A MESSAGE FROM THE CHAIRMAN...

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Level 4, 501 LaTrobe Street Melbourne, Victoria, AUST. 3000

T: F: E: W: +61 3 9691 2222 +61 3 9602 4484 [email protected] www.mckenzieross.com.au 2₀ Y_ea_rs_Strong

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insurance brokers

Every single member of McKenzie Ross is part of a team, dedicated to both our clients and profession.

Our business is to satisfy a wide range of insurance needs for you, our clients, in the corporate,

commercial, domestic, entertainment, life & risk and rural market segments.

In essence, our expertise adds value by reducing the complexity of risk management by working with

you and closely matching your requirements with the very best insurance cover available.

McKenzie Ross strives for excellence because like you, we expect it ourselves.

We welcome the opportunity to discuss our services, with the aim of developing, long standing and

mutually rewarding relationships.

Best Regards

Alister Payne

A MESSAGE

FROM THE CHAIRMAN . . . .

any business

any profession

any risk

T: F: +61 3 9691 2222 +61 3 9602 4484

Level 4, 501 LaTrobe Street

Melbourne, Victoria, Australia. 3000

E: W:

info@mckenzieros

s.com.au

www.mckenzieross.com.au

Every single member of McKenzie Ross is part of a team, dedicated to both our clients and profession.

Our business is to satisfy a wide range of insurance needs for you, our clients, in the corporate, commercial, domestic, entertainment, life & risk and rural market segments.

In essence, our expertise adds value by reducing the complexity of risk management by working with you and closely matching your requirements with the very best insurance cover available. McKenzie Ross strives for excellence because like you, we expect it ourselves.

We welcome the opportunity to discuss our services, with the aim of developing, long standing and mutually rewarding relationships.

Best Regards Alister Payne

A MESSAGE

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McKenzie Rosswas founded over twenty years ago, with a vision of insurance which transcends industry standards, engages underwriters, and delivers the best possible solution to our clients.

McKenzie Ross

utilises all the major underwriters operating in Australia and works with specialist underwrit-ing agencies in overseas markets. The company is CBD based and has a broad client base throughout Australia.

Our clients vary enormously from the local milk bar to major corporations. We have vast experience in entertainment insurances including liability and contingency covers. Within our organisation we have specialty divisions in entertainment, professional risks, building trades and retail insurance schemes. Through the relationships with our underwriters we are able to provide programs for all general, life and risk insurance business.

We understand that your business is your asset and aim to deliver the most cost effective insurance solution to protect your interests. Our service does not end when the business is written, but extends most impor-tantly to assist in the management of a claim.

is a member, in professional standing, of both the National Insurance Brokers Association (NIBA) and Insurance Brokers Network of Australia (IBNA) and is able to draw on the significant resources of these groups when required.

Introduction

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insurance brokers

McKenzie Ross

was founded over twenty years ago, with a vision of insurance which transcends industry

standards, engages underwriters, and delivers the best possible solution to our clients.

McKenzie Ross

utilises all the major underwriters operating in Australia and works with specialist

underwrit-ing agencies in overseas markets. The company is CBD based and has a broad client base throughout

Australia.

Our clients vary enormously from the local milk bar to major corporations. We have vast experience in

entertainment insurances including liability and contingency covers. Within our organisation we have

specialty divisions in entertainment, professional risks, building trades and retail insurance schemes.

Through the relationships with our underwriters we are able to provide programs for all general, life and risk

insurance business.

We understand that your business is your asset and aim to deliver the most cost effective insurance solution

to protect your interests. Our service does not end when the business is written, but extends most

impor-tantly to assist in the management of a claim.

is a member, in professional standing, of both the National Insurance Brokers Association

(NIBA) and Insurance Brokers Network of Australia (IBNA) and is able to draw on the significant resources

of these groups when required.

Introduction

McKenzie Ross was founded over twenty years ago, with a vision of insurance which transcends industry standards, engages underwriters, and delivers the best possible solution to our clients. McKenzie Ross utilises all the major underwriters operating in Australia and works with specialist underwriting agencies in overseas markets. The company is CBD based and has a broad client base throughout Australia.

We understand that your business is your greatest asset and aim to deliver the most cost effective insurance solution to protect your interests. Our service does not end when the business is written, but extends most importantly to assist in the management of a claim.

McKenzie Ross is a member, in professional standing, of both the National Insurance Brokers Association (NIBA) and Insurance Brokers Network of Australia (IBNA) and is able to draw on the significant resources of these groups when required.

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.

has enjoyed phenomenal growth over the past twenty years, yet we retain an intimate and personal relationship with

our clients. Owned and managed by Australians who have a wealth of experience in business in their own right, the Company can

provide unique advice and innovative solutions.

