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defective part.
CPR INSURANCE SERVICES CGU v Porthouse CGU Insurance Limited v Porthouse HCA 30 (30 July 2008) – the High Court determines what is a known circumstance. The High Court of Australia reversed previous decisions to hold that an objective test is applicable when considering the operation of CPR INSURANCE SERVICES Adjustment = $1.1mil x 0.10% = $1,100 less $800 = $300. However, if the actual t/over is less than $800k then no refund is given. To summarise then, the actual premium for this policy won't be calculated until the end of the policy period. In the meantime, you must pay a deposit on the premium and agree that this deposit is only the minimum CPR INSURANCE SERVICES A very confusing area, but all Professional Indemnity policies are “Claims Made” wordings. This is a type of liability insurance policy in which the trigger of coverage is not the occurrence of a loss, but the actual making of a claim in respect of that loss by a third party, upon the CPR INSURANCE SERVICES In a soft market it seems everyone offers a “costs exclusive” excess while in hard market it is a rarity. A skilled Broker must point out at renewal time if the excess has reverted to “Costs Inclusive” or seek to negotiate with the current insurer its retention. Not pointing out this CPR INSURANCE SERVICES Happening by accident or chance. Occurring unexpectedly, accidental, casual, chance, contingent, fluky, inadvertent, odd. This is a word we use in the insurance industry quite a bit to describe what an insurable risk is. And its meaning is as above. CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other ACCIDENTAL DAMAGE HOME INSURANCE 1 Welcome to the Steadfast Accidental Damage Home Insurance Policy This is an important document. If you cannot read and understand English, please use an interpreter to explain CPR INSURANCE SERVICES CPR Insurance Services. We are award winning General Insurance Brokers and corporate authorised representatives of Ausure Pty Ltd. We are based in Brisbane's Inner North, Queensland. We have access to more than 150 General Insurance markets. CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other CPR INSURANCE SERVICES Defective Part. Damages: $1.6M Defence and Investigation Expenses: $65,000. A metalworker designed and manufactured a part used in air compressors. The part allowed a slight leak to develop in the compressor, requiring the company to inspect and replace hundreds of compressors. The metalworker was sued for lost revenue due to thedefective part.
CPR INSURANCE SERVICES CGU v Porthouse CGU Insurance Limited v Porthouse HCA 30 (30 July 2008) – the High Court determines what is a known circumstance. The High Court of Australia reversed previous decisions to hold that an objective test is applicable when considering the operation of CPR INSURANCE SERVICES Adjustment = $1.1mil x 0.10% = $1,100 less $800 = $300. However, if the actual t/over is less than $800k then no refund is given. To summarise then, the actual premium for this policy won't be calculated until the end of the policy period. In the meantime, you must pay a deposit on the premium and agree that this deposit is only the minimum CPR INSURANCE SERVICES A very confusing area, but all Professional Indemnity policies are “Claims Made” wordings. This is a type of liability insurance policy in which the trigger of coverage is not the occurrence of a loss, but the actual making of a claim in respect of that loss by a third party, upon the CPR INSURANCE SERVICES In a soft market it seems everyone offers a “costs exclusive” excess while in hard market it is a rarity. A skilled Broker must point out at renewal time if the excess has reverted to “Costs Inclusive” or seek to negotiate with the current insurer its retention. Not pointing out this CPR INSURANCE SERVICES Happening by accident or chance. Occurring unexpectedly, accidental, casual, chance, contingent, fluky, inadvertent, odd. This is a word we use in the insurance industry quite a bit to describe what an insurable risk is. And its meaning