insurance manual Austral Construction Pty Ltd PERIOD: AUSTRAL CONSTRUCTION PTY LTD

Transcription

insurance manual
Austral Construction Pty Ltd
PERIOD: FROM 1 DECEMBER 2013 TO 30 NOVEMBER 2014
AUSTRAL CONSTRUCTION PTY LTD / INSURANCE MANUAL
PAGE 1
contents
SECTION 1 Introduction..................................................................................................................... 3 SECTION 2 Coverage Summaries ..................................................................................................... 4 Construction Material Damage – Annual Policy................................................................ 4 Commercial Motor ............................................................................................................ 6 Corporate Travel............................................................................................................. 10 Industrial Special Risk .................................................................................................... 14 Marine Hull ..................................................................................................................... 18 Mobile Plant & Equipment .............................................................................................. 25 Personal Accident – Journey .......................................................................................... 35 Protection Indemnity ....................................................................................................... 36 Public & Products Liability / Professional Indemnity ....................................................... 37 SECTION 3 Claims Procedures ....................................................................................................... 39 SECTION 4 Important Notices ......................................................................................................... 43 Un-insured Risks ............................................................................................................ 48 Insurance Terms Glossary.............................................................................................. 51 Financial Services Guide ................................................................................................ 53 SECTION 5 Service Directory .......................................................................................................... 56 AUSTRAL CONSTRUCTION PTY LTD / INSURANCE MANUAL
AUSTR959676
PAGE 2
SECTION 1
introduction
SECTION 1 INTRODUCTION
This Insurance Manual has been prepared as a “quick guide” to the various insurance policies maintained
by Austral Construction Pty Ltd and subsidiary and associated companies.
All insurance policies have the same period of insurance which is 01/12/2013 to 30/11/2014 apart from the
Combined Public Liability / Professional Indemnity policy which has a period of insurance of 31/10/2013 to
30/11/2014 and Management Liability which has a period of insurance of 01/06/2013 to 30/06/2014.
Please note that this Insurance Manual does not address the W.A Workers Compensation policy which
CKA do not arrange.
This manual is not a substitute for the actual policy documents and reference should always be made to
the policies for the full policy terms and conditions.
PAGE 3
SECTION 2
coverage summaries
SECTION 2 COVERAGE SUMMARIES
Construction Material Damage – Annual Policy
INSURER:
SRS Underwriting Agency
POLICY NO:
CONM 12 0000292
INSURED:
Including Contractors and Sub-contractors
CONSTRUCTION CONTRACT:
Projects commenced during the Period of Insurance for civil and
marine engineering including piling - as expiring.
Maximum Construction Period:
Maximum Contract Value:
CONTRACT SITE:
Australia primarily WA
PERIOD OF INSURANCE:
Construction Period:
18 Months
$15,000,000
From: 01/12/13, 4.00pm
To: 30/11/14, 4.00pm
Testing Period:
Maintenance Period:
SUM INSURED:
2 weeks
12 months
Material Damage
Contract Value (Full Cover):
Principal Supplied Materials And Items
Escalation - %
Total Contract Works Sum Insured
$15,000,000 (LaoIE)
Included (LaoIE)
$0 (LaoIE)
$15,000,000 (LaoIE)
Transit (within Contract Value)
$250,000 (LaoIE)
Pre-Existing Property
$100,000 (LaoIE)
Mobile Plant
$0 (LaoIE)
Huts and Tools
$500,000 (LaoIE)
Removal of Debris
$300,000 (LaoIE)
PAGE 4
Professional Fees
$300,000 (LaoIE)
Expediting Expenses
$250,000 (LaoIE)
Mitigation Expenses
$50,000 (LaoIE)
Total Sum Insured
$16,500,000(LaoIE)
Limit any one Indemnifiable Event (LaoIE)
WORDING:
SRS Construction Material Damage Annual Policy Wording (Version
0211)
ENDORSEMENTS:
EXCESS:
1.
Biological or Chemical Materials Exclusion
2.
Asbestos and Toxic Mould Exclusion
3.
Cap and Close Warranty
4.
Difference in Deductibles - as declared
5.
Off-Site Storage and Fabrication
6.
Piling, Foundation and Retaining Wall Works
7.
Pre-existing Property (arising out of Contract Works)
8.
CKA agreed endorsements
Major Perils *
$20,000
Minor Perils
$20,000
Transit
$5,000
Huts & Tools
$2,500
* Major Perils are earthquake, storm, flood, water, snow, ice, frost,
landslip, erosion, subsidence or collapse.
PAGE 5
Commercial Motor
INSURER:
Global Transport & Automotive Insurance
POLICY NO:
CPG003741-2
INSURED:
Austral Construction Pty Ltd & Jan De Nul NV and/or subsidiary
and/or related Corporations as defined under Australian Corporations
Law.
From:
1 December 2013
To:
30 November 2014 at 4.00pm LST at the Insured’s Head
Office
INTEREST INSURED:
Loss of and/or damage to all registered vehicles, trailers and motor
propelled machinery owned, operated, including those vehicles at
inception listed in the attached schedule and legal liability in respect of
third party property damage as more specifically described in Insurer’s
Policy Wording as identified below.
COVERING:
Section 1 – Own Damage
Loss of or damage to vehicles – refer attached Schedule of Vehicles
Section 2- Third Party Legal Liability
Liability for Third Party Property Damage caused directly or indirectly
by use, ownership, care or control of the vehicle.
SUMS INSURED:
Part A - Loss or Damage
Market Value or Sum Insured whichever is the lesser.
Part B - Third Party Liability
$30 Million including Supplementary Bodily Injury (CTP Gap Liability)
for registered vehicles, excluding vehicles registered in the Northern
Territory, but limited to $1,000,000 for Dangerous Goods.
VEHICLES INSURED:
As declared in Vehicle Schedule
LOCATION / RADIUS:
Australia wide
PAGE 6
DEDUCTIBLES:

Box Trailers
$200
 Sedans/Utilities/4WD up to $100,000 value
 All others

$1,000
1% of $1,000 whichever the greater
Excess applies to windscreen only claims (except Sedans and
Vehicles under 2T Carrying capacity)
OPTIONAL CONDITIONS:
POLICY WORDING:

Age and Inexperience excesses apply per Policy Wording.

Excess doubles whilst tipping.
EC106: Annual Adjustment
Global Transport Driveline Commercial / Fleet Policy POL553GT
(12/12) and additional wordings and additional endorsements as
detailed in the endorsement schedule.
ENDORSEMENTS:
Waiver of Subrogation
You are covered for your legal responsibilities under an agreement you
made with another party which required you to indemnify and/or hold
harmless and/or release that party from liability for loss, damage or
legal liability provided it:
- arises from an accident in the period of insurance and
- results from the use of your vehicle by you or your authorised driver
Hired in Sedans, Vans, utilities or Four wheel drives
It is noted and agreed that this policy is extended to include hired in
Sedans, Vans, utilities or Four wheel drives (with less that 2 tonne
carrying capacity) up to a maximum sum insured of $100,000.
The excess under this endorsement is $350 plus appropriate age or
inexperience excesses.
PAGE 7
Schedule of Vehicles
ITEM
NO
ASSET
CODE
YEAR
DESCRIPTION
REGISTRATION
LOCATION
DECLARED
VALUE
1
DYE368
Concrete Batch Plant
N/A
WA
$327,244.77
2
MVT015
Lexus LS460 Sedan
XFB875
VIC
$90,000.00
3
MVT002
Trailer, 8x4m Tandem
Q33451
VIC
$287.94
4
MVT044
Trailer, Tool Tandem
Q67530
VIC
$9,352.57
5
MVT046
2006
Toyota, Hilux 4x4 Du
RU6472
VIC
$3,526.00
6
MVT049
2006
Holden, Rodeo 4x2 C/Cab
UBY887
VIC
$2,217.00
7
MVT051
2007
Toyota, Prado GLX Re
1CKD341
WA
$7,832.13
8
MVT051a
N/A
Prado Accessories
N/A
WA
$445.31
9
MVT053
2007
Holden, Rodeo C/Cab
UOG183
VIC
$4,946.42
10
MVT055
2007
Toyota, Hilux
WOK407
VIC
$8,959.69
11
DYE279
N/A
WA
$12,059.98
12
MVT056
2008
Holden, Rodeo C/Cab
WCH375
VIC
$8,661.34
13
MVT059
2008
Holden Rodeo C/Cab
WCH382
VIC
$8,716.77
14
MVT061
2008
Toyota, Hilux 4x4
1CUT204
WA
$13,879.96
15
DYE302
Trailer, 8x5 Tandem
S6069
WA
$1,538.13
16
DYE303
Trailer, 8x5 Tandem
S7070
WA
$1,538.13
17
MVT063
2008
Water Truck, Hino AMS15000
1CYP907
WA
$73,687.89
18
MVT064
2009
Trailer, 8x5m Tandem
S70730
VIC
$1,704.55
19
MVT065
2008
Toyota, Prado Wagon
1CZY434
WA
$23,806.28
20
MVT066
2007
Prime Mover, Kenworth 4045
WDJ928
VIC
$79,110.28
21
MVT067
2007
Drop Deck Trailer
66974S
VIC
$69,221.43
22
MVT069
2009
Holden, Senator HSV
LAT073
VIC
$33,291.68
23
MVT068
2009
Holden, V8 Caprice
XID069
VIC
$24,006.26
24
MVT070
2009
Tipper, Hino 716 Crew & Tipper
1DGK393
WA
$19,342.94
25
MVT071
2009
Holden, Colorado C/C 4x4
XMU083
VIC
$16,947.92
26
MVT072
Drop Deck Trailer, 45' extendable
80100S
VIC
$78,635.11
27
DYE358
N/A
WA
$2,632.42
28
DYE396
Trailer, Tradesmans
T97750
WA
$13,904.26
29
DYE355
Dolly, Road Train Co
79652S
WA
$22,963.18
30
MVT074
2010
Truck, Nissan GW400
XYS294
VIC
$69,620.78
31
MVT074-2
N/A
Tipping Body, for Nissan XYS294
N/A
WA
$18,127.45
32
MVT075-2
N/A
Tipping Body, for Nissan XZU205
N/A
WA
$18,127.45
33
MVT077
2007
Toyota, Prado S/H
XZN409
WA
$27,684.37
34
MVT079
2010
Holden, Crew Cab
XYT975
VIC
$20,237.89
35
MVT074-1
N/A
Mixer, Quick Release
N/A
VIC
$31,951.14
36
MVT075-1
N/A
Mixer, Quick Release
N/A
VIC
$31,951.14
37
MVT075
2010
Truck, Nissan GW400
XZU205
VIC
$63,539.53
38
MVT083
2010
Toyota Prado 3.0T / D GXL
1DMK020
WA
$35,036.92
39
MVT084
Trailer, Tool Trailer Tandem
T97751
WA
$48,927.84
40
MVT076
Nissan GW400 Water Cart
YEM059
WA
$106,634.75
Tipper Demo Body for Kentworth
N/A
Water Canon for MVT063
PAGE 8
ITEM
NO
ASSET
CODE
YEAR
DESCRIPTION
REGISTRATION
LOCATION
DECLARED
VALUE
41
MVT081
Tray Truck, Isuzu
1DOC105
WA
$21,564.67
42
MVT082
Tray Truck, Isuzu
1DOC106
WA
$21,564.67
43
MVT081a
Isuzu Truck ROPS for 1DOC105
N/A
WA
$11,655.64
44
MVT088
Toyota Prado
1DMW155
WA
$33,228.94
45
MVT089
Holden Calais V-Series 3.61 V6
YGF093
VIC
$28,654.27
46
MVT082a
Isuzu Truck ROPS for 1DOC106
N/A
WA
$11,655.64
47
MVT086
Truck, Nissan UD
YHP185
WA
$94,664.75
48
MVT087
Truck, Nissan UD
YHP192
WA
$94,664.75
49
MVT078
Trailer, Rubbish, 8x5 Tandem
T82751
WA
$5,956.92
50
MVT090
Trailer, Fuel 8x5 tandem
U12807
WA
$33,787.71
51
MVT091
Trailer, Tool, 8x5 tandem
U12828
WA
$53,607.13
52
MVT093
Truck, Isuzu NPR300 Crew Cab
1DRH411
WA
$41,103.23
53
MVT092
Trailer, Tool, 8 x 5 tandem
U57530
WA
$55,988.74
54
MVT094
Trailer, Rubbish
U26079
WA
$10,397.63
55
MVT096
Prado GXL Diesel Wagon
YHN920
WA
$40,995.06
56
MVT095
Holden VE Commodore
YMC777
VIC
$26,605.22
57
DYE441
Trailer, Tandem 8 x 5
U41010
WA
$7,402.34
58
DYE442
U41011
WA
$7,402.35
59
DYE443
U41012
WA
$7,402.35
60
MVT097
Trailer, Diesel
TBA
WA
$35,061.89
61
MVT098
Trailer, Diesel
TBA
WA
$35,061.89
62
MVT099
Crew Cab Ute, Isuzu
TBA
WA
$45,949.52
63
MVT100
Crew Cab Ute, Isuzu
TBA
WA
$45,949.52
64
MVT101
Crew Cab Ute, Isuzu
TBA
WA
$45,949.52
65
MVT102
Crew Cab Ute, Isuzu
TBA
WA
$45,949.52
66
MVT103
Toyota, Hiace 3.0L 1
TBA
WA
$55,885.28
67
MVT104
Toyota, Hiace 3.0L 1
TBA
WA
$56,550.22
68
MVT107
Tractor, JD 6230 -S
TBA
WA
$56,704.56
69
MVT105
Trailer, 60T Pile carrier
TBA
WA
$44,630.52
70
MVT106
Trailer, 60T Pile carrier
TBA
WA
$42,121.73
71
MVT441
Tandem Trailer
U41010
WA
$9,159.00
WA
$9,159.00
WA
$9,159.00
72
MVT442
Tandem Trailer
U41011
73
MVT443
Tandem Trailer
U41012
$2,577,892.78
PAGE 9
Corporate Travel
INSURER:
Accident & Health International Underwriting P/L
POLICY NO:
0032894
INSURED:
Austral Construction Pty Ltd and/or related companies and/or subsidiary
companies.
BUSINESS DESCRIPTION:
Principally Marine & Civil Engineering Contractors and/or related and/or
associated activities
From:
To:
1 December 2013
30 November 2014 at 4.00pm Local Standard Time at the
Insured’s Head Office
COVERAGE:
The coverage afforded by this policy shall only apply whilst the Insured
Person is engaged on Authorised Business Travel which shall be deemed
to mean, travel undertaken on the business of the Insured and/or the
Insured Person, authorised by the Insured provided such travel involves a
destination outside a radius of 50 km and provided such travel excludes
every day travel to and from work.
Authorised Business Travel shall also include associated holiday travel.
Cover also extends to include directors of the Insured and accompanying
family members for private holiday travel interstate and outside Australia.
Such cover shall commence from the time the Insured Person leaves their
normal residence or place of business, whichever is the place of departure
for the commencement of the journey and be continuous on a full-time 24
hour basis until the Insured Person returns to their normal residence or
place of business, whichever first occurs. If applicable, cover shall also
include accompanying persons travelling separately on the outgoing or
incoming journey to directly join or leave an Insured Person.
SITUATION:
Anywhere in the World
PAGE 10
INSURED PERSONS:
All Directors (Executive and Non-Executive), Executives, Chief Financial
Officer, Company Secretary and Employees of the Insured (including
accompanying family members, defactos, and Partners) and Contractors
and/or Consultants as authorised by the Insured.
Includes members of the Insured Persons family travelling un-accompanied
to meet the Insured Person.
SUMS INSURED
Maximum Benefit Payable – Each Insured Person
Section 1 – Personal Accident
Maximum Death and Capital Benefits (Events 1-19)
$500,000
(limited to $20,000 for Dependent Children aged 18 years and under)
Weekly Benefit (Event 20)
$2,000
(limited to a maximum of 85% of Salary)
Weekly Benefit (Event 23)
$2,000
(limited to a maximum of 85% of Salary)
Section 2 - Medical Expenses
Medical, Medical Evacuation and AHI Assist
Unlimited
Section 3 - Additional Expenses
Limit any one claim
$100,000
Section 4 – Baggage, Travellers’ Cheques, Travel Documents, Credit
Cards and Money
Baggage, Travellers’ Cheques, Travel Documents, Credit Cards $10,000
(limited to 50% of Sum Insured any single item)
(limited to $5,000 any one claim for goods used in connection with
business)
Computers & Electronic Equipment
$5,000
Money
$5,000
Section 5 - Loss of Deposits & Cancellation Charges
Limit any one claim
$20,000
Section 6 – Kidnap, Detention, Extortion and Ransom
Limit any one claim
$500,000
Mexico, South and Central America are sub-limited to
$250,000
Section 7 – Extra Territorial Workers’ Compensation
Damages and Common Law for any one claim
$2,000,000
Annual aggregate for all claims
$2,000,000
PAGE 11
Section 8 - Hire Car Excess Expenses
Limit any one claim
$10,000
(Note – all insurances must be taken with the rental
organisation (except the excess buy-back)
Section 9 - Alternative Employee Expenses
Limit any one claim
$10,000
Section 10 - Personal Liability
Limit any one claim
$10,000,000
Section 11 – Evacuation Cover and Personal Safety
Limit any one claim
$50,000
Section 12 - Life Insurance (first four weeks of travel)
Limit any one claim
Section 13 – Difference in Conditions
$50,000
Not Included
AGGREGATE LIMIT OF LIABILITY:
$5,000,000
LIMIT ANY ONE EVENT:
Charter / Non-scheduled flights (including helicopters)
$1,000,000
Nuclear, Biological and Chemical Terrorism
$1,000,000
DEDUCTIBLES:
Section 4 – Baggage
$250
Only applies to Personal Computers including laptops, cameras and
camera equipment, and all electronic equipment including mobile phones,
personal digital assistants (PDA), electronic organisers, palm pilots and
other hand held computers
All other sections
POLICY WORDING:
Nil
Accident & Health International Underwriting CT PDS/WRD 01/11 ST
PAGE 12
ENDORSEMENTS:

