Associations Liability
This type of policy is exclusively for Industry Associations as it combines Professional Indemnity, Directors & Officers, and Employment Practices insurance in the one policy. Rather than have three separate policies which is almost always more expensive, the policies are rolled into one which is generally cheaper for the customer.

Directors & Officers Insurance
Directors of companies and incorporated associations are personally responsible for the financial viability of their organisations. A Directors & Officers insurance policy protects the personal assets of the directors and officers if the company or organisation is unable to meet it’s financial obligations or is financially mismanaged.

Employment Practices Insurance
Employees of an organisation may take legal action against their employer for such incidents
as wrongful dismissal, invasion of privacy, or a variety of discrimination violations. In such instances an Employment Practices policy will insure the business (the directors and officers and the corporation) against damages, judgments and legal costs incurred in defending employment related claims. This type of policy differs from a Directors & Officers policy in that it protects the whole organisation against such claims, not the directors and officers personally.

Information Technology Insurance
This type of policy incorporates Professional Indemnity and Public & Products Liability insurance. The reason for this is that computer software is regarded as a Product, and therefore the traditional policies are inadequate for IT companies. Companies who are contracting to the Government are required to have unusually high Professional Indemnity and Liability cover which would be impossible for them to obtain if not for this type of policy which is specific to their industry.

Professional Indemnity Insurance
Any organisation which provides advice or information that could be construed as advice can be sued by any party who acts on this advice and suffers a financial loss as a result. This policy provides indemnity for the insured in such a situation. The general inclusions of a Professional Indemnity policy include Defamation, Trade Practices Liability, Intellectual Property Infringement, and Loss of Documents.

Workers Compensation Insurance
Workers Compensation Insurance is compulsory in all Australian States and Territories, however, the rules governing this type of policy are diverse. In the ACT vastly different premiums may be payable depending on which insurance company is approached. Civic Insurance Brokers find the most competitive rate for our clients by seeking quotes from various insurance companies.

Office Pack Policies
This type of policy includes policy sections such as Fire & Extraneous Perils, Glass,
Money,Liability & General Property. An Office Pack Policy differs from a standard Commercial Pack by including Burglary as an Extraneous Peril rather than being treated as a separate policy section.

Claims Services
Civic Insurance Brokers are committed to ensuring the claim process is as effortless and stress-free for our clients as possible. As a broker, it is our responsibility to provide any assistance required from our customers to efficiently manage claims. We aim to lodge the claim with the insurance company and have it paid to our client in the least possible time. This involves following up the progress of the claim after lodgement on a regular basis until the settlement is received.

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