The Hunter Broking Group Story

Delivering Excellence through Technical
Broking with a Service Focus

Managing Director Josh Ryan believes in a core focus of providing thorough and technical advice, delivered with true authentic honesty. Josh believes all clients should receive the same service.

We partner with the leading and more comprehensive Insurers, ensuring that policy coverage is broad and positive claims experiences are expected.

We work as a team, allowing clients to receive more efficient responses and a broader diversity of knowledge, skills and experience collectively.

The Hunter Broking Group enjoys educating clients on what protection they have and why they have it. There are methods behind our workings, these are evident in our claims results.

Become apart of the Hunter Broking Group

Quotations & Advisory

Civil Contractors – PlantProtect
Cosmetic Dentistry
Life | Income | Keyman

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Advisory
Insurance Programme Modifications
Claim Support

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Corporate Tender

Professional Indemnity – PI Protect
IT Liability – IT Protect
Travel Insurance – Good2Go

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The Broker Advantage

10+ Years Commercial & Corporate Experience
Customised Policy Terms and Conditions to Suit
Technical Advice from your Personal Qualified Risk Advisor
Access to Exclusive Policy Wordings Providing Enhanced Cover and Peace of Mind
Premiums & Claim Settlements Negotiated on Your Behalf
A Professional Relationship With Someone Who Understands Your Business
Supported by Australia’s Largest Network of Insurance Companies and Underwriting Agencies

Industries

Earthmoving

Earthmoving

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Construction

Construction

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Engineering Insurance

Engineering

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Information Technology

Information Technology

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Professional Services

Professional Services

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Business Insurance

Business Insurance

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Private Clients

Private Clients

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Accountants

Accountants

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Concrete Pumping

Concrete Pumping

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Cosmetics

Cosmetics

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Recruitment

Recruitment

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Sports & Leisure

Sports & Leisure

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The Steadfast Group

Providing National Broking Firms with an International Strength

With over 379 brokerages spread across more than 1,900 offices, the Steadfast Group generated over $5.5 billion in insurance sales in FY17.

This scale gives Steadfast the ability to negotiate and work with major insurers on behalf of Steadfast brokers and results in us being able to provide you with access to multiple insurance companies, a broad range of exclusive products and services combined with our local, expert advice.

As a client of a Steadfast network insurance broker, you get the best of both worlds – local and personalised service, with the insurance expertise and support of a large organisation.

Strength when you need it.

Insurance Products

Corporate Products

A Combined Professional Indemnity, Cyber, Privacy & Media policy for organisations in the Technology Sector.

A specialty Directors & Officers policy that can respond to claims alleging a breach of securities law, particularly in connection with defective disclosure documents.

A Combined Directors & Officers, Professional Indemnity & Crime policy for organisations managing Funds & Investments.

Specialty Insurance Programmes for organisations associated with the Mining Sector such as Exploration, Design, Consultancy and Operations.

Specialty Insurance Programmes for organisations associated with the Energy Sector such as Power & Utilities, Contractors Pollution & Clean Technology.

Environmental Impairment Liability

Covers legal liability for personal injury or property damage caused by unintended gradual or long term pollution. This policy also covers legal costs and the costs of removing, rendering harmless or cleaning up any substance which has caused or would cause environmental damage.

Directors & Officers

Directors’ and Officers’

Covers directors or officers of companies for their legal liability forwrongful acts or omissions committed whilst acting in their capacity as a director or officer.

Company Reimbursement

Covers the company for payments it is legally entitled or obliged to make in indemnifying directors or officers for claims made against them whilst acting in their capacity as directors or officers. Does not cover claims made against the company.

Statutory Liability

Covers Fines and Penalties imposed on the business due to breaches in legislation.

Employment Practices Liability

Covers a range of claims that can be made against an employer including wrongful termination, refusal to employ, failure to promote, demotion, disciplinary action, sexual harassment, discrimination or defamation of an employee.

Crime

Covers loss sustained through fraudulent or dishonest acts committed by employees.

Professional Indemnity

Covers legal liability to compensate third parties for loss sustained by them arising out of negligent acts, errors or omissions or civil liability on the part of the insured in the conduct of their business.