McKenzie Ross

Commercial

Property

Commercial property is covered as part of a standard business pack or office insurance policy. You are covered against fire and

specified perils, as well as burglary and malicious damage.

Liability

Public Liability covers payouts, awards, legal fees and other expenses made against you by a third

party as a result of a negligent action resulting in personal injury or property damage to their property

caused by you or your business.

Industrial Special Risks (ISR)

An Industrial Special Risks (ISR) policy provides additional benefits over and above

the standard Business Insurance policy coverage. ISR policies are ideal for larger

and more complex risks with asset values generally in excess of $10 million and

multiple locations.

Motor Vehicle

Motor and Motor Fleet insurance policies (generally over 12 cars) provide coverage for vehicles,

drivers, and companies. Motor fleet policies can be varied or altered to take into account more

complex issues such as the transportation of hazardous goods.

Machinery Breakdown

Generally, the Machinery Breakdown section / policy will provide cover for breakdown of the motors in machinery. They can also be

extended to include consequential loss, fire and perils, accidental damage and theft.

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.

has enjoyed phenomenal growth over the past twenty years, yet we retain an intimate and personal relationship with

our clients. Owned and managed by Australians who have a wealth of experience in business in their own right, the Company can

provide unique advice and innovative solutions.

McKenzie Ross

Commercial

Property

Commercial property is covered as part of a standard business pack or office insurance policy. You are covered against fire and

specified perils, as well as burglary and malicious damage.

Liability

Public Liability covers payouts, awards, legal fees and other expenses made against you by a third

party as a result of a negligent action resulting in personal injury or property damage to their property

caused by you or your business.

Industrial Special Risks (ISR)

An Industrial Special Risks (ISR) policy provides additional benefits over and above

the standard Business Insurance policy coverage. ISR policies are ideal for larger

and more complex risks with asset values generally in excess of $10 million and

multiple locations.

Motor Vehicle

Motor and Motor Fleet insurance policies (generally over 12 cars) provide coverage for vehicles,

drivers, and companies. Motor fleet policies can be varied or altered to take into account more

complex issues such as the transportation of hazardous goods.

Machinery Breakdown

Generally, the Machinery Breakdown section / policy will provide cover for breakdown of the motors in machinery. They can also be

extended to include consequential loss, fire and perils, accidental damage and theft.

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.

has enjoyed phenomenal growth over the past twenty years, yet we retain an intimate and personal relationship with

our clients. Owned and managed by Australians who have a wealth of experience in business in their own right, the Company can

provide unique advice and innovative solutions.

McKenzie Ross

Commercial

Property

Commercial property is covered as part of a standard business pack or office insurance policy. You are covered against fire and

specified perils, as well as burglary and malicious damage.

Liability

Public Liability covers payouts, awards, legal fees and other expenses made against you by a third

party as a result of a negligent action resulting in personal injury or property damage to their property

caused by you or your business.

Industrial Special Risks (ISR)

An Industrial Special Risks (ISR) policy provides additional benefits over and above

the standard Business Insurance policy coverage. ISR policies are ideal for larger

and more complex risks with asset values generally in excess of $10 million and

multiple locations.

Motor Vehicle

Motor and Motor Fleet insurance policies (generally over 12 cars) provide coverage for vehicles,

drivers, and companies. Motor fleet policies can be varied or altered to take into account more

complex issues such as the transportation of hazardous goods.

Machinery Breakdown

Generally, the Machinery Breakdown section / policy will provide cover for breakdown of the motors in machinery. They can also be

extended to include consequential loss, fire and perils, accidental damage and theft.

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McKenzie Ross

Introduction

Business Insurance

Commercial property is covered as part of a standard business pack or office insurance policy. You are covered against fire and specified perils, as well as the option of taking cover for such things as burglary, money and malicious damage.

Liability

Public Liability covers payouts, awards, legal fees and other expenses made against you by a third party as a result of a negligent action resulting in personal injury or property damage to their property caused by you or your business.

Industrial Special Risks (ISR)

An Industrial Special Risks (ISR) policy provides additional benefits over and above the standard Business Insurance policy coverage. ISR policies are ideal for larger and more complex risks with asset values generally in excess of $10 million and multiple locations.

Motor Vehicle

Motor and Motor Fleet insurance policies (generally over 12 cars) provide coverage for vehicles, drivers and companies. Motor fleet policies can be varied or altered to take into account more complex issues such as the transportation of hazardous goods.

Electronic Equipment / Machinery Breakdown

Machinery Breakdown section / policy will provide cover for breakdown of motors and

electronic equipment. They can also be extended to include consequential loss, fire and perils, accidental damage and theft.

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Private companies and their directors continue to face greater scrutiny regarding the management of their business. In the increasingly, litigious nature of today’s society, there’s always a risk of litigation against you or your business from regulators, customers, clients, competitors… even employees.