Includes all charter flights where the Insured Persons travel as
passengers (including helicopters and single engine aircraft) if
declared.

Section 6
It is hereby declared and agreed, Kidnap, Detention, Extortion and
Ransom, Exclusion 2 is deleted in it’s entirety.
Mexico, Central and South America is limited to $250,000

Condition 7 (1) is deleted and replaced by:
7. Cancellation
1. This Plan may be cancelled by You at any time by giving us Written
notice, in which We shall allow a pro-rata refund of the unexpired
portion of the premium.
PAGE 13
Industrial Special Risk
INSURER:
CGU Insurance Limited
POLICY NO:
TBA
INSURED:
and
(a) Subsidiary companies, organisation and other associated companies as
defines
under
Section
50AAA
of
the
Corporations
Act
2001
(commonwealth), and
(b) social and sports clubs (including the committees and officers from time
to time of unincorporated bodies) and the trustees of the Insured's
superannuation and pension funds and welfare organisations, and
(c) all organisations and other entities to whom (whether mortgagees,
lessors, joint ventures or other parties with a legal or equitable interest
in the property Insured) the named Insured has a responsibility to
maintain insurance;
all for their respective interests, rights and liabilities and to the extent that
they are not more specifically insured elsewhere.
DESCRIPTION OF BUSINESS:
Principally civil engineering design and construction contractor, foundation
piling contractor, ground retention structures contractor, property owner and
occupier and all other associated activities.
INTEREST INSURED:
From:
1st December 2013
To:
30th November 2014 @ 4.00pm LST at the Insured’s Head Office
Section 1 - Material Damage
All property of every kind and description owned, used, under the control of
the Insured, for which the Insured is responsible or has agreed to insure or
has an insurable interest, other than property specifically excluded.
Section 2 - Business Interruption
An interruption to the business resulting form loss or damage to insured
property from a peril not otherwise excluded.
SITUATION:
Principally 112-126 Hallam Valley Road, Dandenong, Victoria 3175 and
anywhere in Australia where property insured may be located either
permanently or temporarily.
PAGE 14
LIMIT OF LIABILITY:
Sections 1 and 2 Combined
$6,000,000 any one loss or series of losses arising from any one event in
excess of underlying policy deductibles as specified.
Sub-Limits of Liability:
The Limit of Liability shall be further limited by the following Sub-Limits of
Liability, which shall apply in excess of any policy deductible.
Section 1 – ISR - Material Damage
Unspecified Damage
$500,000
Damage Diminution and Accidental Discharge Costs (B)
$25,000
Loss Minimisation
$25,000
Personal Property of Employees and Others (B)
(Per Person)
(any one event)
$5,000
$10,000
Accompanied baggage in Australia (C)
(per person)
$5,000
(any one event)
$10,000
Liability to make Enquires (A)
$25,000
Statutory Inquires
$25,000
Unpacking Expenses
$10,000
Liability for Duty
$50,000
Landscaping (C)
$20,000
Cost of Clearing Blocked Drains, Pipes, Filters and Pumps (B)
$20,000
Expediting Expenses
$50,000
Loss of Land Value (B)
$100,000
Customers Goods
$50,000
Securities (A)
$20,000
Works of Art, Antiques and curios
$50,000
Abandoned Undamaged Portion of Building
$250,000
Extra Cost of Reinstatement
$100,000
Additional Extra Cost of Reinstatement
Removal of Debris
Not Insured
$100,000
Theft, or any attempt thereat:
Alarmed Premises
$50,000
Non-Alarmed Premises
$10,000
Theft of property in the open air
$50,000
Money:
On premises/during business hours
$5,000
All other
$1,000
Weather damage to certain property
Decorative Livestock (Fire Cover Only)
Temporary Removal Exemption (B)
$10,000
Not Insured
$100,000
PAGE 15
Glass
Replacement Value
Rewriting of Records/Valuable Papers
$10,000
Architects and Surveyors Fees
$25,000
Statutory Authority Fees
$25,000
Fire Extinguishment Costs
$25,000
Temporary Protection
$10,000
Replacement Locks and/or Keys
$25,000
Section 2 – Consequential Loss
Gross Profit
Not Insured
Gross Revenue
Not Insured
Gross Rentals
Not Insured
Claims Preparation Costs
$20,000
Payroll
Not Insured
Severance pay
Not Insured
Additional Increased Cost of Working
$500,000
Remote Premises of Public Utilities (B)
$100,000
Premises in the Vicinity (Prevention of Access)
$100,000
Contractual Fines and Penalties (B)
$100,000
Interdependency - Australia
Not Insured
Unspecified Suppliers and/or Customers premises
(Australia & New Zealand) (Single Limit) (B)
$100,000
Unspecified Suppliers and/or Customers premises
(Australia & New Zealand) (Worldwide) (B)
Other Contributing Properties (A)
Not Insured
$10,000
Royalties Receivable (B)
Not Insured
Royalties Receivable Name of Entity (B)
Not Insured
Accounts Receivable (B)
$100,000
Trade Exhibitions (A)
$100,000
Quarantinable Diseases infectious or Contagious Diseases; Vermin, pests or Defective Sanitary
Arrangements;
Food or Drink Poisoning; Murder, Suicide (In Aggregate)
$250,000
Sections 1 & 2 Combined
Acquired Companies
$2,000,000
(Cover subject to Insurers receiving notification within 30 days of
acquisition)
Properties located above 25th Parallel
Not Insured
New property Acquisitions
$2,000,000
(Cover subject to Insurers receiving notification within 30 days of
acquisition)
PAGE 16
Properties located above 25th Parallel
Not Insured
Flood
DEDUCTIBLES:
$100,000
Section 1 - Material Damage
(i) Earthquake, subterranean fire or volcanic eruption:
(a) $20,000 or
(b) an amount equal to 1% of the total declared values at the
situation where the damage occurs whichever is the lesser
(ii) Any physical loss, destruction or damage occasioned by or happening
though:
(a) Named Cyclone
$2,000
(b) Flood
$5,000
(iii) All other losses
$1,000
Section 2 - Consequential Loss
The Insured shall bear the following amount(s) in respect of each claim or
series of claims arising out of any one original source or cause:
(a) Remote Premises of Public Utilities (B)
72 hours
(b) Premises in the Vicinity (Prevention of Access)
72 hours
(c) Quarantinable Disease: Infectious or Contagious
Diseases; Vermin, pests or Defective Sanitary
Arrangements; Food or Drink Poisoning; Murder, Suicide
72 hours
(d) Unspecified Suppliers and/or Customers Premises
(Australia & New Zealand (Single Limit) (B)
72 hours
should more than one deductible appear under this policy for any claim or
series of claims arising from the one event, such deductibles shall not be
aggregated - the highest single level of deductible only shall apply.
POLICY WORDING:
Steadfast Mark IV Wording with endorsements.
INDEMNITY PERIOD:
12 months
DECLARED VALUES:
Section 1 – All Property Insured
$5,110,000
Section 2 – Consequential Loss
$520,000
PAGE 17
Marine Hull
INSURER:
ACE Insurance Limited
POLICY NO:
TBA
INSURED:
Austral Construction Pty Ltd and/or subsidiary companies and/or related
companies.
From:
30 November 2013 at 4pm WST
To:
30 November 2014 at 4pm WST
INTEREST INSURED:
As per Schedule
NAVIGATING LIMITS:
Within 200nm of Western Australian Coast (or as agreed)
UTILISATION:
Workboats
AGREED VALUE:
As per Schedule
DEDUCTIBLE:
As per Clause 12.1 $5,000 each and every vessel other than MOV046
$10,000 and Plant and Equipment $1,000.
PAGE 18
SCHEDULE
Combi Float
ASSET CODE
DESCRIPTION
MPV046
MPV046a
DYC014
DYC015
MPE043
Semp, Combi Float &
powerpack, Hydraulic
Winch, M25-3-86-3 Pu
Winch, M25-3-86-3 Pu
Winch, Pullmaster
DECLARED VALUE
$2,349,999.69
$100,000.45
$15,190.85
$15,190.85
$14,907.83
$2,495,289.67
Swissco
ASSET CODE
MPV047
MPV043
MPV044
MPE001
MPE039
MPV043A
MPV047A
DESCRIPTION
Barge, Swissco (ex A
"Winch, ""Emu"" Moor
Anchors, 3000kg Talo
Anchors, 4(of)
Handrail Panels Mono
Winch System Upgrade
Swissco Upgrade
Workboats & Outboard Motors
ASSET CODE
DESCRIPTION
DYM016
DYM030
MPV045
MPV048
MPE042
MPE026
MPE048
MPE049
MPE047
Workboat, "Imogen"
Workboat "Thursday"
Workboat, "Friday"
Workboat "Majestic"
Yamaha Long Leg Outboard 25hp
Yamaha Long Leg Outboard 25hp
Outboard Grey, Metallic 60hp
Outboard 15hp 4str Metallic Grey
Outboard 15hp 4str Metallic Grey
DECLARED VALUE
$565,683.37
$239,999.73
$50,000.00
$1,737.30
$1,761.84
$61,345.38
$334,316.25
$1,254,843.87
DECLARED VALUE
$50,000.00
$20,000.00
$10,000.00
$20,840.21
$5,000.00
$5,000.00
$5,000.00
$3,000.00
$3,000.00
$121,840.21
PAGE 19
WORDING:
COVER SECTION 1: HULL & MACHINERY
1.1 Institute Time Clauses – Hulls 1/10/83 amended as follows:
Clause 1.2 deleted