Voluntary Group Accident Schemes

Covers employees, for death or disablement as a result of an accident including an in-hospital cash benefits. Premiums are deducted from the employee’s salary.

Surety Bonds

A surety bond is a contract of guarantee which has three parties:

The surety or guarantee, i.e. the insurance company.

The person who is to perform the subject matter of the bond, i.e. thecontractor.

The person in whose favour the bond is issued, i.e. the owner or obligee.

Under a bond, the surety is responsible up to a specified amount for the non- performance or malperformance of the contractor’s obligation.

Aviation Hull & Liability

Covers loss of or damage to the insured aircraft and liability to third parties, including passenger liability, arising from the operation of the aircraft.

Umbrella Liability

Liability insurance which provides additional cover:

in the same circumstances as other liability policies such as Public & Products Liability, Motor Vehicle etc. but provides an additional sums insured above those insurances (known as “Excess Liability”).

of a wider scope than the underlying policies, e.g. covers Advertising Liability.

Industrial Special Risks

This extensive commercial policy typically protects the businesses against losses involving assets and business interruption arising from physical loss or damage to the property used in the business.

Corporate Travel

Covers baggage, overseas medical expenses, money, personal accident benefits, loss of deposits and other expenses incurred by employees and contractors whilst travelling for the insured ’s business of. This insurance is often purchased on an annual basis.

Professional Risks

Covers the Insured’s legal liability to the owner of a chartered vessel and/or to third parties arising out of chartering the vessel.

Covers the Insured’s legal liability to the owner of a chartered vessel and/or to third parties arising out of chartering the vessel.

Covers legal liability to compensate third parties for loss sustained by them arising out of negligent acts, errors or omissions or civil liability on the part of the insured in the conduct of their business.

First Party & Third Party losses following a Cyber Attack.

Financial loss arising from parties failing to fulfil their contractual obligations.

Management Liability

Trustee Liability

Covers trustees and trust managers of superannuation funds for their liability to compensate third parties (including legal costs incurred) arising out of the negligent administration of the trust or fund.

Kidnap, Ransom and/or Extortion

Covers ransom monies and negotiation expenses in the event of kidnap of an employee or members of their family or resulting from threats against property.

Fidelity Guarantee

Covers loss sustained through fraudulent or dishonest acts committed by employees.

Employment Practices Liability

Covers a range of claims that can be made against an employer including wrongful termination, refusal to employ, failure to promote, demotion, disciplinary action, sexual harassment, discrimination or defamation of an employee.

Directors and Officers Liability / Company Reimbursement

Directors’ and Officers’

Covers directors or officers of companies for their legal liability for wrongful acts or omissions committed whilst acting in their capacity as a director or officer.

Company Reimbursement

Covers the company for payments it is legally entitled or obliged to make in indemnifying directors or officers for claims made against them whilst acting in their capacity as directors or officers. Does not cover claims made against the company.

Statutory Liability

Covers Fines and Penalties imposed on the business due to breaches in legislation.

Business Insurance

Burglary coverage is often restricted to theft following a break-in or committed by a person who is concealed on the premises. Theft cover does not depend on either of those characteristics (and as a result, if available, is normally more expensive).

Insures against loss of gross profit or revenue – it covers the continuing or fixed costs of a business and increased working costs incurred to avoid or diminish a reduction in the business results and profitability following loss of or damage to property.

Covers money held in safes and strongrooms at designated premises and whilst in transit.

Covers loss of or damage to specified property, normally portable, which is not covered under the buildings policy.

Can cover either specified items of glass or more typically all glass on the premises. Cover can be extended to include such items as sign writing and framework.

Electronic Equipment / Breakdown

Covers physical loss or damage, including mechanical or electrical breakdown, to computing equipment.

Machinery Breakdown

Covers the cost of repair of sudden and unforeseen mechanical or electrical breakdown of plant and machinery. The policy can be extended to cover consequential loss from interruption to the business following the breakdown.

Taxation Audit

Covers professional fees charged by an accountant in connection with a Taxation Office audit or investigation, including costs in obtaining expert advice.

Building / Contents / Stock

Covers loss or damage to your Building, Contents & Stock due to an insurable event, particularly fire and perils.