is as above. CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other ACCIDENTAL DAMAGE HOME INSURANCE 1 Welcome to the Steadfast Accidental Damage Home Insurance Policy This is an important document. If you cannot read and understand English, please use an interpreter to explain CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other CPR INSURANCE SERVICES Adjustment = $1.1mil x 0.10% = $1,100 less $800 = $300. However, if the actual t/over is less than $800k then no refund is given. To summarise then, the actual premium for this policy won't be calculated until the end of the policy period. In the meantime, you must pay a deposit on the premium and agree that this deposit is only the minimum CPR INSURANCE SERVICES Utmost Good Faith The duty of Utmost Good Faith Carter v Boehm (1766) 3 Burr 1905 is a landmark English contract law case, in which Lord Mansfield established the duty of utmost good faith or uberrimae fidei in insurance contracts.. Mr Carter was the Governor of Fort Marlborough (now Bengkulu), which was built by the British East India Company in Sumatra, Indonesia. CPR INSURANCE SERVICES Importers are deemed to be manufacturers. Importers are deemed to be the manufacturer in Product liability claims. Generally the manufacturers or importers of products are liable under Parts 3 – 5 of the Australian Consumer Law (ACL) (which forms Schedule 2 to the Competition and Consumer Act 2010).. But also if other suppliers, such as retailers, cannot identify the manufacturer or importer CPR INSURANCE SERVICES As a result the Insurance Industry could see that while a duty of care existed, it was not caused by a deliberate act. It was a negligent act, and just like the creation of public liability and the duty of care owed to members of the public, it meets the criteria ofinsurability. It
CPR INSURANCE SERVICES Hedley Byrne v Heller - gave birth to Professional Indemnity. Hedley Byrne & Co Ltd v Heller & Partners Ltd AC 465 is an English tort law case on pure economic loss, resulting from a negligent misstatement. It has been heralded as the case that led to the development of Professional Indemnity. Before this decision, the ideathat a party
CPR INSURANCE SERVICES Subrogation means “stepping into the shoes of another”. In Insurance speak, its most common usage refers to circumstances in which an insurance company tries to recoup expenses for a claim it paid out when another party should have been responsible for paying at least a portion of that claim. Subrogation is the legal techniqueunder common
CPR INSURANCE SERVICES The claims would all be for variable amounts but if they all averaged $250,000 with an aggregate limit, they would all be covered by insurance. If on the other hand they had one reinstatement, one claim of $250,000 would see the sum insured return to the limit of liability of $5,000,000 but after that, the policy will only cover another 19 CPR INSURANCE SERVICES Efficacy is defined as the capacity for producing a desired result or effect. Efficacy is an exclusion applied to Product Liability insurance policies in respect of failure of a product to perform its intended function. The policy is there to cover injury or propertydamage caused by
CPR INSURANCE SERVICES Control Panel Features NAVIGATOR CONTROL PANEL 8 or 16 alarm zones. Supports up to 3 Navigator keypads. 56 user codes can be programmed to operate by keypad PIN, CPR INSURANCE SERVICES CPR Insurance Services. We are award winning General Insurance Brokers and corporate authorised representatives of Ausure Pty Ltd. We are based in Brisbane's Inner North, Queensland. We have access to more than 150 General Insurance markets. CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other CPR INSURANCE SERVICES Defective Part. Damages: $1.6M Defence and Investigation Expenses: $65,000. A metalworker designed and manufactured a part used in air compressors. The part allowed a slight leak to develop in the compressor, requiring the company to inspect and replace hundreds of compressors. The metalworker was sued for lost revenue due to thedefective part.
