Commercial Business - AB Phillips

General Insurance Products

General Insurance for commercial businesses and industry groups is a key area of expertise for AB Phillips. Every industry is different and faces unique risks and exposures, and that's where our experience comes to the fore. Some risks are considered too 'risky' for many insurers and can be difficult to place. No matter how niche your industry, or how unique or great your risk, we can find an insurance solution to cover it.

Commercial businesses need to consider the following insurance covers

Public and Products Liability

Property Insurance

General Property/Mobile, Plant and Equipment

Business Interruption Insurance

Trade Credit Insurance

Machinery Breakdown

Construction/Contract Works Insurance

Professional Lines Insurance Products

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Professional Indemnity Insurance

AB Phillips crafts and places professional indemnity and related insurances for professional firms to cover the financial consequences of negligence and to meet the cost of defending claims made against the professional adviser. We have access to local markets and maintain facilities directly with London.

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Cyber and Privacy Protection Insurance

Cyber and privacy protection insurance covers costs associated with unauthorised use or access to intellectual property and proprietary information including personal data, corporate data, outsourcing liability, security liability and potential network interruption.

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Investment Manager Insurance (IMI)

Investment Managers Insurance (IMI) is a unique product specifically designed for the Investment Community to suit the complex environment and the increasingly frequent litigation which can arise.

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Management Liability (Directors & Officers) Insurance

In an increasingly litigious world, your company’s Officers and your Board of Directors are personally at risk.

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Private Equity and Mergers & Acquisitions (M&A) Services

AB Phillips Private Equity and M&A Services practice develops solutions that help private equity firms, corporations, alternative asset managers, lenders, and infrastructure investors manage M&A risks in a highly structured and efficient manner. We help you sign and complete the deal, minimise and transfer deal risks, and achieve your cost and revenue goals.

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Tax Audit Insurance

Tax Audit insurance provides financial protection from unexpected tax and government audits.

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Residential Body Corporate and Strata Managers

We can help you supply insurance solutions to your clients. Click here to download and complete a quotation request form. Please email the form to insurance@abphillips.com.au

Subcontractor/Franchisee Management Program

As a business manager you know how important it is to maintain adequate and up-to-date insurance to minimise your risk exposure. But how confident are you that your subcontractors / franchisees are also adequately insured? There are a variety of risks that subcontractors / franchisees pose to your business, and if they do not have the correct insurance in place you may be liable for any claims that arise. For this reason it is vital that you monitor and manage the insurance programs of your subcontractors / franchisees to minimise the risk exposure to your business.

Subcontractor / Franchisee Insurance Requirements

The insurance requirements of your subcontractors/franchisees will vary depending upon your industry. AB Phillips advisors have the industry knowledge and experience to advise on what insurance is required to protect the assets and livelihood of your business and in turn, your subcontractors / franchisees.

To learn more about this program, contact us here or call 1300 242 136.

People Management Solutions

If you employ people you will have human resources, workers compensation and safety & wellbeing needs and requirements. We can make this simple for you and offer two delivery options.

Our HRAnywhere On Demand service is a dedicated telephone and email advisory service that provides unlimited professional advice in the areas of Human Resources, Workers Compensation and Safety & Wellbeing. HRAnywhere On Demand Advice is a cost-effective solution for businesses that need occasional or frequent advice and don’t have dedicated HR, Workers Compensation or Safety & Wellbeing employees in-house.

What type of HR matters can we assist with?

Human resources:

Performance management; legislative employment obligations; wages; salary & leave entitlements; terminations; grievances & workplace disputes.

Workers compensation:

Resolve outstanding claims; premium reduction strategies; injury management; premium funding; policy management; claims management; occupational rehabilitation and Return to Work.

Safety & wellbeing:

Early intervention & injury prevention; mental health first aid training; health monitoring & pre-employment screening; job safety analysis & safe work methods; ageing workforce management; workplace audits & compliance assessments.

Consultation and Implementation Services

For businesses that require more than telephone or email advice, we offer full consultation and implementation services. Our People Solutions team can devise and implement tailored solutions for any Human Resources, Workers Compensation or Safety & Wellbeing business requirement.

