Combined General Liability

Complex Liability

We are an Australian based Underwriting Agency providing solutions for complex liability needs to licenced insurance brokers on behalf of their clients.
Our team of experienced underwriters have the knowledge and experience to offer truly tailored solutions for the individual needs of your clients. We look to provide casualty insurance products that operate as business enablers, with cover that is contractually compliant and fit for purpose.

Target Occupations

We have a broad appetite, including but not limited to, as follows:

  • Construction contractors and sub-contractors
  • Construction projects
  • Heavy engineering and fabrication
  • Mining contractors and operators
  • Energy contractors and operators (including offshore and upstream energy)
  • Chemical manufacturing and wholesaling
  • Rail contractors
  • Power generation
  • Importers and manufacturers
  • Traffic control
  • White collar workers in hazardous locations and/or with contractual obligations
  • Many more not listed

Non-Preferred Occupations

Whilst we can still consider on a case by case basis we do not actively target the following occupations:

  • Shopping Centre Cleaners
  • Pubs/Clubs/Nightclubs
  • Amusement Ride Operators
  • Tattoo Parlours
  • Caravan Parks
  • Children’s Products

Our Facility

Whilst we have the capability to facilitate risks on an open market basis we also have a number of binders using Lloyds as security to cater to a variety of risks. Some of our key capabilities are as follows:

  • Creating simple solutions for complex liability.
  • Local decision makers
    100% Underwritten by Lloyds
  • Various binder sections to cater from SME business (turnover of $50,000,000 or lower) to much larger businesses.
  • Primary, excess and umbrella
  • $20,000,000 limit on a primary basis – higher limits can be considered where required

Enhanced Coverage

To meet Insured’s needs our policy includes a range of coverage extensions, including those required for contractual compliance. Our experienced team are able to consider various endorsements and extensions, including but not limited to:

  • Rip and tear
  • Errors & omissions and Professional Indemnity
  • Rectification of faulty workmanship
  • Driving risk
  • Increase care, custody and control sub-limits
  • Asbestos liability

Wording Highlights

Key highlights of the policy wording are that it contains a number of automatic extensions to assist with ensuring appropriate cover and contractual compliance, including:

  • Auto joint-Insured status for principals and other parties where and to the extent required by written contract
  • Contractual indemnity agreement
  • 30-day cancellation
  • Non-invalidation / non-vitiation clause
  • Primary insurance clause
  • Waiver of subrogation agreement


Proposal Form

Mining Contractors

Cyber Insurance

​Complex Liability Brochure

Contacts Brisbane

Rob Hunt

0422 036 130

Blake Stone

0408 403 003

Kirsten Schoenmaker

0456 881 909

Contacts ​Sydney

Sharon Dighe

0455 221 292

Contacts ​Melbourne

Frank Drjlo

0429 477 765