Value

If Self Employed you should have 24 hour cover work and Leisure time otherwise just “Leisure Time" No medicals so review your Health Insurance

Motor Vehicles Y/N High Various Various Various

Goods in Transit Y/N Medium $250 per $20,000 $100 Replacement

Goods moved anywhere in WA &/or within Australia &/or Overseas. Cover can be Gold, Silver or Bronze

Trade Debtors Y/N Low Min Prem $350 $10% Indemnity Value

Cover is for ‘Protracted Default’ (after exhausting all efforts to recover)

Workers Compensation (separate policy) Y/N High Wage x 3% to 5% Nil Indemnity Value

Corporate Travel Y/N Low Min Prem $750 $250 Various

Annual policy for Domestic/overseas, includes usual travel ins exposures as well as overseas W.Comp gap cover. May include personal travel (before or after business) and spouses/children.

NB: [ ] Risks are static (known location) unless otherwise specified NB: This is only a summary, please spare a moment to review with us to "Protect your Assets" Other references, ORI= Occupation Risk Index, PD = Product Directory, CPL=Client Product Library

NB: Costs are “Industry” minimum/average indications only for Quick Budgeting Purposes. Covers are BASIC for SMALL BUSINESS, without consideration of Individual Occupation and Business Size.

Reg Proprietor: Central Brokerage Services Pty Ltd (ACN: 008 801 241)

52 Melville Parade, South Perth WA 6151 PO Box 408, South Perth WA 6951 Ph: (08) 9368-8999 Fx: (08) 9367-5335 Website: http://www.centralins.com.au AFSL: 241187

Created 10/02/15

Date Client

TOPIC SME Business [TRADE] Industry: 1 Page Basic Cover Checklist

OBJECTIVE To summarise Priorities for the Client's Quick Review. We have identified basic issues relating to each section to help our client's summarise their budgeting decisions. It does not dismiss the need for a "Detailed Review".

Section Active Priority Approx Cost Excess Settlement

Fire & Perils Y/N Medium $175 per $75,000 $200 Replacement

Must insure for FULL Replacement Value otherwise the "Underinsurance" clause is applied. Nominal Cost so over insure to allow for Fluctuating Values, Removal of Debris, Rewrite records etc.,

Accidental Damage Y/N Low $200 per $20,000 $250 Indemnity Value

To cover losses that may not be defined under the Fire & Perils section. Useful for sensitive/fragile equipment or Internal Transit (shifting of Assets in premises)

Consequential Loss of Income Y/N Low $175 per $100,000 $100 Replacement

Must insure for Full GROSS Profit (Not Turnover or Net Profit), however you can nominate Exp., not required to reduce S. Insured. Claims trigger is a loss under the “fire and perils” section. Melbourne gas crisis, Bunbury tornado Do you need Key Staff or Machinery for 2/3 mths during recovery! At least consider "I.C.O.W." (Increased Costs of Working) = $75.00 to $100

Burglary Y/N Medium $250 per $4,000 $200 Indemnity Value

Not required to Insure for "Full" Value so consider "Smash and Grab" value as premium is high. Must be Violent and/or Forcible entry to Premises (building), no open air cover

Money Y/N Low $175 per $3,000 $100 Indemnity Value

Cash (not cheques/scratchies etc.,) At work - Options include transit, safe or at home With regard to cheques & the like, it only covers costs of replacing them not their value. No cover after the close of the Next Banking Day ie., don’t insure for multiple days other then when bank closed (i.e weekends).

Fixed Glass Y/N Low $350 to $500 $250 Replacement

Accidental breakage of glass through the entire thickness Declare Neon Signs – Inside and Out

Public Liability Y/N High $5mil $800 3 staff $350 Indemnity Value

$5Mil is the Minimum limit you should consider. (to Increase from $5mil to $10mil add 45%). PRODUCTS – are critical (Products = anything you service, test, install once it leave your possession). CCC can be critical (''CCC'' = Care, Custody & Control of Customers Goods) Extensions relevant to your Trade should be identified and considered – variations

Fidelity Y/N Low Min Prem $350 $100 Indemnity Value

Fraud or Misappropriation of Company Assets by Employee (must demonstrate fraud to trigger a claim)

Mechanical/Electronic Breakdown Y/N Medium Min Prem $400 $100 Indemnity Value

Sudden and unforeseen damage to Electrical/Mechanical items which are not otherwise covered under the above sections such as Fire and Burglary. Spoilage cover is available.

Spoilage (Perishable foods) Y/N Medium 200 per $2,000 $100 Indemnity Value

Only available if you have Mechanical Breakdown section activated

General Property (tools) Y/N Low $350 per $4,000 $250 Indemnity Value

Equipment (tools/demos) at and away from the Premises (cover = Fire & Perils + Burglary from building/vehicle)

CPM – Contractors Plant Machinery Y/N Medium $250 per $10,000 250/1% Market Value

Own Damage and/or Liability (tool of trade), Hire in/out, Accidental Overload,

Commercial Legal Expenses Y/N Low Avr $350 to $650 10% Indemnity Value

To cover the Legal costs only. Must have opinion from lawyer of reasonable chance to win (Option for Taxation).

Disability Accident Capital/Life/TPD

Illness

Y/N High $480 per $500pwk $--10 per $1,000 $650 per $500pwk

2 wk Indemnity Value

If Self Employed you should have 24 hour cover work and Leisure time otherwise just “Leisure Time" No medicals so review your Health Insurance

Motor Vehicles Y/N High Various Various Various

Goods in Transit Y/N Medium $250 per $20,000 $100 Replacement

Goods moved anywhere in WA &/or within Australia &/or Overseas. Cover can be Gold, Silver or Bronze

Trade Debtors Y/N Low Min Prem $350 $10% Indemnity Value

Cover is for ‘Protracted Default’ (after exhausting all efforts to recover)

Workers Compensation (separate policy) Y/N High Wage x 5% to 9% Nil Indemnity Value

Corporate Travel Y/N Low Min Prem $750 $250 Various

Annual policy for Domestic/overseas, includes usual travel ins exposures as well as overseas W.Comp gap cover. May include personal travel (before or after business) and spouses/children.

NB: [ ] Risks are static (known location) unless otherwise specified NB: This is only a summary, please spare a moment to review with us to "Protect your Assets" Other references, ORI= Occupation Risk Index, PD = Product Directory, CPL=Client Product Library