CPR INSURANCE SERVICES Adjustment = $1.1mil x 0.10% = $1,100 less $800 = $300. However, if the actual t/over is less than $800k then no refund is given. To summarise then, the actual premium for this policy won't be calculated until the end of the policy period. In the meantime, you must pay a deposit on the premium and agree that this deposit is only the minimum CPR INSURANCE SERVICES Underinsurance will not apply if the amount of the Damage is less than 5% of the Sum Insured. The Average Clause works like this: (3) Where: (a) the sum insured in respect of property that is the subject-matter of such a contract is less than 80% of the value of the property; and. (b) but for this subsection, an average provision included in CPR INSURANCE SERVICES In a soft market it seems everyone offers a “costs exclusive” excess while in hard market it is a rarity. A skilled Broker must point out at renewal time if the excess has reverted to “Costs Inclusive” or seek to negotiate with the current insurer its retention. Not pointing out this CPR INSURANCE SERVICES CGU v Porthouse CGU Insurance Limited v Porthouse HCA 30 (30 July 2008) – the High Court determines what is a known circumstance. The High Court of Australia reversed previous decisions to hold that an objective test is applicable when considering the operation of CPR INSURANCE SERVICES The claims would all be for variable amounts but if they all averaged $250,000 with an aggregate limit, they would all be covered by insurance. If on the other hand they had one reinstatement, one claim of $250,000 would see the sum insured return to the limit of liability of $5,000,000 but after that, the policy will only cover another 19 CPR INSURANCE SERVICES Control Panel Features NAVIGATOR CONTROL PANEL 8 or 16 alarm zones. Supports up to 3 Navigator keypads. 56 user codes can be programmed to operate by keypad PIN, ACCIDENTAL DAMAGE HOME INSURANCE 1 Welcome to the Steadfast Accidental Damage Home Insurance Policy This is an important document. If you cannot read and understand English, please use an interpreter to explain CPR INSURANCE SERVICES CPR Insurance Services. We are award winning General Insurance Brokers and corporate authorised representatives of Ausure Pty Ltd. We are based in Brisbane's Inner North, Queensland. We have access to more than 150 General Insurance markets. CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other CPR INSURANCE SERVICES Defective Part. Damages: $1.6M Defence and Investigation Expenses: $65,000. A metalworker designed and manufactured a part used in air compressors. The part allowed a slight leak to develop in the compressor, requiring the company to inspect and replace hundreds of compressors. The metalworker was sued for lost revenue due to thedefective part.
CPR INSURANCE SERVICES Adjustment = $1.1mil x 0.10% = $1,100 less $800 = $300. However, if the actual t/over is less than $800k then no refund is given. To summarise then, the actual premium for this policy won't be calculated until the end of the policy period. In the meantime, you must pay a deposit on the premium and agree that this deposit is only the minimum CPR INSURANCE SERVICES Underinsurance will not apply if the amount of the Damage is less than 5% of the Sum Insured. The Average Clause works like this: (3) Where: (a) the sum insured in respect of property that is the subject-matter of such a contract is less than 80% of the value of the property; and. (b) but for this subsection, an average provision included in CPR INSURANCE SERVICES In a soft market it seems everyone offers a “costs exclusive” excess while in hard market it is a rarity. A skilled Broker must point out at renewal time if the excess has reverted to “Costs Inclusive” or seek to negotiate with the current insurer its retention. Not pointing out this CPR INSURANCE SERVICES CGU v Porthouse CGU Insurance Limited v Porthouse HCA 30 (30 July 2008) – the High Court determines what is a known circumstance. The High Court of Australia reversed previous decisions to hold that an objective test is applicable when considering the operation of CPR INSURANCE SERVICES The claims would all be for variable amounts but if they all averaged $250,000 with an aggregate limit, they would all be covered by insurance. If on the other hand they had one reinstatement, one claim of $250,000 would see the sum insured return to the limit of liability of $5,000,000 but after that, the policy will only cover another 19 CPR INSURANCE SERVICES Control Panel Features NAVIGATOR CONTROL PANEL 8 or 16 alarm zones. Supports up to 3 Navigator keypads. 56 user codes can be programmed to operate by keypad PIN, ACCIDENTAL DAMAGE HOME INSURANCE 1 Welcome to the Steadfast Accidental Damage Home Insurance Policy This is an important document. If you cannot read and understand English, please use an interpreter to explain CPR INSURANCE SERVICES About Us. For CPR Insurance Services, our clients are the reason we are in business. We really do care about them, their business and looking after them should a catastrophe or other event occur that could affect their assets, ability to generate income and their personal well being. CPR INSURANCE SERVICES Insurance limits up to $15 million coverage per patent are available. Deductibles can start around $50,000 to $100,000 and include a co-insurance percentage after the deductible. The co-payment can vary from 15% to 25%. Defence expenses such as legal fees, declaratory statements, injunctions, and appeals are usually covered by thepolicies.
