Industry types

• Professional Indemnity (PI) insurance provides essential financial protection for Accountants against potential losses arising out of acts, errors and omissions from a wide variety of services including auditing, taxation, management consultancy, corporate finance and insolvency work.
• Accountants generally require professional indemnity to comply with professional association requirements, professional standards legislation or to meet the requirements of many clients and/or tender processes.

Legacy United Pty Ltd understands the insurance needs of Consultants, and that’s why our comprehensive insurance offer includes: Professional Indemnity, Public liability and Business Insurance. Our offer covers occupations such as:

Retail businesses face a complex set of insurance risks. While everyone that walks in the door is a potential customer, on the flip side, they are a potential insurance risk. Also, even once your customers have left with their purchase, you may be responsible if things go wrong. Business in this category may include as follows:

• Pubs & Nightclubs
• Cafes
• Restaurants
• Takeaway Shops

Legacy United Pty Ltd understands the particular needs a Tradesperson has when it comes to business insurance, and that’s why we offer nation-wide cover to protect you and your business from public liability claims, and other risks such as: fire, business interruption, theft of your tools or equipment, general property, money and personal accidents or illness among others.

Legacy United Trade Business Insurance covers different types of businesses such as:

There is one main form of insurance which is required by most cleaning contractors, and that is public liability cover.

If you undertake work for real estate agencies, property managers, shopping centres or commercial building managers you will most likely find that public liability insurance is mandatory.

The amount of cover you require will depend on the organisation you are working for. Many will be fine with a minimum of $5 million, however some may require as much as $20 million.

Another important form of insurance for cleaners is income protection. This is very rarely mandatory, but is still worth considering for anyone who is self-employed.

Professional indemnity (PI) insurance is designed to protect Engineers from claims made against them in the carrying out of their professional business. Depending upon the particular circumstances and contractual arrangements, Engineers may be held responsible for the actions of themselves, their employees, partners and sub-consultants.

Allegations of professional negligence often involve complex and detailed issues, and litigation is expensive and traumatic. Professional indemnity insurance is important in safeguarding the engineer, the public and the client. In most states, having and maintaining professional indemnity insurance is also a requirement of registration as an engineer.

Legacy United Insurance for manufacturers is customised to meet the specific needs of each manufacturing business.

The role of specific manufacturers varies, ranging from machinery and equipment, fabric and metals through to food and beverage products. Regardless of your segment, occupational health and safety risks will need to be covered.

As specialist business insurance advisors, Legacy United Insurance provides manufacturers with access to the leading manufacturing underwriting agencies and insurers specialising in insurance for manufacturers.

Your Legacy United’s advisors can provide cover for the risks, including business buildings, contents, machinery, equipment, business interruption, Marine insurance, public and products liability.

Wholesalers have several touch points relating to product or service delivery. The most obvious risks for wholesalers relate to property, transportation, stock, building and contents, theft and public liability. Business interruption, product liability and management liability provide an extra level of cover for wholesalers when things go wrong.

As specialist business insurance brokers, Legacy United Insurance provides wholesalers with access to Australia’s best underwriters and insurers specialising in insurance for wholesalers.

Whether you’re business is wholesaling computers, fish or alcohol, Legacy United can customise a business insurance solution to meet the specific needs of your wholesaling business.

Professional Indemnity (PI) insurance provides essential financial protection for Real Estate Agents against potential losses arising out of conducts such as: misrepresentation of the features of a property listed for sale; errors or delays in preparing documentation or loss of documents; misleading or deceptive conduct as defined under the Trade Practices Act 1974, Corporations Act 2001, ASIC Act 2001 and similar provisions in state Fair Trading Acts.

Professional indemnity insurance is essential for real estate agents in Australia.

The general cover under a farm plan policy includes:

• Accidental Domestic Home Building and/or Contents
• Personal Valuables
• Fire and Perils (farm property)
• Business Interruption
• Special Contingency
• Legal Liability
• Machinery Breakdown
• Goods in Transit
• Individual Injury and Sickness Insurance
• Commercial Motor
• Domestic Motor

The Transport industry has unique and changing risks that require specialists to determine the best risk minimisation strategy. Our role is to help identify risk and determine the best way to manage it. In doing so, we apply our knowledge and understanding of relevant legislation across all jurisdictions; our awareness of the latest insurance products available; and our local, national and international networks to transfer clients risks to an appropriate carrier (insurer). Our process begins with a risk profile review. This detailed assessment allows us to build a comprehensive picture of your potential exposure. We then help determine a strategy to best deal with each risk – either by terminating, transferring to an insurance company, or retaining the risk under controlled conditions.

Professional Indemnity (PI) insurance is designed to protect architects and designers from claims made against them in the carrying out of their professional business. Depending upon the particular circumstances and contractual arrangements, architects and designers may be held responsible for the actions of themselves, their employees, partners and sub-consultants.

Allegations of professional negligence often involve complex and detailed issues, and litigation is expensive and traumatic. Professional indemnity insurance is important in safeguarding the architect/designer, the public and the client. In most states, having and maintaining Professional Indemnity insurance is also a requirement of registration as an architect or designer.