EDGE Online – GLUE New Business

Actuals (last 12 months)

Estimates (next 12 months)

Would you like to add more primary / underlying policies?

List any Underlying Sub-limits that you wish us to mirror (ie. this has the effect of doubling the underlying sublimits)

Please note that upon submission we may need to obtain some additional information regarding their blasting activities

1. Airports | Bridges | Canals | Dams | Railway or Rail Track infrastructure | Shipyards | Tunnels
2. Chemical refineries | Mines or Quarries | Oil refineries | Oil refineries
3. Power generation or distribution infrastructure (including power stations, poles & lines)
4. Off Shore | Underground | Overseas?

An Insured's Risk Management details are probably the most important details of all and greatly assist in our understanding of your client's overall exposure, including which bits they handle and which bits transfer to us.  This can have a material impact on the premium and deductibles or could even be the difference between us accepting or declining a risk. 

Please describe below what systems/processes/procedures the Insured has inplace to...

1. Identity,
2. Assess,
3. Control (avoid / reduce), and
4. Monitor & review

....risk, relevant to their Public & Products Liability exposure.

1. The Insured has arranged independent testing through an internationally recognised body (such as CSIRO / SAI Global / SAA Approvals) to ensure the products meet the required Australian Standard; and
2. Where required, products are labelled with all applicable product safety warnings; and
3. Where required, the products are provided with clear instructions and in English; and
4. All imported products are easily identifiable via batch and bar code systems; and
5. The Insured has a written quality assurance plan for the imported products; and
6. The Insured maintains full rights of recovery against the overseas manufacturers/suppliers

Written Agreements

1. There are written agreements in place with all contractors / subcontractors; and

Insurance Requirements

2. Under the agreement, all contractors / subcontractors are required to carry their own Public & Products Liability and Workers Compensation Insurances at the same levels as the Insured; and
3. Under the agreement, the liability insurance for all contractors / subcontractors is required to contain a blanket Principal's Indemnity extension or if not, the policy is required to be extended to note the Insured as Principal; and
4. Under the agreement, but only if the contractors / subcontractors operate in a Workers Compensation underwritten state (ie. ACT, WA, NT, TAS),  the contractors / subcontractors Workers Compensation insurance is required to be extended to include Principals Indemnity + Waiver of Subrogation (Act Benefits & Common Law); and

Insurance management

5. The Insured has a written procedure to monitor the contractors / subcontractors insurances; and

Suitability / Qualification management

6. Where individual contractors / subcontractors are engaged and/or where the Insured is directly responsible for supervising the contractors/subcontractors, the Insured has a written process to assess the suitability, health/fitness and qualifications of the contractors/subcontractors.

Please answer the following specific questions that relate to the Insured's scaffolding activities: 

1. Please split the turnover into the following activities (by %):

2. Please also advise the % of work performed at the following heights:

3. Please advise the % of work performed at the following locations:

Does the Insured ever sell second hand equipment?

Is there any work involving Public Seating,  Stands, and/or Stages?

Is there a documented inspection system, pre and post use / hire with written and photographic records kept?

If you erect scaffolding systems, are "Sacfftags" always used?

If you dry hire or sell scaffolding systems or parts, are written  instructions provided covering use, maintenance and safety?

Does the Insured have a formal, written training process in place?

As you've advised this is a new / start-up business, please move directly to the last section