CPR INSURANCE SERVICES Underinsurance will not apply if the amount of the Damage is less than 5% of the Sum Insured. The Average Clause works like this: (3) Where: (a) the sum insured in respect of property that is the subject-matter of such a contract is less than 80% of the value of the property; and. (b) but for this subsection, an average provision included in CPR INSURANCE SERVICES Importers are deemed to be manufacturers. Importers are deemed to be the manufacturer in Product liability claims. Generally the manufacturers or importers of products are liable under Parts 3 – 5 of the Australian Consumer Law (ACL) (which forms Schedule 2 to the Competition and Consumer Act 2010).. But also if other suppliers, such as retailers, cannot identify the manufacturer or importer CPR INSURANCE SERVICES CGU v Porthouse CGU Insurance Limited v Porthouse HCA 30 (30 July 2008) – the High Court determines what is a known circumstance. The High Court of Australia reversed previous decisions to hold that an objective test is applicable when considering the operation of CPR INSURANCE SERVICES The fine under the Workplace Health &Safety Act 1995 amounted to $30,000. The hotel also incurred legal costs in the investigation of the incident. A Cairns diving company was fined $20,000 and ordered to pays costs after a diver died during a diving trip. It was found that the air supply line to the diver was weaker than required byAustralian
CPR INSURANCE SERVICES Happening by accident or chance. Occurring unexpectedly, accidental, casual, chance, contingent, fluky, inadvertent, odd. This is a word we use in the insurance industry quite a bit to describe what an insurable risk is. And its meaning is as above. CPR INSURANCE SERVICES Hedley Byrne v Heller - gave birth to Professional Indemnity. Hedley Byrne & Co Ltd v Heller & Partners Ltd AC 465 is an English tort law case on pure economic loss, resulting from a negligent misstatement. It has been heralded as the case that led to the development of Professional Indemnity. Before this decision, the ideathat a party
CPR INSURANCE SERVICES Control Panel Features NAVIGATOR CONTROL PANEL 8 or 16 alarm zones. Supports up to 3 Navigator keypads. 56 user codes can be programmed to operate by keypad PIN, CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other CPR INSURANCE SERVICES CPR Insurance Services. We are award winning General Insurance Brokers and corporate authorised representatives of Ausure Pty Ltd. We are based in Brisbane's Inner North, Queensland. We have access to more than 150 General Insurance markets. CPR INSURANCE SERVICES CGU v Porthouse CGU Insurance Limited v Porthouse HCA 30 (30 July 2008) – the High Court determines what is a known circumstance. The High Court of Australia reversed previous decisions to hold that an objective test is applicable when considering the operation of CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other ACCIDENTAL DAMAGE HOME INSURANCE 1 Welcome to the Steadfast Accidental Damage Home Insurance Policy This is an important document. If you cannot read and understand English, please use an interpreter to explain CPR INSURANCE SERVICES Control Panel Features NAVIGATOR CONTROL PANEL 8 or 16 alarm zones. Supports up to 3 Navigator keypads. 56 user codes can be programmed to operate by keypad PIN, CPR INSURANCE SERVICES CPR Insurance Services. We are award winning General Insurance Brokers and corporate authorised representatives of Ausure Pty Ltd. We are based in Brisbane's Inner North, Queensland. We have access to more than 150 General Insurance markets. CPR INSURANCE SERVICES CGU v Porthouse CGU Insurance Limited v Porthouse HCA 30 (30 July 2008) – the High Court determines what is a known circumstance. The High Court of Australia reversed previous decisions to hold that an objective test is applicable when considering the operation of CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other ACCIDENTAL DAMAGE HOME INSURANCE 1 Welcome to the Steadfast Accidental Damage Home Insurance Policy This is an important document. If you cannot read and understand English, please use an interpreter to explain CPR INSURANCE SERVICES Control Panel Features NAVIGATOR CONTROL PANEL 8 or 16 alarm zones. Supports up to 3 Navigator keypads. 56 user codes can be programmed to operate by keypad PIN, CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other CPR INSURANCE SERVICES Control Panel Features NAVIGATOR CONTROL PANEL 8 or 16 alarm zones. Supports up to 3 Navigator keypads. 56 user codes can be programmed to operate by keypad PIN, CPR INSURANCE SERVICES Three Years running - Insurance Brokerage of the Year 1 to 5 staff. Posted by Robert Cooper on (1:04 AM, 10/29/2020) Mandy and Robert Cooper were extremely honoured and astounded to once again win, Insurance Brokerage of the Year for 2020 from Insurance BusinessAustralia magazine.