Lines 29 & 30 deleted

Clause 6.2.4 – The words “provided such repairs or charterers are not an Assured hereunder”

Clause 8 (Collision Liability) deleted

Clause 12.3 deleted and replaced with the following
DEDUCTIBLE RECOVERIES
12.3 Excluding any interest comprised therein, recoveries against any claim which is subject to the above
Deductible shall be credited proportionately between the Assured and the Underwriters. In determining the
relative proportion the Assured shall be entitled to recover such proportion according to the ratio between the
Deductible and the sum paid by Underwriters.

Clause 22 amended to “Cancelling Returns Only” – daily pro rata

Institute Additional Perils Clause – Hulls 1/10/83

Including accidental dropping overboard or falling off and theft of the outboard motor(s) even when not
locked or bolted to the dinghy/tender/life raft.
COVER SECTION 2: DISBURSEMENTS/INCRERASED VALUE (ADDITIONAL TOTAL LOSS COVER)
2.1 Institute Time Clauses – Hulls Disbursements and Increased Value (Total Loss Only including excess
liabilities) 1/10/83 amended as follows:
Clause 1.2 deleted

Lines 28 & 29 deleted

Clause 6.4.3 deleted

Clause 11 - Cancelling returns only
2.2 This insurance shall also cover Total Loss (Actual, Constructive or Compromised) caused by any peril or
circumstance insured against under Section 1.
2.3 Policy Proof of Interest – Full Interest Admitted
PAGE 20
COVER SECTION 3: CLAUSES APPLICABLE TO ALL SECTIONS
3.1 Institute Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons
Exclusion Clause 10/11/03
3.2 Institute Cyber Attack Exclusion Clause 10/11/03
3.3 Sanction Limitation and Exclusion Clause
3.4 Asbestos Exclusion Clause
3.5 Institute War and Strikes Clauses 1/10/83
It is hereby understood and agreed that this insurance shall not apply to and does not cover any actual or
alleged liability whatsoever for any claim or claims in respect of loss or losses directly or indirectly arising out of
or resulting from or in consequence of asbestos in whatever form or quantity.
COVER SECTION 4: ADDITIONAL CLAUSES
As attached (applicable to all sections of this policy)
IT IS AGREED THAT SECTIONS 1 AND 2 ARE DEEMED TO BE SEPARATE CONTRACTS OF
INSURANCE.
ADDITIONAL CLAUSES ATTACHING TO AND FORMING PART OF THE POLICY SCHEDULE

Australian Jurisdiction Clause

Automatic Attachment Clause

Cancellation (Non payment of premium) Clause

Civil Authority Clause

Equipment Onshore Clause

Errors & Omissions Clause

Extension of Cover Clause

Loss Accumulation and Aggregate Deductible Clause

Other Interested Party Clause

Refit Clause

Salvage Charges Clause

Separate Insurance Clause

Transpiration & Laying Up Clause

Waiver and Release Clause
PAGE 21
AUSTRALIAN JURISDICTION CLAUSE
In relation to all claims under this insurance the Underwriter submits to the jurisdiction in all Australian Courts in
the Capital Cities and Territories in Australia.
AUTOMATIC ATTACHMENT CLAUSE
Should the Assured acquire an insurance interest in any additional vessel(s) through purchase, charter or
otherwise, then such insurance as is afforded by this policy to other similar vessels will also attach to such
additional vessel(s) as at the time of the attachment of the risk to the Assured. Further, such vessel(s) to be
valued, unless otherwise agreed, at the amount fixed between the Assured and the vendor prior to attachment
hereunder. The Assured agrees to notify the Underwriter of any additional vessel(s), as soon as reasonably
practicable and to pay such additional premium at the agreed rate for similar vessels or as may be mutually
agreed between the Assured and Underwriters – limited to a maximum of $2,000,00 any one additional vessel.
CANCELLATION (NON PAYMENT OF PREMIUM) CLAUSE
Where the Assured fails to pay CKA Risk Solutions (the Broker) the premium or any instalment thereof the
Underwriter may issue notice of cancellation giving such notice in writing requiring the Assured to pay the
premium on or before any date which may be specified in such notice (but not less than 7 days notice shall be
given) and if the Assured fails to pay the premium on or before the date so specified the policy shall be
cancelled from the date specified in the notice.
The Underwriter will thereupon return to the broker through whom this policy is effected daily pro-rata premium
from the date of cancellation.
CIVIL AUTHORITY CLAUSE
Notwithstanding anything contained in this Policy to the contrary it is agreed that property which is insured
under this Policy is also covered against the risk of damage or destruction by civil authority during a
conflagration or other catastrophe and/or for the purpose of retarding same.
EQUIPMENT ONSHORE CLAUSE
Notwithstanding the perils clause contained in the Institute Time Clauses – Hulls 1/10/83 as attached hereto,
this policy is extended to cover all risks of loss or damage to, any machinery and/or equipment and/or parts of
the vessel, whilst removed from the vessel (including storage on land and transit to and from the vessel) for the
purpose of:repairs, such repairs being occasioned by a casualty to the insured vessel during the period of insurance.
general maintenance during the period of insurance
storage on land during any period where the vessel is in port laid up out of commission
Subject to Limit of $100,000 and deductible of $1,000
PAGE 22
OTHER INSURANCE:
There shall be no right of recovery under this Equipment Onshore Clause in respect of any claim which is
otherwise recoverable under insurance arranged by or on behalf of the Assured
ERRORS AND OMISSIONS CLAUSE
The Assured shall not be prejudice by any unintentional or inadvertent error, omission, non-disclosure or
misrepresentation provided notice is given to the Underwriter as soon as practicable upon the discovery by the
Assured of any such error, omission, non-disclosure or misrepresentation.
Where any error, omission, non-disclosure or misrepresentation is discovered by the Assured at the time of the
loss it is agreed as between the Assured and the Underwriter, that the Underwriters liability in respect of a
claim(s) may be reduced to an amount that would place the Underwriter in a position in which the Underwriter
would have been if the error, omission, non-disclosure or misrepresentation had not been made.
which is otherwise recoverable under insurance arranged by or on behalf of the Assured.
OTHER INTERESTED PARTIES CLAUSE
The Underwriters will indemnify, as though they were the named Assured, all parties interested in the vessels
and/or their equipment hereby insured by way of mortgage, loan, lease, hire purchase or other agreement, and
the Underwriter shall waive all rights of subrogation which may have otherwise existed against such parties.
REFIT CLAUSE
It is agreed that if any vessel or vessels hereunder shall undergo an engine refit, structural alterations or repairs
the perils insured against shall be automatically amended to provide all risks of loss or damage to the subject
matter insured caused and discovered during the period of the engine refit, structural alternations or repairs
including the costs of repairing or replacing or renewing any defective part condemned solely in consequence
of the discovery therein, during the period of the engine refit, structural alternations or repairs, of a latent defect.
SALVAGE CHARGES CLAUSE
Where a claim for partial loss of the vessel is admitted under this policy and salvage charges for which the
Assured is legally liable, have been incurred, in saving or attempting to save the vessel, then the Underwriters
agree to reimburse the Assured their servants or agents for such salvage charges so incurred.
The sum recoverable under this clause shall be payable in addition to the partial loss otherwise recoverable
under this insurance but shall in no circumstances exceed the agreed value and amount insured in respect of
the vessel.
SEPARATE INSURANCES CLAUSE
If more than one vessel is insured under this insurance, each vessel is deemed separately insured, as if a
separate policy had been issued in respect of each policy.
PAGE 23
TOWAGE CLAUSE
Notwithstanding anything contained in this policy to the contrary, it is agreed that the vessel(s) insured
hereunder may tow or be towed as desired without advice to Underwriters or the requirement of additional
premium, provided that where an insured vessel is engaged in towage operations other than in respect of:
towage of vessels in distress or as is customary
towage of vessels owned by or chartered to or managed by or under the control of the Assured or vessels
belonging to a parent or subsidiary company
The conditions of towage must be in accordance with, in unamended form, one of the following alternate
contract forms.
The United Kingdom, Netherlands or Scandinavian Towage Conditions
The International Ocean Towage Agreements “Towhire” or “Towcon” Conditions
Lloyds standard Form of Salvage Agreements LOF 1980, LOF 1995 or LOF 2000
BIMCO Supplytime 1989 or Supplytime 2005 Charterparty
Any other contract or agreement on terms no less favourable than “knock for knock”
Notwithstanding the foregoing, cover under this policy in respect of loss or damage to the insured vessel(s) will
not be prejudiced by failure of the Assured to enter into Towage Conditions prescribed as above
TRANSPORTATION AND LAYING UP CLAUSE
The vessels are covered whilst laid-up, afloat or ashore including hauling out and launching or on trial trips
within the limits of the policy
Land transit is permitted within 50 kilometres from the place of hauling out to lay up site, whilst there and return
including slipping, dry docking and repairs on land.
Land transit outside 50 kilometres radius and also sea transit is held covered subject to notification to the
Underwriters and payment of any additional premium, if required, without diminution of cover. Including General
Average in respect of sea transport.
WAIVER AND RELEASE CLAUSE
Underwriters hereby agree to waive any rights of subrogation against:
Any Assured named in this policy or any co-owner of interest hereby insured (including any directors, officers,
employees or servants thereof)
Any corporation, organization or other entity (including any directors, officers, employees or servants thereof)
owned or controlled by or subsidiary to any Assured named or described in this insurance.
The Assured may without prejudicing its rights of recovery hereunder enter into any contract or agreement that
has the effect of releasing from liability any third party that may be responsible for any loss, damage or expense
recoverable hereunder.
PAGE 24
Mobile Plant & Equipment
INSURER:
Underwriting Agencies of Australia Pty Ltd
POLICY NO:
TBA
INSURED:
Austral Construction Pty Ltd, Jan De Nul NV and/or subsidiary
companies and/or related companies.
TERRITORIAL LIMITS:
LIMIT OF LIABILITY:
From:
1 December 2013
To:
30 November 2014 at 4.00pm LST at the Insured’s Head Office
Section 1 to 6:
Anywhere in Australia
Section 7:
Worldwide excluding North America
Section 1- Damage
Sum Insured:
$10,949,450
Limit Any One Loss:
$10,000,000
Excess % of sum insured:
Minimum excess (whichever greater):
1%
$5,000
Items covered by this Section
1,2,3,4,5 but more fully as per Broker provided Schedule dated 15
November 2013.
Section 2 - Hired In Plant
Blanket Cover
Yes
Max Sum Insured Any One Machine (unless on Schedule): $1,000,000
Max Sum Insured All Machines:
Hiring Charges:
Limit Any One Loss:
Indemnity Period (Hiring Charges):
Initial Period (Hiring Charges):
Excess % of sum insured:
Minimum excess (whichever greater):
On Hire/Dry Hire terms:
$9,914,000
$150,000
$10,000,000
13 Weeks
14 Days
1%
$5,000
Not Insured
PAGE 25
Section 3 - Additional Benefits
Additional Benefits
Section 1 - Damage
Sum Insured Excess
Damage Lifted Goods
Section 2 - Hired In Plant
Sum Insured
Excess
$5,000
$5,000
$5,000 $5,000
Expediting Costs
$10,000
$10,000
Rec/Cost (No Damage)
$50,000 $5,000
$50,000
Rec/Cost (Damage)
$250,000
$250,000
$50,000
$50,000
$1,000,000
Blanket
Extra/Cost Reinstatement
Add/Del Machines
Optional Additional Benefits
Owners Protection
$5,000
Section 1 –
Section 2 –
Damage
Hired In Plant
Included
Included
Owners Protection Plus
Not Included
Not Included
Hired Out Plant (Damage Waivers)
Not Included
Not Included
Section 6 - Road Risk
Sum Insured:
Excess:
$20,000,000
$1,000
Items covered By this Section
Item Number
CLAUSES APPLICABLE:
Dangerous Good Limit
6
$500,000
7
$500,000
Hired in Plant - Blanket Cover
Cover for Machines on Watercraft
Down Hole Exclusion
POLICY WORDING:
Industrial Special Plant QM2003-0811
PAGE 26
GENERAL PAGE:

