Partenaire Solutions Pty Ltd

Partenaire Solutions | Insurance Adviser Mosman

Partenaire Solutions is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in Mosman 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 Mergers & Acquisitions Insurance/Due Diligence and Warranty & Indemnity 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

Mergers & Acquisitions Insurance/Due Diligence
Mergers and acquisitions can be fraught with risk but one way to minimise this risk is through due diligence insurance. Due diligence insurance protects from the transaction should anything go wrong and cause losses to your business. Popular policy options for due diligence insurance include transaction liability insurance, warranty and indemnity insurance, tax liability insurance and environmental liability insurance. Transaction liability insurance reduces the potential risk of a transaction through transferring the risk to the insurance market, rather than leaving the burden on your business. Should the transaction prove unsuccessful, funds can be returned to investors and a clean exit from the acquisition is available. Warranty and indemnity insurance protects your business from financial loss for any inaccuracies in warranties and indemnities from the company to be acquired. Tax liability insurance legally and financially protects your business should any contentions regarding taxation arise; these contentions can be costly and disrupt the business cycle without coverage. Environmental liability insurance covers the financial costs of reducing pollution conditions, on-site and off-site clean ups or even legal representations that may be needed due to the unknown practices of the acquired company. Without due diligence insurance, mergers and acquisitions can be high-risk transactions, with some businesses not fully disclosing all aspects of their practices. This could cost your business both financially and legally, however, the risk can be minimised with a comprehensive insurance plan.
Warranty & Indemnity Insurance
Mergers and acquisitions can be an exciting but stressful time for many businesses due to the various unknown elements of the transaction. One of the most effective methods of protecting your business from these inevitable and costly risks is mergers and acquisitions insurance. One of the most important and crucial covers includes warranty and indemnity insurance, which is also known as representation and warranties insurance. Through the investment of warranties and indemnity insurance, the risk of the merger or acquisition is transferred to the insurance market, which allows an easy and clean exit should the transaction become problematic for any reason, making the negotiation process much quicker. Warranty and indemnity insurance protects your business from any financial losses that may occur as a result of warranty or indemnity inaccuracies from the acquired company. This particular policy benefits from the seller and buyer of the transaction as it can be claimed directly under the policy without the seller and covers any legal representation that the seller may require as a result of the inaccuracy. Whether you are the seller or the buyer of a merger/acquisition, there are always risks involved so consider protecting your business from through warranty and indemnity insurance to avoid legal or financial losses.

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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