CPR INSURANCE SERVICES Importers are deemed to be manufacturers. Importers are deemed to be the manufacturer in Product liability claims. Generally the manufacturers or importers of products are liable under Parts 3 – 5 of the Australian Consumer Law (ACL) (which forms Schedule 2 to the Competition and Consumer Act 2010).. But also if other suppliers, such as retailers, cannot identify the manufacturer or importer CPR INSURANCE SERVICES Utmost Good Faith The duty of Utmost Good Faith Carter v Boehm (1766) 3 Burr 1905 is a landmark English contract law case, in which Lord Mansfield established the duty of utmost good faith or uberrimae fidei in insurance contracts.. Mr Carter was the Governor of Fort Marlborough (now Bengkulu), which was built by the British East India Company in Sumatra, Indonesia. CPR INSURANCE SERVICES CPR Insurance Services are Specialist Brokers and consultants in risks to the Professional person. These include Professional Indemnity, Medical Malpractice, IT Liability, Investment Managers Liability, Management Liability, Employment Practices Liability and Directors & Officers Liability Insurances. Cooper Professional Risks Pty Ltd is a CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other CPR INSURANCE SERVICES Adjustment = $1.1mil x 0.10% = $1,100 less $800 = $300. However, if the actual t/over is less than $800k then no refund is given. To summarise then, the actual premium for this policy won't be calculated until the end of the policy period. In the meantime, you must pay a deposit on the premium and agree that this deposit is only the minimum CPR INSURANCE SERVICES Defective Part. Damages: $1.6M Defence and Investigation Expenses: $65,000. A metalworker designed and manufactured a part used in air compressors. The part allowed a slight leak to develop in the compressor, requiring the company to inspect and replace hundreds of compressors. The metalworker was sued for lost revenue due to thedefective part.
CPR INSURANCE SERVICES CGU v Porthouse CGU Insurance Limited v Porthouse HCA 30 (30 July 2008) – the High Court determines what is a known circumstance. The High Court of Australia reversed previous decisions to hold that an objective test is applicable when considering the operation of CPR INSURANCE SERVICES In a soft market it seems everyone offers a “costs exclusive” excess while in hard market it is a rarity. A skilled Broker must point out at renewal time if the excess has reverted to “Costs Inclusive” or seek to negotiate with the current insurer its retention. Not pointing out this CPR INSURANCE SERVICES 36 Wrongly accepting payment. (1) A person must not, in trade or commerce, accept payment or other consideration for goods or services if, at the time of the acceptance, the person intends not to supply the goods or services. Note: A pecuniary penalty may be imposed for a contravention of this subsection. (2) A person must not, in trade or CPR INSURANCE SERVICES Happening by accident or chance. Occurring unexpectedly, accidental, casual, chance, contingent, fluky, inadvertent, odd. This is a word we use in the insurance industry quite a bit to describe what an insurable risk is. And its meaning is as above. CPR INSURANCE SERVICES Subrogation means “stepping into the shoes of another”. In Insurance speak, its most common usage refers to circumstances in which an insurance company tries to recoup expenses for a claim it paid out when another party should have been responsible for paying at least a portion of that claim. Subrogation is the legal techniqueunder common
ACCIDENTAL DAMAGE HOME INSURANCE 1 Welcome to the Steadfast Accidental Damage Home Insurance Policy This is an important document. If you cannot read and understand English, please use an interpreter to explain CPR INSURANCE SERVICES CPR Insurance Services are Specialist Brokers and consultants in risks to the Professional person. These include Professional Indemnity, Medical Malpractice, IT Liability, Investment Managers Liability, Management Liability, Employment Practices Liability and Directors & Officers Liability Insurances. Cooper Professional Risks Pty Ltd is a CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other CPR INSURANCE SERVICES Adjustment = $1.1mil x 0.10% = $1,100 less $800 = $300. However, if the actual t/over is less than $800k then no refund is given. To summarise then, the actual premium for this policy won't be calculated until the end of the policy period. In the meantime, you must pay a deposit on the premium and agree that this deposit is only the minimum CPR INSURANCE SERVICES Defective Part. Damages: $1.6M Defence and Investigation Expenses: $65,000. A metalworker designed and manufactured a part used in air compressors. The part allowed a slight leak to develop in the compressor, requiring the company to inspect and replace hundreds of compressors. The metalworker was sued for lost revenue due to thedefective part.