Combined Limit any one Loss for Sections 1 to 5:The Aggregate of all
indemnity and all other amounts under any additional Benefits payable
under sections 1 to 5 in respect of the period of insurance shall not
exceed $10,000,000.

Hired in Plant Risk: It is noted that Section 2 includes the items
previously specified on the policy and included in the Brokers Schedule
provided (TAV $9,914,000).

There is an aggregate limit of $300,000 payable on claims made for
Hired in Plant ongoing Hire Fees.

The excess in respect to work over water shall be 2% subject to a
minimum of $10,000.

The excess in respect to Named Cyclones shall be 3% subject to a
minimum $20,000.

WGC Cranes dry hire is noted as Named Insured in respect to the
Liebherr LR1280 28T Crawler Crane, sum insured $2,420,000.

It is noted that cover for work over water will be included automatically
for machines with a sum insured up to $1,000,000.

All machines working over water with a sum insured / market value over
$1,000,000 must be declared for acceptance.

All work over water must be conducted in accordance with all rules /
regulations & guidelines governing such work.
PAGE 27
Schedule of Mobile Plant & Equipment
ITEM NO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
ASSET CODE
DYP045
DYP030
DYH029
DYP013
DYC001
DYH037
DYL009
DYH021
DYP018
DYH030
DYH031
DYE028
DYE210
DYE049
DYE050
DYE053
DYE056
DYE109
DPB002
DPB003
DPB004
DPB005
DPB006
DPB010
DYC006
DYC008
DYP001
DYP007
DYP008
DYL002
DYL006
DWE004
DYP013A
DHY010
DYE185
DYE037
DYE038
DYE057
DYE059
DYP004
DYE103
DYE096
DYE085
DYE101
DYL007
DYL008
DYP015
DYE182
DYE180
DYE184
DYE187
DYE189
DYE200
DYE201
DESCRIPTION
Hammer, Banut 655 Hy
Piling Rig, Bauer RT
Hammer, IHC Hydro Ha
Piling Rig, ABI Pili
Crane, IHI 50T Crawl
Hammer, IHC S-90 Hyd
Power Supply, Hydrau
Powerpack, 575hp C15
Vibrator-Hyd J&M 44Hammer Sleeves, 2(of
"Hammer Sleeve, 36""
Pump, Hand Pump & 30
Pump, Centrifugal, C
Rigging (continually
Safety Equipment Sto
Ground Release Shack
Steel, Checker Plate
Work Box for Bauer P
Container, 6 x 2.4m
Container, Tools Sto
Container, 6 x 2.4m
Container, 6 x 2.4m
Container, 6 x 2.4m
Container, 6 x 2.4m
Crane basket 3(of)
Forklift, 6t, Cat. 1
Augers
Excavator/Auger 800m
Excavator/Auger Shaf
Leaders, Taree Leade
Piling Rig Moonbeam
Drill, Pedestal 5' r
Piling Rig, ABI Refu
Power Pack, Volvo fo
Hammer, Electric Dem
Powerpack, Hydraulic
Powerpack, Hydraulic
Theodolite
Water Tank, 4500 ltr
Excavator/Hydraulic
Welder, 140amp WRITE
Pump, Hand, Hydrauli
Jack, 100t Hydraulic
Tank, Fibreglass, ex
Leader, Hanging Lead
Leader, Hanging Lead
Auger, Earth Auger P
Pump & Water Spray S
Pipe Rollers Motor U
Jack, 800t/150mm Str
Tripod & Staff
5550kN Test Beam, Ro
Strongbacks, 130(of)
Strongbacks, 40(of)
DECLARED VALUE
$2,400,000.47
$1,682,058.86
$599,999.95
$316,808.76
$350,000.57
$500,000.48
$300,000.35
$200,000.28
$184,677.00
$119,999.54
$102,939.98
$229.40
$2,918.56
$2,994.26
$374.03
$321.12
$688.23
$37.32
$449.01
$8,408.39
$449.01
$449.01
$449.01
$449.01
$3,394.67
$8,486.49
$2,293.50
$917.37
$263.74
$20,642.65
$5,989.17
$2,280.21
$137,862.37
$2,806.80
$187.30
$344.15
$573.15
$229.40
$229.40
$3,440.49
$74.96
$104.71
$114.63
$187.30
$3,440.49
$3,440.49
$1,497.52
$374.03
$10,506.68
$898.30
$581.86
$4,592.02
$2,919.72
$778.47
PAGE 28
ITEM NO
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
ASSET CODE
DYE202
DYE208
DYE209
DYE148
DYP011
DYE176
DYE177
DYE178
DPB032
DPB034
DPB036
DPB037
DYE188
DYE192
DYE190
DYE131
DYE156
DYE154
DYE143
DYE803
DYE159
DYE160
DYE161
DYE162
DYE163
DYE164
DYE165
DYE191
DYE169
DYE043
DOE043
DYE167
DYE284
DYE137
DYE145
DYP020
DYE393
DYE211
DYP023
DYH017
DYE219
DYE223
DYE226
DYE227
DYE228
DYE229
DYE230
DYE231
DYE232
DYE233
DYE234
DESCRIPTION
Strongbacks, 30(of)
Screw Jacks, L&R 30(
Z-Bar Lifters Probe
Bucket, 20t Mud Buck
Bucket, 1.20m Atlas
Fuel Bund
Fuel Bund
Fuel Bund
Container, 3.2 x 2.4
Container, 6 x 2.4m
Container, 6 x 2.4m
Container, Welding,
Brevini Hydraulic Dr
Laser Level
Green Electric Demo.
Grout Pump 1 metre (
Grout Pump Power Pac
Welder Equipment Sub
Powerpack, 15000kg L
Laser Level, Dumpy
Container Base, 6 x
Container Base, 6 x
Container Base, 6 x
Container Base, 6 x
Container Base, 6 x
Container Base, 6 x
Container Base, 6 x
Pump, Sykes
Vibrator, Steel Petr
Hydraulic Tester
Heater, Wildcat 180
"Pump, Vacuum 6"" Sy
Vibrator Jaws for MR
Welder, 400amp Linco
Bucket, 800mm 15t Ro
15 tonne rock grab f
Vibration Roller, Ne
Generator, Honda 5.5
Bucket, GP Drilling
Hammer, Cordless Rot
Wacker incl. Vibr Pl
Jacks, Sand Jacks 84
Noise Dose Meter, Ca
Squat Ram 100t Squat
Squat Ram 50t Squat
Squat Ram 50t Long R
Squat Ram 100t Long
Squat Ram 500t Long
Squat Ram 500t Long
Squat Ram 500t Long
Squat Ram 500t Long
DECLARED VALUE
$404.48
$224.52
$936.02
$299.49
$374.03
$275.10
$275.10
$275.10
$299.49
$299.49
$134.74
$134.74
$10,183.78
$642.68
$185.83
$6,880.97
$3,440.49
$2,994.26
$261.84
$224.52
$134.74
$134.74
$134.74
$134.74
$134.74
$134.74
$134.74
$207.28
$187.30
$299.49
$108.08
$2,620.23
$2,054.99
$1,160.55
$224.52
$2,036.92
$29,680.87
$465.02
$537.29
$122.71
$456.41
$1,525.71
$2,690.49
$49.27
$17.55
$26.27
$34.99
$63.36
$73.89
$77.33
$94.90
PAGE 29
ITEM NO
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
ASSET CODE
DYE221
DYC013
DYE235
DYE241
DYE240
DYE045
DYH023
DYH010
DYE262
DYE263
DYE255
DYE257
DYE258
DYE259
DYE256
DYE260
DYE264
DYE261
DYE269
DYH022
DYC016
DPB101
DYE275
DYC017
DYH027
DYH028
DYE276
DYC010
DYP027
DYE277
DWE050
DPB111
DWE053
DWE055
DWE056
DWE057
DWE058
DWE061
DWE060
DYE280
DYE282
DWE062
DYE281
DYE283
DWE063
DYE285
DYE286
DYE287
DYE292
DYP033
DYE293
DPB073
DWE297
DYE300
DPB112
DESCRIPTION
Jetwave Petrol Press
Crane, Secondhand 10
Laser Level, LP30AC
Machine Drilling Man
Wacker, Petrol Drive
Parts Washer
Pump, Submersible &
Hammer, Hyd.c 4.43t
Ladder, 5.4 Metre
Ladder, 4.8 Metre
Dyna Drill, DD575 Dy
Drill, Makita HR3000
Drilll, Metabo Techd
Drill, Makita Tech D
Grinder, Makita Angl
"Grinder, Makita 9""
Grinder, Makita Grin
Circular Saw, Makita
Pump, Hyd. with Hose
Vibrator, VP57/2 Vib
Forklift, Hyser H275
Toilet Block
Excavator, Hitachi 2
Forklift 2.5T Diesel
Hammer, Wagstaff Hyd
Vibrator, Wacker Die
Laser Pipe, GL2500 T
Crane, Grove RT-75S
Rock Breaker, Indeco
Pump, Submersible P2
Compressor, Champion
Toilet Block, Shower
Compressor, Compair
Wrench, Titan T3 Tor
Welder, Vantage 575
Welder, Vantage 575
Compressor, Atlas XA
Wire Feeder, Lincoln
Theodolite, DWT-10 ,
Surveying Topcon, Tr
Spraywell Blasting E
Wrench, Titan T5 Hyd
Welder, Lincoln LN25
Concrete Pressure Me
Powerpack, Honda Hyd
PU8 Sheet Piles (55
Man Cage, 300kg 2 Ma
Fall Arrestor 30M Bl
Man Cage, 300kg 2-Ma
Rock Breaker, Indeco
Ripper, 20t (for Hit
Site Office, 9 x 3.3
Washer, HP Honda Was
Chain Lashing 12mm L
Container, 8' x 8' O
DECLARED VALUE
$873.69
$14,437.79
$242.86
$223.81
$321.06
$50.57
$389.41
$5,240.47
$43.12
$39.52
$225.25
$244.09
$194.91
$64.45
$62.47
$54.34
$49.05
$49.12
$909.40
$116.53
$15,772.19
$872.22
$15,117.20
$1,987.66
$10,491.78
$56.35
$43.28
$74,749.64
$9,987.98
$288.74
$1,049.03
$588.03
$7,733.99
$1,307.76
$2,331.08
$2,331.08
$6,927.84
$1,132.18
$270.52
$2,017.67
$1,114.76
$1,605.96
$1,176.01
$2,679.93
$2,493.17
$7,550.79
$644.46
$376.74
$681.37
$22,543.08
$2,305.23
$25,843.47
$1,367.31
$1,367.31
$737.35
PAGE 30
ITEM NO
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
ASSET CODE
DWE065
DYE296
DYP034
DYP035
DYP037
DYE294
DYE295
DYE290
DYE291
DYE301
DYE305
DPB073a
DYE302a
DYC030
DWE066
DYE306
DYC031
DYE312
DYE318
DYE317
DWE070
DWE071
DYE316
DYE328
DYE329
DYE330
DYE324
DYE303a
DYE332
DYE323
DYE319
DYE320
DYE325
DYE331
DWE075
DPB075
DYE335
DYE336
DYP013B
DYE338
DYE339
DYE327
DYC034
DYE343
DYE317a
DYE188a
DYP024
DYP041
DYE344
DYE345
DYP025
DYE347
DYP039
DYE350
DYE809
DESCRIPTION
Power Tools, Misc. H
Ripper, 30T Ripper
Bucket, 2000ltr Mud
Bucket, 600kg Rock B
Bucket, 600kg Rock B
Generator, Atlas Cop
Sokkia LP31AS Laserl
Level, Tripod & Staf
Welder, Vantage 575
Tank, 2400ltr Water
Mesh Grills/Blinds,
Compressor & Misc Ho
Crane, 16T 20m Span
Theodolite, DT610 El
Forklift, Yale GDP30
Pump, Triton c/w Air
Bearing Box Bearing
Motor, 1104A Perkins
Generator, Subaru D3
Generator, Subaru D3
Laser Level, Sokkia
Chock, 27kg H/Duty C
Hooks, 4 Self Lock C
Clamps, 2(of) S/H I
10T Rotator & 2 Sing
Prime Punmp & Access
Pump, PE554 Electric
Pressure Unit, Honda
Lighting Towers, 9M
Lighting Towers, 9M
Welder, Sub-Arc, Bea
Scissor Lift, SHand
Generator, Gentech H
Site Office, 9.0 x 3
Welder, Vantage 575
Welder, Vantage 575
Piling Rig, ABI Comp
Lighting Tower, 9M H
Lighting Tower, 9M H
Crane, JEC 10t Secon
Grout Pump - 8 Bag C
Powerpack Rebuild DY
Gearbox Rebuild Brev
Pile Lifting Shoes,
Bucket, 1 x 20t Wide
Vibrator, Wacker Vib
Tank, 1200Lt Tank, P
Piling Frame. New
Forksweep, 1400mm Br
Piling Sleeve to fi
Oil Filter Pump Kit
Saw, Brobo Waldown C
DECLARED VALUE
$546.98
$2,951.01
$4,082.41
