Everest Risk Group Pty Limited

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Everest Risk Group | Insurance Adviser Sydney | Insurance Advisernet

Everest Risk Group is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in Sydney 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 Investment Managers Insurance and Accommodation Insurance as well as a broad range of insurance products.

As your appointed General Insurance Adviser, we will:

  • Conduct an analysis of your risk/needs and recommend the most appropriate covers to protect your assets and liabilities
  • Recommend the appropriate insurer to match the risk
  • Only recommend financially secure and stable insurers
  • Provide alternatives on your risk retention through various excess options
  • Allow you to pay premiums in monthly instalments
  • Provide prompt and timely servicing of your general insurance needs to ensure you are adequately informed of issues that may affect your business.

Insurance Expertise

Investment Managers Insurance
Investment management is a profession that is known to be stressful due to the risks involved, however, it doesn’t have to feel this way for all aspects of the role. Choosing the correct investment management insurance is the best way to minimise some of the risks and stresses related to the industry. Some of the most popular policy options for investment management firms include professional indemnity, directors’ and officers’ liability and employment practices liability. Professional indemnity insurance provides protection to your business if a client wishes to make legal claims of malpractice or professional misconduct. Directors’ and officers’ liability insurance is designed specifically for the company’s management. This cover protects the assets of directors and officer if the situation arises in which claims are made against them for failure to correctly carry out duties and obligations. This policy covers financial costs or legal costs that may occur as a result of these claims. Employment practices liability protects your business against claims made by ex-employees for unfair dismissal from their roles. Investment management is an industry fraught with risk, however, not all risks need to be unchecked and unknown, especially with the right insurance plan.
Accommodation Insurance
Hotels, motels, bed and breakfasts and even Airbnb’s could all benefit from the protection of accommodation insurance. Not only will this coverage protect your business but it also provides protection to your income and livelihood. The most popular types of cover include public liability, business interruption, professional indemnity and management liability. Public liability insurance provides coverage for your business if a third-party is injured at your premises. Medical and hospital bills are financially covered as well as any legal costs that your business may incur due to third-party legal claims. Business interruption insurance protects your business in the instance that you may have to close your premises for personal or site-related reasons, this cover financially compensates loss of profits that may result from business closure. Due to the service nature of accommodation businesses, professional indemnity insurance is often recommended to provide coverage for any claims of malpractice, misconduct or negligence from customers. These claims can often require legal representation, which are covered by professional indemnity insurance. Often an accommodation will have a managerial employee handle majority of customer relations, questions and concerns. Should a manger provide incorrect information that leads to customer losses (physical or financial), breach their duty or commit a wrongful act on your behalf, your business will be financially covered. Accommodation properties can be open to a range of unexpected risks, in order to protect your business and minimise this risk it is important to consider accommodation insurance.

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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