CPR INSURANCE SERVICES CGU v Porthouse CGU Insurance Limited v Porthouse HCA 30 (30 July 2008) – the High Court determines what is a known circumstance. The High Court of Australia reversed previous decisions to hold that an objective test is applicable when considering the operation of CPR INSURANCE SERVICES In a soft market it seems everyone offers a “costs exclusive” excess while in hard market it is a rarity. A skilled Broker must point out at renewal time if the excess has reverted to “Costs Inclusive” or seek to negotiate with the current insurer its retention. Not pointing out this CPR INSURANCE SERVICES 36 Wrongly accepting payment. (1) A person must not, in trade or commerce, accept payment or other consideration for goods or services if, at the time of the acceptance, the person intends not to supply the goods or services. Note: A pecuniary penalty may be imposed for a contravention of this subsection. (2) A person must not, in trade or CPR INSURANCE SERVICES Happening by accident or chance. Occurring unexpectedly, accidental, casual, chance, contingent, fluky, inadvertent, odd. This is a word we use in the insurance industry quite a bit to describe what an insurable risk is. And its meaning is as above. CPR INSURANCE SERVICES Subrogation means “stepping into the shoes of another”. In Insurance speak, its most common usage refers to circumstances in which an insurance company tries to recoup expenses for a claim it paid out when another party should have been responsible for paying at least a portion of that claim. Subrogation is the legal techniqueunder common
ACCIDENTAL DAMAGE HOME INSURANCE 1 Welcome to the Steadfast Accidental Damage Home Insurance Policy This is an important document. If you cannot read and understand English, please use an interpreter to explain CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other CPR INSURANCE SERVICES Utmost Good Faith The duty of Utmost Good Faith Carter v Boehm (1766) 3 Burr 1905 is a landmark English contract law case, in which Lord Mansfield established the duty of utmost good faith or uberrimae fidei in insurance contracts.. Mr Carter was the Governor of Fort Marlborough (now Bengkulu), which was built by the British East India Company in Sumatra, Indonesia. CPR INSURANCE SERVICES 36 Wrongly accepting payment. (1) A person must not, in trade or commerce, accept payment or other consideration for goods or services if, at the time of the acceptance, the person intends not to supply the goods or services. Note: A pecuniary penalty may be imposed for a contravention of this subsection. (2) A person must not, in trade or CPR INSURANCE SERVICES The fine under the Workplace Health &Safety Act 1995 amounted to $30,000. The hotel also incurred legal costs in the investigation of the incident. A Cairns diving company was fined $20,000 and ordered to pays costs after a diver died during a diving trip. It was found that the air supply line to the diver was weaker than required byAustralian
CPR INSURANCE SERVICES Subrogation means “stepping into the shoes of another”. In Insurance speak, its most common usage refers to circumstances in which an insurance company tries to recoup expenses for a claim it paid out when another party should have been responsible for paying at least a portion of that claim. Subrogation is the legal techniqueunder common
CPR INSURANCE SERVICES As a result the Insurance Industry could see that while a duty of care existed, it was not caused by a deliberate act. It was a negligent act, and just like the creation of public liability and the duty of care owed to members of the public, it meets the criteria ofinsurability. It