$3,934.75
$3,934.75
$12,033.38
$12,033.38
$377.73
$181.07
$10,380.57
$1,645.30
$2,142.16
$4,202.87
$50,630.85
$914.72
$850.61
$27,648.92
$788.04
$9,891.79
$6,413.98
$2,133.79
$2,133.79
$840.18
$456.27
$1,558.26
$33,012.02
$10,871.24
$5,383.23
$1,561.03
$2,665.09
$14,099.05
$14,099.05
$12,987.06
$19,823.41
$4,340.28
$30,671.06
$12,549.99
$12,549.99
$45,328.93
$15,081.09
$15,081.09
$3,178.57
$96,991.79
$1,906.03
$18,224.34
$12,434.72
$148.70
$7,033.17
$6,474.37
$4,285.84
$4,791.01
$8,287.90
$12,633.10
$600.76
$3,096.05
PAGE 31
ITEM NO
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
ASSET CODE
DYE810
DYE811
DYE351
DYE362
DYE360
DYE361
DYE363
DYE364
DYE365
DYE356
DYE357
DYC039
DYP047
DYE366
DPB077
DYC040
DPB076
DYP048
DYP049
DPB033
DYP050
DYP051
DYP052
DYP053
DYP054
DYH034
DYE370
DYE371
DYC034A
DYE372
DYE375
DYE377
DYE381
DYE373
DYE374
DYE376
DYE386
PCE211
DYE389
PCE216
PCE227
DYE400
DYE379
DYC041
DPB076a
DYE398
PCE243
PCE244
DYE401
DYE402
DYP045A
DPB079
DYE404
DYE405
DYE410
DYE417
DESCRIPTION
Welder & Wire Feeder
Welder & Wire Feeder
Base Station Topcon
Pump, Remote Samplin
Gas Detector, Multip
Gas Detector, Multip
Vacuum Excavation Un
Bulk Waste Bin 5t
Rescue Stretcher/Kit
Gang Box
Gang Box
Crane BHB 14t Tracto
Auger, A10 9inchfor
Generator, Atlas 400
Container, Damaged 2
Skid Steer Loader, C
Site Office, Batch P
Auger, 75mm A7D 200/
Auger, 75mm A7D 300/
Shipping Container 2
Excavator, Komatsu P
Wheel Loader, Komats
Excavator System, To
Excavator System, To
Vibrator, Wacker Vib
Concrete Mini Screed
Concrete Calibre Bat
Crane, Jec 10t Refur
Wire Feeder, LN-25 L
Chiller Cooling Syst
Vantage 575 Welder
Vantage 575 Welder
Pressure Washer, Eco
Topcon Base Station
Vibration Roller, Ne
Topcon Hiper Rover
"LCD TV, Samsung 60"
Ripper, 20T 600mm Di
Grout Bag Unloader f
Concrete Batch Offic
Digital Camera, Pana
Digital Camera, Pana
Welder, Vantage 580
Welder, Vantage 580
Hammer Attachment, f
Container, 20ft Dang
Pump, Diesel Transfe
Pump, Diesel Transfe
Saw, Petrol Floor 50
Spreader Beam
DECLARED VALUE
$3,125.23
$3,125.23
$30,468.40
$242.42
$682.57
$682.57
$34,121.42
$3,340.57
$3,438.25
$2,133.54
$2,133.54
$60,929.64
$1,779.99
$23,208.24
$673.24
$51,164.65
$2,019.65
$907.33
$880.27
$1,499.21
$109,714.08
$167,698.83
$133,856.82
$55,323.87
$55,323.87
$3,497.47
$29,483.05
$12,115.66
$6,755.28
$1,855.01
$1,718.63
$46,722.16
$14,296.59
$12,912.79
$12,912.79
$2,562.85
$4,428.58
$11,988.92
$29,580.70
$17,189.90
$3,601.32
$7,059.72
$54,402.67
$153,317.82
$5,657.18
$19,843.92
$262.28
$262.28
$16,368.59
$16,368.59
$281,439.87
$29,259.57
$3,175.42
$3,175.42
$1,358.26
$993.06
PAGE 32
ITEM NO
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
ASSET CODE
DYE416
DYE420
DYE406
DYE414
DYE424
DYE415
DYE426
DYE425
DYE430
DYE434
DYE435
DYC042
DYE427
DYE438
DWE078
DWE079
DYE433
DPB078
DYE428
DYE432
DYE431
DYE447
DYE448
DYE446
DYE452
DYE451
DYE449
DPB085
DYE436
DPB080
DPB083
DPB084
DYE467
DYE468
DYE463
DYE469
DYE470
DYE472
DPB092
DWE032
DWE042
DYE216
DYE217
DYE218
DYE304
DWE069
DWE076
DYE407
DYE421
DYE422
DYE440
DYE423
MPE050
DYE215
DESCRIPTION
Barricades, APS cons
Welder, Fronius Tran
Gang Box
Skid Steer Loader, C
Skid Steer Broom Att
Vibration Rammer, DS
Compactor, Reversibl
Topcon 3D Machine Co
Vibration Roller RT8
Vibration Roller RT8
Crane, 10t BHB Black
Barricades (150 piec
Topcon Dual Grade La
Crimper, Cabac B135Digital Installation
Container, Dangerous
Load Bank 40kW
Topcon 3D Machine Co
Pressure Washer, 12
UHF Radios x 19
Vacuum Excavation Un
Container, Storage
Diesel Tank
Container, Mobile Ty
Container, Marine
Container, Dangerous
Pressure Washer, Au
Generator, Crommelin
Compressor, Compair
Plasma Cutting Stati
Generator, QAS14 14K
Generator, QAS14 14K
Container, Storage
Press, electro-hydra
Flow Gauge, Hydrauli
Compressor, XAS 97 A
Wire Feeder, LN25 Li
Wire Feeder, LN25 Li
Saw, Rail Saw MTZ350
Pressure Kit, Kaeser
Toolkit, Giant Works
Lathe, Bore Gosan
Guillotine, AMC Hydr
Pressbrake, 150t Hyd
Press, HP100 MK2, Hy
Plasma Cutter
Ramps, Barge Loading
DECLARED VALUE
$13,147.70
$542.99
$3,518.15
$59,010.47
$5,744.59
$57,806.52
$3,478.27
$6,778.85
$54,156.89
$20,340.97
$20,340.97
$59,157.33
$26,025.18
$3,712.37
$2,513.96
$1,041.00
$59,385.24
$60,724.82
$6,177.81
$176,000.13
$71,498.35
$37,251.81
$37,251.81
$200,089.21
$4,739.44
$15,947.76
$37,362.15
$14,531.90
$9,913.13
$128,838.44
$19,270.32
$52,043.48
$6,180.25
$4,675.28
$7,170.46
$26,131.64
$15,063.09
$15,063.09
$15,340.70
$2,293.50
$1,530.77
$2,551.44
$394.77
$394.77
$2,364.78
$6,364.03
$1,085.82
$25,430.17
$13,618.66
$23,776.33
$17,542.20
$1,328.34
$6,836.50
$20,000.00
$10,949,450.88
PAGE 33
Items 'On-Hire'
ITEM
NO
1
HIRED FROM
DESCRIPTION
HIRE DURATION
SERIAL NO
DECLARED VALUE
WGC Cranes
Liebherr LR1280 280T Crawler
1st Dec to 30 June
$2,420,000.00
2
Tutt Bryant
Manitowoc M1600 400T Crawler
1st Dec to 30 June
$4,000,000.00
3
Hickey Holdings
Yale 16T GP360 Forklift
1st Dec to 30 April
$200,000.00
4
Marr
Favelle M860D Crane
1st Dec to 30 April
$3,000,000.00
5
Aggreko
EII - Chiller (refer Jon McDonagh)
1st Dec to 26 May
6
Onsite Rental Group
85" EWP - Genie S-85
1st Dec to 30 June
BL8507 - 6908
$39,000.00
7
Onsite Rental Group
EWP Z34 - Genie Z-34
1st Dec to 30 June
Z3411 - 8474
$65,000.00
8
Onsite Rental Group
Denyo 150kVa genset - Denyo DCA-150 ESK
1st Dec to 30 June
3857479
$45,000.00
$145,000.00
$9,914,000.00
PAGE 34
Personal Accident – Journey
INSURER:
Accident & Health International Underwriting P/L
POLICY NO:
0032890
INSURED:
Austral Construction Pty Ltd including subsidiary companies now or
previously existing or hereafter formed or acquired.
SCOPE OF COVER:
From:
1 December, 2013
To:
30 November, 2014 at 4.00pm LST at the Insured’s Head Office
The coverage afforded by this policy shall only apply whilst an Insured
Person is travelling directly between the boundaries of their place of
residence and place of business for the purposes of starting or ending their
day’s work and provided no cover is granted by Workers’ Compensation or
the Traffic Accidents Act or equivalent.
INSURED PERSONS:
All Employees of the Insured.
SCHEDULE OF BENEFITS:
Insured Events
Each Insured Person
Death & Capital Benefits
$150,000
Weekly Accident Benefit (85% of average gross weekly Salary to a
maximum of)
$1,500
EXCESS:
7 days
BENEFIT PERIOD:
Up to and including 58 years of age
104 weeks from the date you first
become
entitled to the payment of weekly compensation
59 years – 60 years
60 years of age and over
TERRITORIAL LIMITS:
up to age 61
52 weeks
Australia Wide
AGGREGATE LIMIT OF
LIABILITY:
$1,000,000
WORDING:
GPA Journey PDS/WRD 01/1 ST
PRE-EXISTING CONDITIONS:
There is no cover for Pre-existing Conditions (as defined) whether or not a
proposal form has been received.
PAGE 35
Protection Indemnity
INSURER:
The Shipowners’ Protection Limited
POLICY NO:
794915
INSURED:
From:
1 December 2013
To:
30 November 2014 at 4.00pm LST at the Insured’s Head Office.
COVERAGE:
Cover in respect of the following sections is provided in accordance with the
Rules of the Association, but modified in accordance with the conditions
stated:
Collision with other vessels - Rule 2 Section 7
- Including full collision liabilities (4/4ths)
Cover in respect of the following sections is excluded:
Cargo Liabilities - Rule 2 Section 14
Property on Board of the insured vessel - Rule 2 Section 17
INTEREST INSURED:
Name
Built
Tonnage
Combifloat
2008
86
Swissco Barge
1997
630
AREA OF NAVIGATION:
As per the vessels' statutory State or Commonwealth Certification.
LIMIT OF LIABILITY:
As per rules.
GENERAL CONDITIONS:
Cancelling returns only (applicable to the P&I cover only)
DEDUCTIBLE:
$10,000 all claims, each incident.
PAGE 36
Public & Products Liability / Professional
Indemnity
INSURER:
Epsilon Underwriting Agencies
POLICY NO:
TBA
INSURED:
Austral Plant Services Pty Ltd
Austral Ground Holdings Pty Ltd
From:
31 October 2013
To:
30 November 2014 at 4.00pm LST at the Insured’s Head Office
PRIMARY INSURANCE
TYPE:
Section 1: Public and Products Liability Insurance
Section 2: Financial Loss
LIMIT OF INDEMNITY:
Section 1: $10,000,000 any one claim or series of claims arising from one
occurrence but in all in respect to Products Liability.
Section 2: $10,000,000 any one claim in the aggregate any one Period of
Insurance.
TERRITORIAL LIMITS:
Worldwide Excluding USA/Canada
CO-INSURERS:
Certain Underwriters At Lloyds – 75%
Berkley Insurance Company trading as Berkley Re Australia – 25%
DEDUCTIBLE:
Section 1: $20,000 each and every Occurrence (inclusive of costs)
Section 2: $20,000 each and every Claim (inclusive of costs)
POLICY FORM:
Epsilon Business Liability Policy CVS 13.14 and Endorsement(s)
DEDUCTIBLE:
Section 1: $20,000 each and every Occurrence (inclusive of costs)
Section 2: $20,000 each and every Claim (inclusive of costs)
PAGE 37
POLICY FORM:
Epsilon Business Liability Policy CVS 13.14 and Endorsement(s)
ENDORSEMENT(S):

