Complete Risk Solutions Pty Ltd

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Complete Risk Solutions | Insurance Adviser Taree

Complete Risk Solutions is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in Taree our knowledge of the local insurance industry is second to none and our experience in handling insurance for many thousands of customers enables us to provide advice you can always trust. It also means you'll benefit from access to unrivalled financial strength, business efficiencies and buying power spanning every major insurer in Australia and New Zealand even access to major overseas insurers if and when required. We specialise in Business Insurance and Farm Insurance as well as a broad range of insurance products.

 

 

Insurance Expertise

Business Insurance
Owning a business is both rewarding and challenging, to ensure you’re protecting your business from all potential threats of loss or financial set back, it is in your company's best interest to have business insurance as one of your insurance policies. Depending on the type of business you operate, will determine the best insurance coverage you should have such as property damage, legal liability and employee related risks. When choosing your insurance cover there are some factors you need to consider such as the location of your business, the type of business and any other comprehensive needs. Depending on the concerns you may have for your business with incidents such as theft, machinery breakdown, public liability or deteriorations of stock are available. The most important policy your company should have is public liability. Public Liability will protect your business from any lawsuits from a third-party who have injured themselves while on your premise or as a result of your business services, especially if your business does not have a permeate location and relies on delivering services to customers. This policy will also compensate any legal, medical or damage fees to a maximum limit. Depriving your company from such an important policy can cause the business to suffer from severe legal, financial and managerial issues. This issue can potentially affect the flow of your business and can lead to further complications down the track.
Farm Insurance
Owning a farm is a huge obligation to both your professional and private life. There are risks involving not only your business and income but your assets such as your home and vehicles. Ensuring your farm is covered by insurance from both the expected and unexpected events, investing in a farm tailored insurance plan which understands your source of income and needs are catered for. Some popular farm insurances cover your home and its contents, farm property, farm liability or natural disasters. Protecting your home and valuables from any potential damages as a result of natural disasters, left or unexpected accidents, it’s in your best interest to not only your business but your home to have the home and contents insurance as one of your policies. Farm property insurance will ensure all features of your property which are related to the flow of your business are uninterrupted such as fire prevention or extinguishment, employee possessions and even the replacement of flora such as trees or plants. Farm liability will provide cover to your farm against any physical injuries that occur on your property and will compensate the individual for medical or hospital bills. If your farm has been subjected to any loss or damage to business tools, equipment, stock or buildings that have been damaged as a result of natural disasters, Fire and defined events insurance policy will provide financial protection for these losses. A Farm insurance policy could minimise the risks involved and provide financial and legal protection to all aspects of your home and business, in which is deserves.

Insurance Types

Builders' Warranty

A licensed builder will need Builders' Warranty insurance for some, or all of your residential jobs. Builders' Warranty protects your customer if they lose their deposit, you don’t finish the job or if it’s defective, and you die, disappear or become bankrupt. The rules vary from state to state across Australia.

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Business Insurance

Having adequate general insurance cover is one of the most fundamental parts of being in business, as it provides invaluable protection against a range of risk events – from equipment and assets to legal liability – reducing financial uncertainty and protecting your livelihood and that of your workforce. Insurance companies provide a wide variety of general business insurance policies so it’s essential to get the right one for your needs.

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Business Interruption Insurance

Business interruption insurance is designed to cover the shortfall in gross profits caused by the interruption to your business after a disaster or another type of insured event that forces you to close your doors for an extended period of time. It effectively returns your business to the same financial position it was in before the event occurred, allowing the quickest possible resumption of normal business.

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Contract Works Insurance

You need contract works insurance in place before a peg is put into the ground. Many things can go wrong where building works are involved, whether that be at excavation or even completion stage of any project. This insurance is designed specially to provide any physical and related party liability damage as well as loss of building materials, fire and malicious damage.

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Cyber Insurance

As digital technology has become more and more inseparable from the operations of most businesses, having cyber insurance has become more and more important.

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Directors & Officers / Management Liability Insurance

If you have a small to medium sized private company, you could be protected by a policy that covers claims from a wide range of management liabilities, such as; directors and officers liability, company reimbursement, company liability and employment practice liability.

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Home Insurance

If you run your business predominantly from home it’s important to be aware your existing home and contents insurance may not cover your business activities or equipment in the event you need to make a claim

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Liability Insurance

Despite a business’ best intentions sometimes accidents still happen. Product liability insurance protects against claims of personal injury or third party property damage caused by products that have been manufactured, sold or supplied by your business. In particular it can help to cover the potentially significant costs associated with legal and court costs.

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Marine & Hull Insurance

Marine insurance is designed to provide peace of mind, whether you have a pleasure craft that requires insurance or if you are moving cargo across water, land or air. Marine transit covers provides point-to-point coverage between your premises and those of your customers.

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Motor Insurance / Commercial / Heavy Motor Insurance

One of the more common types of business cover, motor/vehicle insurance protects your business fleet against costs arising from theft and accidents. Your policy can be tailored to include a range of commercial vehicles from cars and motorbikes to vans, trucks and even buses and heavy motor vehicles.

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Plant & Equipment Insurance

If you have mobile plant and equipment, we can arrange to ensure this plant and equipment is properly insured to protect both the equipment but importantly also the liabilities associated with its use. This product is designed to cover everything from the smallest of earthmoving machines through to the largest fixed or mobile cranes – and everything in between.

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Professional Indemnity

You always endeavour to provide the very best services and advice you can. Regardless, the threat of claims and litigation is very real in 21st Century Australian business and can potentially bankrupt a business. This is why if your business provides any kind of professional services and/or advice you should strongly consider having professional indemnity insurance.

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Property Insurance

A must if you have one or more business premises, property insurance provides financial protection in the event they are damaged or destroyed in a one-off event.

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Strata Insurance

Strata Insurance offers you peace of mind by providing liability cover in the event people are injured on common property. Typically it includes cover for lifts, pools, car parks, stairwells, gardens, wiring, balconies, walls, windows, ceilings and floors.

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Workers' Compensation

Workers' Compensation is compulsory for all Australian employers. It provides protection to workers if they suffer a work-related injury or illness. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers' compensation insurance that covers their workforce.

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