CPR INSURANCE SERVICES Efficacy is defined as the capacity for producing a desired result or effect. Efficacy is an exclusion applied to Product Liability insurance policies in respect of failure of a product to perform its intended function. The policy is there to cover injury or propertydamage caused by
CPR INSURANCE SERVICES Hedley Byrne v Heller - gave birth to Professional Indemnity. Hedley Byrne & Co Ltd v Heller & Partners Ltd AC 465 is an English tort law case on pure economic loss, resulting from a negligent misstatement. It has been heralded as the case that led to the development of Professional Indemnity. Before this decision, the ideathat a party
CPR INSURANCE SERVICES The claims would all be for variable amounts but if they all averaged $250,000 with an aggregate limit, they would all be covered by insurance. If on the other hand they had one reinstatement, one claim of $250,000 would see the sum insured return to the limit of liability of $5,000,000 but after that, the policy will only cover another 19 CPR INSURANCE SERVICES Control Panel Features NAVIGATOR CONTROL PANEL 8 or 16 alarm zones. Supports up to 3 Navigator keypads. 56 user codes can be programmed to operate by keypad PIN, CPR INSURANCE SERVICES CPR Insurance Services. We are award winning General Insurance Brokers and corporate authorised representatives of Ausure Pty Ltd. We are based in Brisbane's Inner North, Queensland. We have access to more than 150 General Insurance markets. CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other CPR INSURANCE SERVICES Defective Part. Damages: $1.6M Defence and Investigation Expenses: $65,000. A metalworker designed and manufactured a part used in air compressors. The part allowed a slight leak to develop in the compressor, requiring the company to inspect and replace hundreds of compressors. The metalworker was sued for lost revenue due to thedefective part.
CPR INSURANCE SERVICES Adjustment = $1.1mil x 0.10% = $1,100 less $800 = $300. However, if the actual t/over is less than $800k then no refund is given. To summarise then, the actual premium for this policy won't be calculated until the end of the policy period. In the meantime, you must pay a deposit on the premium and agree that this deposit is only the minimum CPR INSURANCE SERVICES CGU v Porthouse CGU Insurance Limited v Porthouse HCA 30 (30 July 2008) – the High Court determines what is a known circumstance. The High Court of Australia reversed previous decisions to hold that an objective test is applicable when considering the operation of CPR INSURANCE SERVICES Underinsurance will not apply if the amount of the Damage is less than 5% of the Sum Insured. The Average Clause works like this: (3) Where: (a) the sum insured in respect of property that is the subject-matter of such a contract is less than 80% of the value of the property; and. (b) but for this subsection, an average provision included in CPR INSURANCE SERVICESSEE MORE ON PROFESSIONALRISK.COM.AU CPR INSURANCE SERVICES In a soft market it seems everyone offers a “costs exclusive” excess while in hard market it is a rarity. A skilled Broker must point out at renewal time if the excess has reverted to “Costs Inclusive” or seek to negotiate with the current insurer its retention. Not pointing out this CPR INSURANCE SERVICES Control Panel Features NAVIGATOR CONTROL PANEL 8 or 16 alarm zones. Supports up to 3 Navigator keypads. 56 user codes can be programmed to operate by keypad PIN, ACCIDENTAL DAMAGE HOME INSURANCE 1 Welcome to the Steadfast Accidental Damage Home Insurance Policy This is an important document. If you cannot read and understand English, please use an interpreter to explain CPR INSURANCE SERVICES CPR Insurance Services. We are award winning General Insurance Brokers and corporate authorised representatives of Ausure Pty Ltd. We are based in Brisbane's Inner North, Queensland. We have access to more than 150 General Insurance markets. CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other CPR INSURANCE SERVICES Defective Part. Damages: $1.6M Defence and Investigation Expenses: $65,000. A metalworker designed and manufactured a part used in air compressors. The part allowed a slight leak to develop in the compressor, requiring the company to inspect and replace hundreds of compressors. The metalworker was sued for lost revenue due to thedefective part.