CKA policy Endorsements (Section 1)

CKA Underground Services Clause (Section 1)

Welding Hot Work Clause (Section 1)

Project & Construction Management Endorsement (Section 1)

Contractual Assumed Liability Clause Removed (Section 1) subject to
a deductible for liabilities assumed under contract of $35,000

Contractors and Sub-contract Difference in Conditions Endorsement
(Section 1)

Care, Custody and Control Endorsement (Section 1)
CLAIMS HANDLING:
Epsilon Claims Handling Protocol
RETRO DATE:
Unlimited
EXCESS LIABILITY
TYPE:
Excess Liability Insurance in respect to Section 1 only of the Primary
Insurance
LIMIT OF INDEMNITY:
$10,000,000 any one claim or series of claims arising from one occurrence
but in all in respect to products liability in excess of $10,000,000 any one
claim or series of claims arising from one occurrence but in all in respect to
Products Liability
TERRITORIAL LIMITS:
As per Primary
INSURER:
Berkley Insurance Company trading as Berkley Re Australia.
POLICY FORM:
Epsilon Excess CGL Wording 13-14 and Endorsement(s)
ENDORSEMENT(S):
Excess Endorsement Cover Limited to Section 1
PAGE 38
SECTION 3
claims procedures
SECTION 3 Claims Procedures
This Section is designed to provide assistance in the procedures to be followed in the event of any incident
that might give rise to a claim occurring under any of your insurance policies.
All claims (except where otherwise agreed and noted herein) are to be reported immediately to CKA.
Motor Vehicle Claims
All employees authorised to drive company vehicles must familiarise themselves with this procedure.
In the event of an Accident

stop and exchange name and address with the other party involved.

record the registration number and make of other vehicle.

ensure that the exact location of the accident is noted, together with times and conditions of road (e.g.
slippery - following heavy rain).

record names and addresses of as many witnesses as possible at the scene of the accident.

report accident to Police if required to do so.
Please note:
Discussions concerning negligence of either party involved in the accident must not
be entered into. Simply advise the other party that you will report the matter to your
Insurers and that they will contact the third party direct.
Reporting the accident

Phone CKA and report the accident.
Damage to a third party vehicle or property

Obtain details of third party's Name, Address and Insurance Company.

Do not discuss fault or make any admission of liability.
PAGE 39
Public and or Products Claims
Upon the happening of any incident likely to give rise to a claim, the following points must be noted:

All reasonable steps should be taken to protect property from further loss or damage.

Protect any person from personal injury or seek immediate medical and/or emergency assistance.

Immediate advice must be given to CKA.

All documentation or advice or correspondence from the third party must be forwarded to CKA.

No correspondence should be entered into with a third party without prior advice and approval from
CKA or Insurers.

Do not make any statement to a Loss Assessor or any other person investigating the accident or
damage unless such person is acting on behalf of your Insurer – if in doubt, please contact CKA.
Insurers will generally appoint a Loss Assessor to handle the matter. It is in order to follow the advice of the
appointed Assessor and to deal through them regarding the claim. Insurers may also appoint Solicitors to act
on their behalf and to protect your interests.
Professional Indemnity and Directors & Officers Liability
Professional Indemnity and Directors & Officers Liability policies are both underwritten on a “Claims Made”
basis. This means that the policy period in which you first become aware of a possible claim is the policy
period that will respond to the claim, not the policy period that was current when the alleged negligent act,
error or omission occurred.
It is therefore important that you notify CKA immediately upon becoming aware of any circumstance
that you believe may give rise to a claim.
Contract Works Claims
In the event that a claim for loss or damage to the works is likely to exceed the policy deductibles, then the
Project Manager should provide immediate notice to CKA Risk Solutions with the following information:

The name of the project affected and its location;

Details of the nature of the loss or damage;

Name of site contact person; and

Estimate of the loss before any deductible.
Following initial notification, the Project Manager should complete and send a copy of the initial claim advice
form (refer to copy in this section) to CKA Risk Solutions.
CKA Risk Solutions and/or the Insurer will appoint a Loss Adjuster to investigate the loss or damage.
PAGE 40
The following points are important:

DO NOT UNDER ANY CIRCUMSTANCES delay in reporting the loss or damage, otherwise Austral
Constructions may prejudice its rights of recovery.

DO MINIMISE THE LOSS OR DAMAGE if in the judgement of Senior Site Management such action is
warranted.

PHOTOGRAPH all lost or damaged property before commencing remedial work. If possible retain lost
or damaged property for inspection by the appointed Loss Adjuster.
Marine Transit Claims
In the event of short delivery or damage to Insured goods the following steps should be taken:

Details of the loss should be promptly notified to CKA Risk Solutions with the following information:− Precise location of damaged goods (and name of vessel, if applicable)
− Name of contact/phone and/or fax number
− Nature of damage
− Estimate of damage

CKA Risk Solutions will notify the Insurer and arrange for the loss to be assessed by a loss Surveyor
(if required).

To facilitate settlement, the following documentation should be provided in support of your claim:
− Copy of original bill of loading and/or carriers consignment note
− Original of copy of suppliers invoice
− Delivery receipts by consignees verifying non delivery/damage
− Copies of correspondence exchanged with carriers or other bailees regarding their liability for
shortage or damage

In claims of this type, Georgiou Group is required to take steps reasonable for the purposes of averting
or minimising a loss and to ensure that all rights against carriers, bailees or third parties are properly
preserved and exercised. In particular:
− To claim immediately on the carriers, port authorities or other bailees for any missing packages.
− In no circumstance, except under written protest to give clean receipts where goods are in doubtful
condition.
− When delivery is effected by container, to ensure that the container and it seals are examined
immediately by their responsible officer. If the container is delivered damaged or with its seals
broken or missing or with seals other than as stated in the shipping document, to clause the
delivery receipt accordingly and retain all defective or irregular seals for subsequent identification.
AUSTR959676
PAGE 41
− To apply immediately for survey by carriers, or other bailees representatives, if loss or damage be
apparent and claim on carriers or other bailees for any actual loss or damage found at such
survey.
− To give notice in writing to the carriers or other bailees within three (3) days of delivery if loss or
damage was not apparent at the time of taking delivery.
Industrial Special Risks
In the event of loss or damage, a claim form should be completed and forwarded to CKA Risk Solutions. Use
the Initial Claim Advice form (refer to copy in this section).

CKA Risk Solutions will, if necessary have a Loss Adjuster appointed.

Photographs should be taken of the property damaged for viewing by the Loss Adjuster and physical
remains of property should be retained for the same purpose.

DO NOT delay in reporting an occurrence which Austral Constructions considers is indemnifiable as
this could lead to Insurers denying liability.

CKA Risk Solutions will follow the claim through to final settlement.
All other claims/losses
To enable the completion of the claim without delay and to minimise the possible damage or injury incurred, it
is important that the following action be taken.

All reasonable steps must be taken (regardless of insurance) to:
− protect the property from further loss or damage
− protect any person from injury or seek immediate medical and/or emergency assistance.

Any incident, which may give rise to a claim, should be immediately reported to CKA to avoid any
potential for denial of liability by Insurers alleging late notification.

Any loss by theft and/or wilful or malicious damage should be immediately advised to the Police and
relevant Government agency.

Complete the appropriate claim form and provide all the associated and necessary claims documents.

Forward all the claim documentation to CKA without delay.
AUSTR959676
PAGE 42
SECTION 4
important notices
SECTION 4 IMPORTANT NOTICES
Your Duty of Disclosure
Before you enter into a contract of general insurance with an insurer, you have a duty, under the Insurance
Contracts Act 1984, to disclose to the insurer every matter that you know, or could reasonably be expected to
know, is relevant to the insurer’s decision whether to accept the risk of the insurance and, if so, on what
terms.
You have the same duty to disclose those matters to the insurer before you renew, extend, vary or reinstate a
contract of general insurance.
Your duty, however, does not require disclosure of any matter:

That diminishes the risk to be undertaken by the insurer.

That is of common knowledge or public knowledge.

That your insurer knows or, in the ordinary course of his business, ought to know.

As to which compliance with your duty is waived by the insurer.
If you fail to comply with your duty of disclosure, the insurer may be entitled to reduce its liability under the
contract in respect of a claim or may cancel the contract.
If your non-disclosure is fraudulent, the insurer may also have the option of voiding the contract from the
beginning.
Detailed below are some examples of information that should be disclosed to the insurers:
Personal Information

Past claims.

Prior criminal convictions.

Bankruptcy or any default.

Past driving history (eg. dangerous driving or driving under the influence).

Prior refusal by insurers to insure you or where they have imposed increased loadings or deductibles.
PAGE 43
Other Business Information

Acquisition of new companies, operations either in Australia or overseas.

The purchase, leasing or change in tenancy of any new or existing premises.

The purchase, loan, or lease of any items of plant, machinery, equipment or contents.

The temporary hire of any items of plant (eg. gen sets, motor vehicles or mobile plant).

The entering into or any agreement whereby you forego your rights to indemnity from another party,
eg. lease agreements, fire & security monitoring agreements.

Changes to your normal processes or business operations.

Introduction of new or modified products.

The disconnection or the rendering of any fire or security system in-operative.

The chartering of any aircraft or water craft.

Any capital raising or the listing on any foreign Stock Exchange.

