What We Do

General and Products Liability Protection
Covers liabilities arising from personal injury (including death), other injury and property damage caused by a protected event during the protection period.

Professional Liability Protection
Covers legal liabilities to pay damages as a result of claims arising out of any negligent act, error or omission in relation to the Member's professional business.

Malpractice Protection
Covers legal liabilities to pay damages as a result of claims made for bodily injury (including death) arising out of any negligent act, error or omission in relation to the provision of medical and/or veterinary services.

Clinical Trials Protection
Covers liabilities for damages or compensation and claimants’ costs and expenses for bodily injury to any research subject arising from an occurrence in respect of any clinical trial undertaken.

Covers the material loss of assets such as buildings, plant, machinery, stock and merchandise, and personal property, and also extends to claims for protection for loss of revenue, increased cost of working, loss of rental income and additional expense resulting from interruption or interference to the business.

Covers claims arising out of an actual or alleged breach of personal and corporate information held by the member, including claims arising where the data has been passed to an outsourced provider.

Examples include the contamination, destruction, modification or corruption of data, denial of access, theft of access codes, unauthorised access and use, cyber extortion, network interruption, defence costs, data administrative fines, investigation costs, forensic services and reputational repair support.

Whereas the property and liability covers will respond to pollution caused by a sudden release, Environmental liability cover responds to losses arising from gradual release over an extended period, including resultant claims, remediation and legal defense costs.

A base level of Environmental Liability protection is automatically provided to all Members who take up property and liability classes with Unimutual, with a number of cover enhancements available as priced options:

• Pre-Existing Pollution Conditions, 1 – Year Retroactive Date, Business Interruption, Underground Storage Tanks, Crisis Management, Contractors Pollution Liability Extension, Construction Work, Contractors
• Pollution Liability Extension – Asbestos & lead abatement program, Transportation Coverage, Asbestos coverage caused by an Insured Peril, Asbestos coverage for BI & PD only.

Losses solely and directly caused by an Active Assailant Event occurring during the Protection Period within the Geographical Limits as stated within the schedule including;

• Public Relations consultancy costs by a Mutual approved consultant
• Relocation expenses for the Member
• Counselling and/or psychiatric expenses
• Medical expenses other than counselling or psychiatric expenses

Unimutual also arranges Management Liability Insurance, including Directors and Officers Liability Insurance, underwritten and issued by Chubb Insurance.

Covers the material loss of assets for damage caused by an act of terrorism, including consequential loss. It also covers legal liabilities arising from an act of terrorism.

The Management Liability Policy is arranged by Unimutual and underwritten and issued by Chubb Insurance Australia Limited. The primary extensions of cover that are available to members include;

• Directors and Officers Liability – Provides cover for directors, officers employees and the member for defence costs and legal liability incurred on account of claims and prosecutions against them in their role.
• Employment Practices Liability
• Crime Cover – Provides members with cover against direct loss of money, securities or property resulting from theft, fraud or dishonesty committed by an employee, with Full Crime Cover option available.
• Crisis Loss – To cover members for crisis loss and reputational expenses where an unforeseen event could cause an imminent decrease of greater than 30% of annual revenues.
• Tax Audit Expenses – Provides cover for tax audit expenses of any organisational claim during the policy year following a Tax Audit Notice from the ATO.
• Kidnap & Ransom – To insure senior executive staff against expenses incurred in connection with a kidnapping, hijacking, wrongful detention, extortion or political threat.
• Statutory Liability Expenses – to insure against pecuniary or administrative fines or penalties levied by regulatory and government bodies arising from the breach of an Act.

Specialist cover that offers the protection necessary for the unique risks associated with art collections, including paintings and rare books.