Management Liability has been designed to protect the assets of private companies and their directors from litigation arising from the management of their business.

Call or your Account Manager (03) 9691 2222 regarding your Management Liability Insurance requirements.

Barry Long

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20Years Strong

Management Liability Insurance:

Protecting

YOUR

Reputation & Assets

Level 4, 501 LaTrobe Street Melbourne, Victoria, 3000 www.mckenzieross.com.au W: [email protected] E:

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McKenzie Ross

Introduction

Directors and Officers Liability

Directors and Officers Liability Insurance is designed to protect the personal assets of directors and officers by providing indemnity for loss arising from a claim as a result of a ‘wrongful act’ committed by them in the course of performing their duties.

Being sued can be a traumatic and expensive experience and can put your personal assets at risk. With the increasingly litigious nature of our society, along with increasing corporate governance and regulatory surveillance placing greater pressure on company directors and officers to perform meticulously, it is prudent to ensure that you have adequate cover.

Professional Indemnity

Professional Indemnity provides protection against the professional advice being provided to a client. If negligent advice is given to a client which results in a financial loss and compensation is sought as a result professional indemnity insurance will cover legal expenses and damages awarded against the professional.

Employment Practices Liability

Actions taken by employees against employers for employment related issues including but not limited to alleged discrimination, unfair dismissal and sexual or workplace harassment are increasing.

Information Technology Liability

Like other professionals who provide advice and/or services of a skilful character, IT consultants can be liable for a mistake or failure that causes a third party to suffer a financial loss.

Information Technology Liability Packages are specifically designed to provide IT professionals with protection against claims for damages that may be made against them as a result of their work. Due to the nature of the information technology sector IT policies provide a combined professional indemnity and broadform liability package to cover the “grey” area of what is a product and what is advice in provision of services.

Employment Practices Liability Insurance is designed to assist employers reduce the cost exposure and will cover legal expenses and any award as a result of action against the employer brought by an employee.

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McKenzie Ross

Introduction

Tax Audit

This policy covers the professional costs associated with you or your company being audited by the Australian Taxation Office.

Business Interruption

As a section of a standard business policy or section 2 of an ISR policy, this product covers consequential loss of profits and expenses as a result of a loss, under the fire and specified perils section of the policy. It can also be extended to include extra costs as a result for example; relocation and lease of a temporary premises whilst yours is being repaired and/or rebuilt.

Owners Corporation Insurance

Owners Corporation insurance can include cover for material damage to building and common contents, volunteer personal accident, office bearers liability, machinery, fidelity, legal liability for the building and common areas of a property.

Transit, Marina & Ship Repairers Insurance

Covering transits to and from, as well as within Australia of cargo and goods. Also included under the Marine Insurance banner are marina operators, ship repairers and associated liabilities.

Pleasure Craft and Commercial Hull

Marine Insurance provides protection for many aspects of marine-associated activity, from jet-skis, ski-boats and pleasure craft to commercial charter vessels and fishing trawlers.

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Everyone who is in the business of Events and Entertainment knows the stress of soldiering on after a problem has arisen. If your business comes into contact with members of the public, you will be glad of protection against potential damages claims.

In many cases, venues will now require you to have your own Public Liability insurance to cover possible injury to a member of the public.As a performer or promoter, you may be required to have Cancellation insurance to protect against weather, strikes, power outages and illness.

McKenzie Ross has unparalleled experience in providing solutions to your event insurance requirements. The depth of knowledge gathered over 30 years of working in this particular field, combined with strong relationships with event underwriters in Australia and overseas, have made McKenzie Ross the first point of call for Australian event management insurance resources.

We have been involved in all sorts of events from jazz fesitvals, rock concerts, theatre productions, winery concerts, country festivals, markets and everything in between.

Causes far beyond your control can result in you having to cancel your event, or postpone, interrupt or relocate it. Meanwhile, airfares, booking fees, hotel accommodation (and much more!) have already been paid for.

Cancellation insurance can help protect against your potential losses, even when you are a Not-for-Profit organisation.

Cancellation and Abandonment Insurance

Event Insurance

Liability Insurance

Public Liability insurance is essential to provide cover against a member of the public being hurt, or damaging their property, whilst attending your event.

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In many cases, venues will now require you to have your own Public Liability insurance to cover possible injury to a member of the public.As a performer or promoter, you may be required to have Cancellation insurance to protect against weather, strikes, power outages and illness.

McKenzie Ross has unparalleled experience in providing solutions to your event insurance requirements. The depth of knowledge gathered over 30 years of working in this particular field, combined with strong relationships with event underwriters in Australia and overseas, have made McKenzie Ross the first point of call for Australian event management insurance resources.