Any alterations, extensions or modifications to your office, premises or factory.
If you are in any doubt whatsoever regarding your disclosure obligations, please discuss this issue with CKA.
Utmost Good Faith
Every insurance contract is subject to the doctrine of utmost good faith, which requires that the parties to the
contract should act toward each other with the utmost good faith. Failure to do so on your part may prejudice
any claim or the continuation of cover provided by your insurer.
Essential Reading of Policy Wording
A full copy of your policy wording will be passed onto you as soon as it is received from your insurer. It is
absolutely essential that you read this document without delay and advise CKA in writing of any aspects
which are not clear, incorrect or where the cover does not meet with your requirements.
Change of Risk or Circumstances
It is vital that you advise us of any departure from your “normal” business or to that which has already been
conveyed to your insurer e.g. new acquisitions, changes in occupation or location, new products or new
overseas activities.
In order to ensure proper protection, please consult us if you are in any doubt as to whether an insurer
should or should not be told of certain changes. We would rather address these queries now rather than
take the risk of you not having protection under your policies.
Subrogation and/or Waiver of Rights
Some policies contain provisions that either exclude the insurer from liability or reduce their liability, if you
have entered into any agreements that exclude or limit your rights to recover damages from another party
in relation to any loss, damage or destruction which would allow you to sustain a claim under an insurance
policy.
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PAGE 44
You may prejudice your rights to a claim if, without prior agreement of your insurer, you make any
agreement with a third party that will prevent the insurer from recovering the loss from that or any another
party. Examples of such agreements are the “hold harmless” clauses, which are often found in tenancy
leases, maintenance or supply contracts from burglar alarm or fire protection installers and in repair
contracts.
Under-Insurance
Some policies, such as Industrial Special Risks, General Property, Business Interruption, House &
Contents and Machinery Breakdown, contain an “average” or “under-insurance” or “co-insurance” clause.
This clause requires you to bear a proportion of any loss in the event your sum insured is not adequate to
cover the full amount of the loss. For example, if the replacement cost of your house is $400,000 and you
have only insured the building for $300,000, then effectively, your insurer is insuring 75% of the house and
you are insuring the remaining 25%. In the event of a fire causing $200,000 damage, your insurer would
only be obliged to pay $150,000 (ie $200,000 x 75%) and you would be liable for the balance.
It is particularly important to ensure that the sums insured are adequate and declared in accordance with
the policy requirements to avoid the application of any under-insurance provisions. If in any doubt, please
contact our office.
Un-Named Parties
Most policies will exclude indemnity to other parties unless their interest is properly declared and noted on
the policy. If you require the interest of any party other than the named insured to be covered, you must
specifically request this and detail the nature of the relationship between you and the other party e.g.
mortgage with a bank, lease agreement on your motor vehicle.
Claims Made Policies
Some policies, such as Professional Indemnity, Directors & Officers Liability and Crime provide cover on a
“claims made” basis which means that claims first advised to you (or made against you) and reported to
the insurer during the period of insurance are covered irrespective of when the incident causing the claim
occurred, subject to the provisions of any clause relating to “Retrospective Cover” (see the following
heading titled “Retrospective Cover”).
In order to ensure that your entitlement to indemnity under this policy is protected, you must report all
incidents that may give rise to a claim against you to the insurer without delay after such incidents come to
your attention and prior to expiration of the policy period.
Not a Renewable Contract
Cover on certain policies, such as Professional Indemnity, Directors & Officers and Crime, terminate on the
date advised to you or as indicated on our debit notes/invoices. We emphasise that these policies are NOT
renewable contracts. If you wish to effect similar insurance for any subsequent period, it will be necessary
for you to complete a new proposal form well prior to the termination of the current policy so that terms on
the new insurance can be obtained in time for your consideration.
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PAGE 45
Retrospective Cover
Certain policies, such as Professional Indemnity, Directors & Officers and Crime, do not provide cover in
respect of claims arising out of work performed or services rendered or events occurring prior to the date
specified, known as the Retroactive Date. Usually, this cover can be obtained upon specific request and if
available, an additional premium will usually apply. Please consult CKA if this cover is required or if you
have any questions in this regard.
Direct Offshore Foreign Insurer
If any of your policies either in part or in whole, are with or to be insured by a Direct Foreign Offshore
Insurer (DOFI), we are required to provide you with written notice. DOFI’s are insurance companies that
are not based in Australia and do not fall under the financial regulators such as ASIC. This notice will
provide details on the DOFI including, their name, country of incorporation and details of their website
where you can access further information on their operations and financial standing. We will require you to
provide written acknowledgement of your approval to use the DOFI.
Terrorism
th
With the advent of the terrorist attacks on America on the 11 September 2001 and the global concerns on
terrorism, insurers are no longer able to provide this cover and terrorism and/or any act of terrorism is now
a standard exclusion on most insurance policies.
As a result of this, the Federal Government in conjunction with the insurance industry have put together a
scheme to provide some cover for acts of terrorism. This is embodied in the Commonwealth Governments
st
Terrorism Insurance Act 2003 (the Act) effective from the 1 July 2003.
Certain policies now include a terrorism levy in the premium and in return for this, the Act will provide some
cover in the event the Government declares a terrorism event. The Government administers the scheme
and determines amount to be paid to you. The scheme is guaranteed by the Government to the value of
A$10bn. Any payments in excess of this amount may be proportionally reduced by the Treasury and if
applicable, this could have the effect of reducing any payment to you.
Goods and Services Tax (GST)
Most, but not all, insurance policies are now subject to GST and this will be recorded on your invoice. The
advent of GST also impacts on sums insured and accordingly, the claim payment by an insurer in the
event of a claim. Your ability to claim Input Tax Credits is important when it comes to the treatment of GST
in the event of a claim. Due to the complex nature of the treatment of GST, it is difficult to detail all the
scenarios that may apply to your various policies and accordingly, CKA are happy to discuss individual
cases with you. You should also seek specific tax advice from your accountant to ascertain your own
individual circumstances.
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PAGE 46
Binder Agreements
CKA may have binder agreements with certain insurers under which we are authorised to bind cover with
those insurers without prior reference to them.
When acting under this binder agreement, we will be effecting the insurance on behalf of the insurer and
acting as their agent, not as your agent. This would only apply to the policy falling under the binder
agreement and not affect the broker/client relationship in respect of all your other classes of insurance with
CKA.
Mis-Statement of Premiums
CKA take all reasonable effort to ensure the premiums (including all statutory charges) quoted to you are
correct. The statutory charges in particular, are subject to constant change and vary markedly on a “state
by state” basis. Some charges, such as Fire Service Levy (in NSW and Victoria) are subject to retroactive
adjustments 12 months in arrears.
In the event that the premium is incorrectly quoted by CKA or is subject to change (ie. NSW Fire Service
Levy), CKA reserve the right to amend the premium to the correct amount for which you are liable to pay.
Insurance Ombudsman Service
The Insurance Ombudsman Service Ltd (IOSL) is a national scheme to assist consumers in resolving their
disputes with their insurer. The scheme also provides advice on any general insurance matter.
All insurers are required by the IOSL to have a documented Internal Dispute Resolution process and a
nominated Complaints Officer (CO) to deal with complaints by their consumers. Any complaint should be
directed in the first instance to the Complaints Officer of the relevant insurer.
In the event that your dispute is not resolved in a reasonable period to your satisfaction, you have the right
to address your dispute to the IOSL who can be contacted on phone number 1300 363 683. The IOSL will
advise and assist you on the next course of action to help resolve your dispute.
AUSTR959676
PAGE 47
Un-insured Risks
The following is a sample of some of the many classes of insurance that are available. Detailing these
insurances does not imply that you have a specific need for the insurance or that it is readily available in
the insurance market. Indeed, your insurance program may already encompass some of these classes of
insurance.
Should you wish to discuss any aspect or require further information on any insurance detailed below,
please contact CKA.
Advance Business Interruption
Cover for loss of anticipated income where completion of a construction project is delayed by insured
damage during the construction period.
Airport Owners or Operators Liability
Your legal liability for third party injury or property damage arising out of the ownership or operation of an
airport/airstrip.
Bonds
Insurance bonds are available to accommodate a wide variety of situations (eg. performance guarantee)
and may be a viable alternative to bank guarantees.
Credit Insurance
Financial loss due to bad debts incurred following the insolvency of a customer.
Defamation (Libel and Slander)
Legal liability for injury to the reputation, goodwill, profession, trade, business or credit of third parties in
consequence of defamation, libel and slander.
Electronic Equipment
Cover against electronic breakdown or failure of computer and other electronic equipment.
Environmental Impairment
A limited insurance market is available to cover costs incurred due to gradual accidental pollution.
Expatriate Health Insurance
Covers medical, hospital and other expenses for Expatriate employees living overseas and/or in Australia
on a temporary basis.
Goods in Cold Storage
Loss or damage to goods in cold storage due to mechanical failure of the refrigeration equipment.
Key Man Insurance
AUSTR959676
PAGE 48
Death and/or disability insurance for key executives or employees.
Legal Expenses
Legal expenses incurred as a result of contractual disputes, the use of motor vehicles and a variety of
other circumstances.
Life and Benefits
Cover for Life, disability, trauma, income protection, superannuation and other employee benefits.
Livestock or Bloodstock
The insurance of animals against death by accident, sickness or disease.
Loss of Licence
Insures a person who is dependent upon a form of licence in order to earn a livelihood eg. pilot. The
insurance covers specified benefits in the event of accident or disability, which results in discontinuance of
the licence.
Marine Cargo Consequential Loss
Loss of income and/or business interruption following the loss or damage to the cargo whilst in transit.
Political Risks
Insures expropriation, confiscation and nationalisation of property in foreign countries. Cover can also be
extended to cover contract repudiation, licence cancellation or currency inconvertibility.
Product Contamination / Tampering
Covers the recall and reimbursement costs as a result of accidental contamination and/or tampering.
Product Guarantee
Covers the legal obligation to replace or repair products, which fail to perform their intended function or
financial loss, sustained by a customer or third party arising there from.
Product Recall
Covers the expenses incurred in recall of potentially faulty products.
Salary Continuance
Designed to protect the livelihood of an employee or self employed person as a result of an accident or
prolonged illness.
Statutory Liability Insurance
Covers fines, penalties and costs resulting from an innocent breach of an Act.
Stevedoring Liability
Covers the legal liability arising from stevedoring activities at any port or airport.
AUSTR959676
PAGE 49
Taxation Indemnity
Expenses incurred by the insured in the course of compliance with tax audits instituted by the Australian
Taxation Office.
Terrorism
A limited form of cover is available in addition to the Govt scheme.
Trustees Liability Insurance
Covers trustees, trust managers, sponsors of superannuation funds in respect of legal liability to
compensate third parties (including legal costs incurred) arising out of the negligent administration of the
trust or fund.
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PAGE 50
Insurance Terms Glossary
Some commonly used terms are peculiar to the insurance market and as such, we have detailed
explanations to some of these terms below as a quick guide for you.
Indemnity
The principal of indemnity is to place you in the same financial position after a loss as that which you
occupied immediately before the loss. You do not receive "new for old".
Reinstatement And Replacement
The basis of settlement for property insured under these conditions would be the cost of replacement or
restoration with new materials to a condition substantially the same as, but not better or more extensive than
its condition when new.
Extra Cost of Reinstatement
Provides protection for additional costs to comply with Government Regulations following the loss, provided
you had not been advised of such requirements prior to the loss.
Co-insurance
If the actual value of the property exceeds the amount stated in your declaration, you may be expected to
bear a proportionate part of a loss.
Deductible
Also called “excess”, is the amount the insured is required by the policy to contribute towards a loss.
Gross Profit
Is the amount, which the total of the turnover and closing stock exceeds the total of the opening stock and the
uninsured working expenses as specified in the policy.
Dual Basis Payroll
Salaries and wages are insured under a flexible method whereby you can decide the manner in which a
claim may be lodged subject to certain limitations stated in the policy.
Indemnity Period
Is the period from the date of the damage and ending not later than the period specified thereafter during
which the business is affected by the damage.
Subrogation
Your Insurer may wish to recover from a third party responsible for damage to your property.
Consequently, the Insurer requires that you subrogate (or substitute) your rights to sue in favour of your
Insurer who has reimbursed you for the cost of the damage. Your insurance policy may be conditional that