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Commercial business articles

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Insurance in manufacturing

The manufacturing industry, anywhere in the world, is critical to keeping the economy moving. The sector is also one of the most technical, involving a wide range of moving parts including logistical, mechanical and labour resources. It is important that cover is tailored to each business.

Understanding the key terms in the insurance industry

The insurance landscape can be complicated and there is a range of industry-specific terms that are used. Here is a guide to the most common ones.

What happens throughout a claims process?

If you have an insurance policy, you’re helping to protect yourself against financial or business loss in the event of an incident. If an event occurs, you’d lodge a claim with your insurer. But how does that process work?

Australian Occupational Health and Safety (Legal) Context and Changes for Western Australia

As busy business owners and operators it is difficult to keep up with the various legislation and legislative changes that occur which are relevant to you. In this article we discuss Australian Occupational Health and Safety. We provide some context on the current OHS landscape, discuss the Western Australia Work Health and Safety Proposed Act changes and provide some information on recent workplace occupational health and safety issues and incidents.

Understanding three key risks facing SME's

Protecting against risk is essential for any business, and identifying and understanding less obvious exposures can help a business prepare and be best protected, should the worst happen.

How you can get the Worksafe discount without crippling your cash flow

Yes, it’s that time of year again – soon Worksafe Victoria will be issuing Workcover premium notices to all Victorian businesses.

One of the subbies fell in a pool shell a few weeks back – has been off work since. Will our WorkCover policy take care of his claim?

Each time you hire a contractor you need to determine if they're considered a 'worker' by WorkSafe – if so, you become their employer for WorkCover insurance purposes and will have liability for claim/return to work processes.

The three C's: Cutting Current Costs

As business owners and managers, you are forced to keep up with being innovative and adaptable, to secure your business and to ensure its viability over the short and long-term. There will always be threats to your business - unfortunately there are some things you can’t control.

Contractor or employee? A vexed question

When a business considers engaging someone to perform work, often the decision is about whether to engage them as an employee or as a contractor. The decision is sometimes quite difficult and the difference has implications for items such as, yet not limited to, taxation, superannuation, control and liability.

Public and Products Liability

All businesses no matter how large or small should have Public and Products Liability cover.

Testimonials from some of our commercial business clients

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Barwon Timber & Hardware

AB Phillips conducted a review of our workers compensation and remuneration procedures in February 2008. We received on site training, on how to identify ongoing claims and small claims that were better being managed internally.

Deb Green, Accounts
Barwon Timber & Hardware

Daalder Exhausts

Thank you for the opportunity to express my gratitude for the work you have done for me. It is reassuring to know that in the world of employee rights and those who actively advertise to uphold these rights, we as employers are not alone and have someone who is capable and willing to go in and bat for us - you have pulled me out of the mire in the past and I thankyou for it.

Alan Turner
Daalder Exhausts

Tridonic Manufacturing Pty. Ltd.

The partnership with AB Phillips has turned around the way we handle our Workers Compensation issues from a reactive to a proactive approach. Needless to say it saved us – and continues to save us – thousands of dollars annually. Also the relationship with our workforce has improved a lot in these matters.

Tridonic Manufacturing Pty Ltd.

IES Group

With all of the everyday pressures of running a business, workers compensation is an area where an experts attention is not only absolutely appreciated, but definitely a requirement. AB Phillips has always been there to guide me through the difficult claims, legislation and to help minimize costs of workcover premiums.

Rita Rubinstein
IES Group

Outdoor Timber Group

At first I was sceptical, when I was told by an insurance company, “we can save you money!” But I thought, “What do I have to lose?” It’s a free assessment after all. WorkCover insurance is something we need, but hate paying.

Garrie James
Outdoor Timber Group

Commercial Industy Specialities

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Camps

AB Phillips have been providing insurance and people risk solutions to businesses operating in the residential camps and outdoor activity providers industry for more than 15 years.

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Construction and Trades

We have a dedicated Construction and Trades department enabling us to provide relevant and specialist insurance advice.

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Pool and Spa

Specialists in builders warranty and contract works policies for the Pool and Spa Industry.

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Timber

Our expertise and network enables us to obtain highly competitive premiums and improve your level of cover with tailored extensions specific to the timber industry.

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