We have been involved in all sorts of events from jazz fesitvals, rock concerts, theatre productions, winery concerts, country festivals, markets and everything in between.

Causes far beyond your control can result in you having to cancel your event, or postpone, interrupt or relocate it. Meanwhile, airfares, booking fees, hotel accommodation (and much more!) have already been paid for.

Cancellation insurance can help protect against your potential losses, even when you are a Not-for-Profit organisation.

Event Insurance

Liability Insurance

Public Liability insurance is essential to provide cover against a member of the public being hurt, or damaging their property, whilst attending your event.

Event Insurance

In many cases, venues will now require you to have your own Public Liability insurance to cover possible injury to a member of the public. As a performer or promoter, you may be required to have Cancellation insurance to protect against weather, strikes, power outages and illness.

McKenzie Ross has unparalleled experience in providing solutions to your event insurance requirements. The depth of knowledge gathered over 30 years of working in this particular field, combined with strong relationships with event underwriters in Australia and overseas have made McKenzie Ross the first point of call for Australian event management insurance resources.

We have been involved in all sorts of events from jazz festivals, rock concerts, theatre productions, winery concerts, country festivals, markets and everything in between.

Event Liability Insurance

Public Liability insurance is essential to indemnify against a

negligent act the insured, being organisers, promoters, producers, artist managers, lighting & sound engineering businesses, venue owners/operators, against bodily injury or property damage from third parties (members of the public, attendees or the like)

Causes far beyond your control can result in you having to cancel your event, or postpone, interrupt or relocate it. Meanwhile, airfares, booking fees, hotel accommodation (and much more!) have already been paid for. Cancellation insurance can help protect against your potential losses, even if you are a Not-for-Profit organisation.

Fireworks Insurance

McKenzie Ross provides Cover for Pyrotechnics displays within Australia and worldwide. With access to local and London underwriters and our strong commitment to the Pyrotechnics Industry, we are proving ourselves to be the first choice of pyrotechnicians. McKenzie Ross can help, no matter whether it is a one off festival, special event or a major corporate launch. Up to date policy wordings and our very competitive pricing has given us an edge over other insurance providers.

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Life In suran ce, Critical Illn ess/Trauma Cover an d In come Protection meet the financial shortfalls that a rise in the e vent of death , illne ss or acciden t. Idea lly, th ese in surances will simply maintain a given qua lity of life - be it person al, family or busine ss.

The need for adeq uate person al insu rance is elementary but many of us e ither d on’t g et arou nd to it o r mista kenly believe we have enough cover.

Life & Risk Insurance

Critical Illness/Trauma Insurance:

This is a relatively new insurance product designed to cover medical crises arising from accidents or sudden illness.

The “big three” ri sks – cardiovascular disease, stroke and cancer account for the maj ority of all trauma insurance claims. Stroke alone, accounts for 25% of all chronic disability i n Australia. Medical science is very good at keeping us alive, but who pays the bills?

Trauma Insurance provides a lump sum on diagnosis to meet – mortgage payments, medical, family and business needs.

Life Insurance:

Death and Total & Permanent Disablement Insura nce is most often includ ed as a compo nent o f superannu ation. Premiums allocated as part of a supera nnuation plan are tax deductib le .

The average life cove r under super is somewhere between $1 50,000 and $250 ,000. A rule of thumb for how mu ch dea th cover we need is be tween 10 a nd 15 time s our curren t salary to en sure an adequate annu al fa mily income. The average mortgage is now $200 ,000, which along with a mod est income of $50,000 per a nnum, would requ ire a lump sum o f $1 M.

Life & Risk Insurance

Life Insurance, Critical Illness/Trauma Cover and Income Protection meet the financial shortfalls that arise in the event of death, illness or accident. Ideally, these insurances will simply maintain a given quality of life - be it personal, family or business.

The need for adequate personal insurance is elementary but many of us either don’t get around to it or mistakenly believe we have enough cover.

Critical Illness/Trauma Insurance: This is a relatively new insurance product designed to cover medical crises arising from accidents or sudden illness.

The “big three” risks – cardiovascular disease, stroke and cancer account for the majority of all trauma insurance claims. Stroke alone, accounts for 25% of all chronic disability in Australia.

Medical science is very good at keeping us alive, but who pays the bills?

Trauma Insurance provides a lump sum on diagnosis to meet – mortgage payments, medical, family and business needs.

Life Insurance:

Death and Total & Permanent Disablement Insurance is most often included as a component of superannuation. Premiums allocated as part of a superannuation plan are tax deductible.

The average life cover under super is

somewhere between $150,000 and $250,000. A rule of thumb for how much death cover we need is between 10 and 15 times our current salary to ensure an adequate annual family income. The average mortgage is now

$200,000, which along with a modest income of $50,000 per annum, would require a lump sum of $1M.