Lewis Insurance Services Pty Ltd

Lewis Insurance Service | Insurance Adviser Cannon Hill | Insurance Advisernet

Lewis Insurance Service is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in Cannon Hill 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 independent 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 Marine Industry Insurance and Professional/Medical Services as well as a broad range of insurance products.

Insurance Expertise

Marine Industry Insurance
One the most crucial policies a marine business owner should have is marine industry insurance, this insurance will provide cover for your ship, boat and even cargo while in transit. As a result of the uncertainty that is nature, a vessel can run into circumstances such as choppy waters, hurricanes and typhoons and if the vessel is damaged as a result of that it can cause financial losses for your business. An additional risk that is covered by marine industry insurance, is piracy and cross border shootouts. To ensure the vessel is protected by insurance while transit, the caption must comply to a particular protocol regarding the scheduling and route taken. If the captain has failed to adhere to the protocol the vessel will not be covered by insurance. In an addition to the marine industry insurance, there are also four different covers available such as cargo insurance, hull insurance, liability insurance and freight insurance. The cargo insurance will specifically protect the cargo on-board the ship from any losses or theft that occur. Hull insurance will provide coverage to the main part of the ship and any items on-board the ship such as furniture. Liability insurance is one of the most popular insurance types as it will cover the vessel if it has been involved in a collision or accident with another ship. Protecting yourself financially from any accidents that occur is crucial, freight insurance will offer that protection to your company and vessel. Nature can be extremely unpredictable and involve a lot of risks for the marine industry, therefore having this insurance could be a necessity in order to protect your vessel, crew and cargo.
Professional/Medical Services
Being a medical professional, whether you are a GP, physiotherapist or an optician is an occupation that has a large amount of responsibility. This responsibility is accompanied by unique risks that result from the nature of the occupation in treating patients. Some of the most important types of medical professional insurance include medical indemnity, public liability insurance and practice indemnity insurance. Medical indemnity insurance is a type of professional indemnity insurance that is specific to medical and health professionals. This insurance type protects both medical professionals and medical practices from claims of malpractice or negligence. Legal costs or financial losses are covered should a patient bring forward a claim against the practice or health professional. Public liability protects your business if a third-party member of the public is injured at your premises, financially compensating medical costs or hospital bills. In order to further protect your practice from risks of the medical profession, practice indemnity insurance is available. Not only are medical professional protected through practice indemnity insurance but other members of staff such as administration or secretarial employees. Whether you are an employee at a medical centre, eyewear store or nursing home, medical indemnity insurance can protect your business and income from risks associated with the healthcare industry.

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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