Others

Covers accidental bodily injury to or death of third parties as a result of road traffic accidents. All owners of motor vehicles using public roads in Australia are required to have CTP cover taken out in the State in which their vehicles are registered.

Covers an individual against death by any cause other than suicide, subject to certain time constraints.

Can provide weekly and lump sum benefits for accidental death, or injury to a specified person. Protection is also available to cover sickness.

Carriers:

Providing cover for carriers, including combined legal liability coverage and transit coverage for goods carried in the normal course of transit, particularly goods owned by third parties.

Cargo:

Cover for goods damaged in transit, whether by inland sendings, export or import. Typically goods owned by the policy holder, incorporating various covers and more specifically for industries such as manufacturers, importers and exporters.

Commercial Hull:

Insurance for a wide variety of working boats, tugs, supply vessels and tourist craft operating in inland and coastal waters around Australia. Also incorporating cover for liabilities which can arise from the ownership and operation of a vessel. Industries such as marina operations, ship-repairing and chartering.

This can take serveral forms:

(a) Comprehensive, i.e. own damage and third party property damage.

(b) Third Party Property Damage plus Fire and Theft.

(c) Third Party Property Damage only.

Manufacturers Output / Seller Contigency

Manufacturers Output covers loss or damage to stock from the time of purchase as raw materials through manufacture and shipment to their final destination.

Sellers Contingency protects exporters when goods are destroyed or damaged as a result of the buyer not paying for the goods.

Pleasure Craft

This policy can cover the craft itself, accessories and also Third Party Liability (including to and by water skiers).

Pluvius (Weather)

Insurance to provide an agreed sum in the event that a nominated quantity of rain should fall during a specified time period, on a specified date and location. Cover is often required by promoters of sporting and outdoor events who would expect to incur financial loss should rain affect attendance at an event.

Product Performance Guarantee

Covers legal liability to repair or replace defective products made, sold or distributed by the Insured.

Bonds

A surety bond is a contract of guarantee which has three parties:

  1. The surety or guarantee, i.e. the insurance company.
  2. The person who is to perform the subject matter of the bond, i.e. thecontractor.
  3. The person in whose favour the bond is issued, i.e. the owner or obligee.

Workers’ Compensation

Compulsory insurance covering statutory liabilities to employees injured by accident or industrial disease arising out of or in the course of their employment.

Crops (Growing)

Covers loss destruction or damage to crops from an insured peril.

Group Personal Accident

Covers a nominated group of individuals for specified benefits against a range of accidental disabilities. Benefits are often payable to the organisation purchasing the cover rather than to the disabled person.

Home and Contents

Covers domestic dwellings and contents against fire and other perils including theft and personal liability.

Key Person

Covers a specified amount following the death or disablement of selected key personnel. This cover should be purchased where the loss of key personnel may result in loss of market confidence, significant cost of employee replacement, short-term cash flow difficulties, debt foreclosure, etc.

Voluntary Group Accident Schemes

Covers employees, for death or disablement as a result of an accident including an in-hospital cash benefits. Premiums are deducted from the employee’s salary.

Contract Works / Liability

Covers loss, destruction of or damage to contract works and all materials related to a construction or maintenance contract whilst in transit or on or adjacent to “the insured site”.

(Cover usually applies both during the construction and maintenance periods and is tailored to reflect particular risks arising out of construction contracts).

Can also cover legal liabilities for injury to any person(s) and/or damage to any property of third parties arising out of the construction/maintenance works.

Product Recall

Covers legal liability for costs, expenses and damages for withdrawal or recall of goods or products because of any known or suspected defect or deficiency.

Landlords

Protects residential property owners in the event of damage to their property by tenants.

Lodging a Claim

Claiming with us is easy!

This is what we are here for, when things do go wrong. Don’t stress, let’s work together and take a proactive approach.

We recommend calling through to our office to lodge your claim, that way we can guide you through the process.
Alternatively, please complete the enquiry form and we will response within 24 hours.

Claim Guide

Lodge a Claim

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Postal: PO Box 2387, Graceville QLD 4075

Address: 2/306 Oxley Road, Graceville QLD 4075

Phone: (07) 3279 6592

Email: admin@hunterbroking.com.au, claims@hunterbroking.com.au

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