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Insurance for Business is a subsidiary of  McKenzie Ross, a respected CBD based insurance broker, specialising in the needs of small to medium sized businesses throughout Australia. The success of the Company and the relationship between broker and client is a sign of the enduring vision and the high service standards set at McKenzie Ross.

In recent times, the Company has extended the range of services available to clients. These include financial loan services, in-house premium funding, building trades insurance, builder’s warranty insurance and access to business broking services. The Company’s full range of products and consultancy services are designed to resolve our client's every need.

Short-listed below are some examples of the types of covers available. At McKenzie Ross we can provide insurance for a huge variety of risks, some of which can be quite unusual. They are split into three groups as follows.

• Asset Risks Protection
• Income and Other Financial Exposures
• Liability Risks and Exposures

1 Asset Risk Protection

CLASS	BRIEF DESCRIPTION
Aviation Hull	Loss of or damage to aircraft and related equipment.
Boiler Explosion	Damage to registered boilers by explosion, overheating, collapse.
Burglary	Theft of property following forcible and violent entry to premises.
Contract Works	Loss or damage to the project during construction.
Contractors' Plant & Machinery	Loss or damage to unregistered mobile plant, drilling rigs and the like.
Corporate Travel	Costs following accident or illness whilst travelling.
Crop	Fire or hail damage to cash crops.
Electronic Equipment	Material damage and loss of data following breakdown or malfunction.
Fire & Perils	Damage to fixed assets caused by a range of nominated risks.
Glass	Damage to fixed glass, signs and signwriting.
Householders	Loss or damage to residential premises and their contents.
Industrial Special Risks	Fire and Perils and Accidental Damage to fixed assets.
Jewellers Block	Loss or damage to stock of precious metals and gems.
Livestock & Bloodstock	Loss following death or loss of use of valuable animals.
Machinery Breakdown	Cost to repair following mechanical or electrical breakdown of plant and equipment.
Marine Builders Risk	Loss of damage to vessels during construction, testing and commissioning & delivery.
Marine Cargo	Damage to goods while in transit.
Marine Hull	Damage to private and commercial marine vessels and related equipment.
Motor	Loss or damage to registered vehicles.
Personal Valuables	Loss or damage to jewellery, works of art and other valuables.
Political Risks	Expropriation of overseas assets by governments or local authorities.

2 Income & Other Financial Risk Exposures

CLASS	BRIEF DESCRIPTION
Accounts Receivable	Loss due to irrecoverable debts following destruction of theft of debtors’ records.
Advance Consequential Loss	Loss of future earnings and increased expenses following delayed completion of a project caused by damage.
Business Interruption	Loss of income and increased expenses due to damage to fixed assets.
Cancellation & Abandonment	Cover is provided for loss of income and additional expenses incurred due to occurrences such as adverse weather conditions or non-appearance of performers for many reasons, including death or illness.
Commercial Legal Expenses	The reimbursement of legal costs in either defending or pursing legal action in areas of contract, employment, criminal, property, patent and copyright, motor and trade practices (both civil and statutory).
Computer Breakdown Profits	Loss of income and increased expenses following mechanical and electronic breakdown of computer equipment.
Credit	Protection for insured debts following insolvency of a debtor and can be tailored to cover any single or group of specific debtors or a blanket cover over all debtors.
Export Credit	Provides exporters with cover for default by customers or default due to political interference.
Fidelity Guarantee	Losses due to the dishonesty of employees.
Intellectual Property	Legal expenses incurred to defend patent, trademark, copyright etc.
Kidnap, Ransom & Extortion	Monies paid following kidnap of staff or family or threats of damage to assets.
Machinery Breakdown Profits	Increased Loss of income and expenses following breakdown of key plant and equipment.
Marine Profits	Loss of income and increased expenses following marine transit material damage claims.
Money	Loss or damage to cash, cheques & negotiable instruments.
Product Tamper	Loss of net profit, recall, accidental contamination and other expenses following product tampering.
Strike	Additional expenses incurred following labour disturbances.
Audit & Investigation	Expenses due to unexpected audits required by any statutory body, including Australian Tax Office.

3 Liability Risks & Exposures

CLASS	BRIEF DESCRIPTION
Airport Operators Liability	Bodily injury and property damage arising from the operation of a licensed airport.
Association Liability	Provides indemnity to those who hold positions on management committees incorporated organisations against negligent acts, errors or omissions.
Aviation Liability	Bodily injury and property damage arising from the operation of an aircraft.
Defamation	Damages following libel and slander.
Directors & Officers Liability	Damages following a wrongful act committed by the directors or officers of a company.
Employers Liability Accident Make-up Pay	Pays “Gap” between Workers’ Compensation Act benefits and actual weekly pay.
Employment Practices Liability	Liability for employment related issues such as wrongful dismissal, sexual harassment, and discrimination.
Extra Territorial Workers’ Compensation	For employees working interstate or overseas.
Forged Transfers	Damages and expenses following negligence in share registry.
Marine Liability	Bodily injury and property damage arising from: Operation of vessels Carrier's liability Ship-repair activities Charterer's liability Container liability Stevedore liability
Motor – CTP	Bodily injury arising from registered vehicles (separate insurance not applicable in Western Australia).
Product Recall Expenses	Expenses incurred in the recall of defective products.
Professional Indemnity	Damages arising from the professional activities of an organisation.
Public & Products Liability	Bodily injury and property damage arising from business activities and from products manufactured, imported or sold.
Trustees Liability	Damages following mismanagement of superannuation funds by trustees.
Umbrella Liability	Provides cover in excess of standard Broadform Liability policies, including Motor Third Party liability, but also provides blanket cover for many areas excluded by standard liability policies.
Workers’ Compensation	Provides cover for employers’ liability for injury to employees, Act benefits and at Common Law.

McKenzie Ross has enjoyed phenomenal growth over the past twelve years, yet we retain an intimate and personal relationship with our clients. Owned and managed by Australians who have a wealth of experience in business in their own right, the Company can provide unique advice and innovative solutions.