you do not “waive your rights or hold harmless” other parties such as workmen who come onto your
property.
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PAGE 51
Inherent Vice
This term refers to a quality inherent in property, which produces damage to the property without the
assistance of an outside agency and by its own action eg. spontaneous combustion of copper concentrate.
Free on Board
Relates to the cost and charges from the supplier's works, including the cost of the goods, cases, packing,
rail, delivery charges, dock charges, insurance, customs and agents charges at the port of shipment. In other
words the total cost of the goods to be delivered onto the vessel.
Cost, Insurance & Freight (CIF)
The FOB cost plus freight, insurance and all other charges for delivery to the declared port or final
destination.
General Average
A term used in Maritime Law to cover special claims. Briefly it means that if property or a vessel is sacrificed
for the common good of all property on the vessel, then all parties involved will contribute to the loss of those
whose goods were sacrificed ie. if a ship carrying goods on our behalf were forced to jettison your goods for
the safety of the ship as a whole, then the owners (or their Insurers) of the other cargo on the ship would
contribute so as to reduce your loss. Similar principles would apply for other owners if their cargo were
jettisoned to protect yours.
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PAGE 52
Financial Services Guide
The financial services referred to in this financial services guide (FSG) are offered by:
CKA Risk Solutions Pty Ltd (CKA)
ACN: 33 109 033 123 AFS: 276915, Level 4, 88 William Street, Perth WA 6000..
Phone: +61 (0)8 9214 7400, Fax: +61 (0)8 9214 7499, E-mail: [email protected]
This FSG is designed to assist you in deciding whether to use any of those services. It contains important
information about the services we offer you, how we and others are paid, any potential conflict of interest we
may have, our internal and external dispute resolution procedures and arrangements we have in place to
compensate clients for losses.
GENERAL ADVICE WARNING
Typically CKA only provides general advice to our retail clients*. General advice does not take into account
your personal needs and objectives and you should consider the appropriateness of this advice to your
circumstances before acting on it. We will provide you with a general advice warning in such cases.
When you ask us to recommend an insurance policy for you, we will usually only consider the policies offered
by the insurers or insurance providers that we deal with regularly. In giving you advice about the costs and
terms of recommended polices we have not compared those policies to other policies available, other than
from those insurers we deal with regularly.
FURTHER INFORMATION WHEN PERSONAL ADVICE IS GIVEN TO RETAIL CLIENTS*
CKA will provide you with further information whenever we provide you with advice which takes into account
your objectives, financial situation and needs. This information may be contained in a Statement of Advice
(SoA) and may include the advice that we have given you, the basis of the advice and information on our
remuneration and relevant associations or interests.
PRODUCT DISCLOSURE STATEMENT
If CKA offer to arrange the issue of an insurance policy to you and you are a retail client*, we will also provide
you with, or pass on to you, a Product Disclosure Statement (PDS), unless you already have an up to date
PDS. The PDS will contain information about the particular policy which will enable you to make an informed
decision about purchasing that policy.
FROM WHEN DOES THIS FSG APPLY?
This FSG applies from 8 May 2013 and remains valid unless a further FSG is issued to replace it. We may
give you a supplementary FSG. It will not replace this FSG but will provide details not covered by this FSG.
HOW CAN I INSTRUCT YOU?
You can contact us to give us instructions verbally, by post, phone, fax or email on the contact number or
details mentioned on the top of this page. We recommend that your verbal instructions always be confirmed
in writing.
WHO IS RESPONSIBLE FOR THE FINANCIAL SERVICES PROVIDED?
CKA is responsible for the financial services that will be provided to you or through you to your family
members, including the distribution of this FSG. CKA holds a current Australian Financial Services Licensee
no: 276915.
WHAT FINANCIAL SERVICES ARE YOU AUTHORISED TO PROVIDE AND WHAT KINDS OF
FINANCIAL PRODUCT(S) DO THOSE SERVICES RELATE TO?
CKA is authorised to advise and deal in general insurance products to wholesale and/or retail clients. We will
do this for you as your broker unless we tell you otherwise. Sometimes we will act under a binder or agency
from the insurer, and in this case we will be acting as the agent of the insurer. This means that we represent
and act for the insurer, not for you. We will tell you when we act under a binder or agency to arrange your
insurance or advise you about your insurance needs.
WILL I RECEIVE TAILORED ADVICE?
In some cases, CKA may need information about your personal objectives, details of your current financial
situation and any relevant information, so that we can arrange or issue insurance policies for you or to give
AUSTR959676
PAGE 53
you advice about your insurance needs. We will ask you for the details that we need to know. If you do not
give us all of the information we ask for, any advice you receive may not be appropriate to your needs,
objectives and financial situation. You should read the warnings contained in any SOA, or any other
warnings that we give you, carefully, before making any decision about an insurance policy. Where we
provide you with advice about your insurance arrangements, that advice is current at the time that we give it.
We will review your insurance arrangements when you inform us about changes in your circumstances.
CONTRACTUAL LIABILITY AND YOUR INSURANCE COVER
Many commercial or business contracts contain clauses dealing with your liability (including indemnities or
hold harmless clauses). Such clauses may entitle your insurers to reduce cover, or in some cases, refuse to
indemnify you at all. You should seek legal advice before signing and accepting contracts. You should inform
us of any clauses of this nature before you enter into them.
WHAT INFORMATION DO YOU MAINTAIN IN MY FILE AND CAN I EXAMINE MY FILE?
CKA maintain a record of your personal profile, including details of insurance policies that we arrange or
issue for you. We may also maintain records of any recommendations or advice given to you. We will retain
this FSG and any other FSG given to you as well as any SOA or PDS that we give or pass on to you for the
period required by law.
We are committed to implementing and promoting a privacy policy, which will ensure the privacy and security
of your personal information. A copy of our privacy policy is available on request. A copy is also available on
our website, www.ckarisksolutions.com. If you wish to look at your file please ask us, we will make
arrangements for you to do so.
HOW WILL I PAY FOR THE SERVICES PROVIDED?
For each insurance product the insurer will charge a premium that includes any relevant taxes, charges and
levies. CKA often receive a payment based on a percentage of this premium (excluding relevant taxes,
charges and levies) called commission, which is paid to us by the insurers. However, in some cases we will
also charge you a fee. If you are a Retail Client* and we give you Personal Advice, commission amounts will
be provided in any SoA or (where an SoA is not required to be provided) included on any relevant invoices.
For all other clients full commission information (including dollar amounts) can be provided on request. You
can choose to pay by any of the payment methods set out in the invoice. You are required to pay us within
14 days being our normal credit terms.
WHAT ABOUT REFUNDS OF PREMIUMS?
If you are entitled to a refund of premium from the insurer, CKA will refund the premium (less any
commission and broker fee charged) to you as soon as this is received from the insurer. CKA do not refund
brokerage or broker fees as these have been earned by us in placing and servicing the relevant policies,
irrespective of the period they have been in force.
When you pay CKA your premium it will be banked into our trust account. CKA retain the commission from
the premium you pay us and remit the balance to the insurer in accordance with our arrangements with the
insurer. We will earn interest on the premium while it is in our trust account or we may invest the premium
and earn a return. We will retain any interest or return on investment earned on the premium.
HOW ARE ANY COMMISSIONS, FEES OR OTHER BENEFITS CALCULATED FOR PROVIDING THE
FINANCIAL SERVICES?
CKA’s commission will be calculated based on the following formula: X = Y% x P. In this formula X = our
commission, Y% = the percentage commission paid to us by the insurer. Our commission varies between 0%
and 25%. P = the amount you pay for any insurance policy (less any government fees or charges included in
that amount). Any fees that we charge you will be dependent upon the time, complexity and nature of the
insurance involved. We do not often pay any commissions, fees or benefits to others who refer you to us or
refer us to an insurer. If we do, we will pay commissions to those people out of our commission or fees (not
in addition to those amounts). CKA employees are remunerated by way of an annual salary. Based on the
performance of the employee over the year, they may be entitled to a bonus. If we give you personal advice,
we will inform you of any fees, commission or other payments we, our associates or anyone referring you to
us (or us to any insurer) will receive in relation to the policies that are the subject of the advice.
DO YOU HAVE ANY RELATIONSHIPS OR ASSOCIATIONS WITH THE INSURERS WHO ISSUE THE
INSURANCE POLICIES OR ANY OTHER MATERIAL RELATIONSHIPS?
CKA participates in programs provided by some insurers under which we may obtain additional remuneration
by way of business support services and/or profit share or volume bonuses. If we have profit share
arrangements that apply to a product we recommend to you we will advise you of this at the time of making
the recommendation if the amount involved is material.
AUSTR959676
PAGE 54
CKA is a shareholder of Steadfast Group Limited (Steadfast). Steadfast has exclusive arrangements with
some insurers under which Steadfast will receive between 0.5 - 1% commission for each product arranged
by us with those insurers. These payments are used to operate Steadfast. Depending on the operating costs
of Steadfast (including the costs of member services provided by Steadfast to us and other Steadfast
shareholders) and the amount of total business we place with the participating insurers in any financial year,
we may receive a proportion of that commission at the end of each financial year. As a shareholder of
Steadfast we have access to member services including model operating and compliance tools, procedures,
manuals and training, legal, technical, banking and recruitment advice and assistance, group insurance
arrangements, product comparison and placement support, claims support and group purchasing
arrangements. These member services are either funded by Steadfast, subsidised by Steadfast or available
exclusively to shareholders for a fee. You can obtain a copy of Steadfast’s FSG at www.steadfast.com.au.
Steadfast is a shareholder of Miramar Underwriting Agency Pty Limited (Miramar). As a shareholder,
Steadfast may receive dividends from Miramar. These amounts will indirectly contribute towards the benefits
we receive from Steadfast.
Steadfast has a shareholding in Macquarie Premium Funding. If we arrange premium funding with
Macquarie Premium Funding for you, under its agreement with Macquarie Premium Funding, Steadfast will
receive 0.5% of your insurance premium (including government fees or charges). As an equity shareholder
of Macquarie Premium Funding, Steadfast may also receive dividends from profits of Macquarie Premium
Funding. The amount of the Steadfast dividend is based on the share of profit attributable to funding
arranged by Steadfast shareholders. The payments (commission and dividends) that Steadfast receives
from Macquarie Premium Funding are used to operate Steadfast. Depending on the operating costs of
Steadfast and the amount of total business we place with Macquarie Premium Funding in any financial year,
we may receive a portion of those amounts at the end of each financial year.
If we arrange premium funding for you we may be paid a commission by the premium funder. We may also
charge you a fee (or both). The commission that we receive from the premium funder is usually calculated as
a percentage of your insurance premium (including government fees or charges). If you instruct us to
arrange or issue a product, this is when it becomes entitled to the commission. CKA’s commission rates for
premium funding range from 1% to 2% of funded premium. When we arrange premium funding for you, you
can ask us what commission rates we are paid for that funding arrangement compared to the other
arrangements that were available to you.
ELECTRONIC DELIVERY OF DISCLOSURE NOTICES
We may provide correspondence and disclosure notices (including FSG and PDS) to you electronically, via
email or links to websites etc. If you have provided your email address to us we will typically use that email
address for this correspondence and disclosure notices. Should you not wish to be sent disclosure
documents electronically, please advise us and we will update our records accordingly.
WHAT SHOULD I DO IF I HAVE A COMPLAINT?
Contact us and tell us about your complaint. We will do our best to resolve it quickly and fairly. If your
complaint is not satisfactorily resolved within 20 days, please contact Naser Kerimi on +61 8 9214 7400 or
put your complaint in writing and send it to the address noted at the top of this FSG. CKA is a member of the
Financial Ombudsman Service (FOS). If your complaint cannot be resolved to your satisfaction by us you
have the right to refer the matter to the FOS. The FOS can be contacted at: Street Address: Financial
Ombudsman Service, Level 12, 717 Bourke Street, Docklands 3008. Mailing address - Financial
Ombudsman Service, GPO Box 3, Melbourne 3001 – Phone - 1300 780 808, Fax - 03 9613 6399, Email [email protected], Website - www.fos.org.au
WHAT ARRANGEMENTS DO YOU HAVE IN PLACE TO COMPENSATE CLIENTS FOR LOSSES?
CKA has a professional indemnity insurance policy (PI policy) in place. The PI policy covers us and our
employees for claims made against us and our employees by clients as a result of the conduct of us or our
employees in the provision of financial services. Our PI policy also covers us for claims relating to the
conduct of representatives who no longer work for us.
* Under the Corporations Act 2001 retail clients are defined as individuals or a manufacturing business
employing less than 100 people or any other business employing less than 20 people AND that purchase
motor vehicle, home building, contents, sickness/accident/travel, consumer credit and/or other classes
prescribed by the regulations.
AUSTR959676
PAGE 55
SECTION 5
service directory
SECTION 5 Service Directory
POSTAL ADDRESS:
PO Box Z5464
St Georges Terrace
Perth WA 6831
TELEPHONE:
+61 (0)8 9214 7400
FACSIMILE:
+61 (0)8 9214 7499
CONTACTS:

Jonathan McDonagh
[email protected]
0429 153 811

John Carrigg
[email protected]
0417 006 776

Alexis Shrimpton
[email protected]
+61 (0)8 9214 7406
PAGE 56

insurance manual Austral Construction Pty Ltd PERIOD: AUSTRAL CONSTRUCTION PTY LTD

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