Liability Renewal Online Submission

Do you need to make any changes to the Business Description shown on the expiring policy?

Actuals (last 12 months)

Estimates (next 12 months)

Is any Turnover derived from Imports?

Is any Turnover derived from Exports to USA/Canada?

Is the Insured likely to engage any contractors or subcontractors?

Is the Insured likely to engage any Labour Hire personnel?

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 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 Public & Products Liability.

As you selected "Yes" to Imports, please answer the following specific questions in relation to the imported products:

Are all the following statements true?

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

As you've selected "Yes" to contractors / subcontractors, please answer the following specific questions in relation to contractors / subcontractors:

Are all the following statements true:

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.

Is the Insured involved in the erecting and/or dismantling of Scaffold?

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 any work on, at or around: Chemical sites; Petrol, Oil or Gas Production facilities; Aircraft or Watercraft; or Underground?

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

Is the Insured involved in any Asbestos or Demolition activities?

1. Please split the turnover into the following activities:

a) Asbestos Removal Only (ie. excluding demolition)

b) Demolition Only (ie. no asbestos)

c) Demolition with Asbestos Removal

d) Blasting

e) Excavation / Earthmoving (excluding working underground)

f) Piling / Shoring Up / Underpinning

g) Working Underground

h) Salvage Sales

i) All Other

After appropriate enquiry, is the Insured aware of any unreported claim or any other occurrence / circumstance which may develop into a claim under the expiring or the new policy?

Where Edge has not been on-risk for all of the past 5 years, has their been any late notifications (ie. in the last 12 months) that relate to the previous insurer?

With regards to the the Duty of Disclosure, are there any material changes to the nature of the risk being Insured?

Are there any other changes to coverage or limits you would like us to consider for the forthcoming period of insurance?