CPR INSURANCE SERVICES Adjustment = $1.1mil x 0.10% = $1,100 less $800 = $300. However, if the actual t/over is less than $800k then no refund is given. To summarise then, the actual premium for this policy won't be calculated until the end of the policy period. In the meantime, you must pay a deposit on the premium and agree that this deposit is only the minimum CPR INSURANCE SERVICES CGU v Porthouse CGU Insurance Limited v Porthouse HCA 30 (30 July 2008) – the High Court determines what is a known circumstance. The High Court of Australia reversed previous decisions to hold that an objective test is applicable when considering the operation of CPR INSURANCE SERVICES Underinsurance will not apply if the amount of the Damage is less than 5% of the Sum Insured. The Average Clause works like this: (3) Where: (a) the sum insured in respect of property that is the subject-matter of such a contract is less than 80% of the value of the property; and. (b) but for this subsection, an average provision included in CPR INSURANCE SERVICESSEE MORE ON PROFESSIONALRISK.COM.AU CPR INSURANCE SERVICES In a soft market it seems everyone offers a “costs exclusive” excess while in hard market it is a rarity. A skilled Broker must point out at renewal time if the excess has reverted to “Costs Inclusive” or seek to negotiate with the current insurer its retention. Not pointing out this CPR INSURANCE SERVICES Control Panel Features NAVIGATOR CONTROL PANEL 8 or 16 alarm zones. Supports up to 3 Navigator keypads. 56 user codes can be programmed to operate by keypad PIN, ACCIDENTAL DAMAGE HOME INSURANCE 1 Welcome to the Steadfast Accidental Damage Home Insurance Policy This is an important document. If you cannot read and understand English, please use an interpreter to explain CPR INSURANCE SERVICES About Us. For CPR Insurance Services, our clients are the reason we are in business. We really do care about them, their business and looking after them should a catastrophe or other event occur that could affect their assets, ability to generate income and their personal well being. CPR INSURANCE SERVICES Three Years running - Insurance Brokerage of the Year 1 to 5 staff. Posted by Robert Cooper on (1:04 AM, 10/29/2020) Mandy and Robert Cooper were extremely honoured and astounded to once again win, Insurance Brokerage of the Year for 2020 from Insurance BusinessAustralia magazine.
CPR INSURANCE SERVICES CPR Insurance Services are able to obtain insurance for anyone in Film or television production. This type of insurance is rated on the proposed Film’s budget. The rate then depends on the type of production and the potential risks associated with it. Here is a list of some of the information we may require in order to obtain aquotation:
CPR INSURANCE SERVICES Adjustment = $1.1mil x 0.10% = $1,100 less $800 = $300. However, if the actual t/over is less than $800k then no refund is given. To summarise then, the actual premium for this policy won't be calculated until the end of the policy period. In the meantime, you must pay a deposit on the premium and agree that this deposit is only the minimum CPR INSURANCE SERVICES Underinsurance will not apply if the amount of the Damage is less than 5% of the Sum Insured. The Average Clause works like this: (3) Where: (a) the sum insured in respect of property that is the subject-matter of such a contract is less than 80% of the value of the property; and. (b) but for this subsection, an average provision included in CPR INSURANCE SERVICES Cooper Professional Risks Pty Ltd t/as CPR Insurance Services can provide the full range of General Insurances and risk advice for whether you are a small, medium or large corporate business. While their specialty is Professional Indemnity and other CPR INSURANCE SERVICES Three Years running - Insurance Brokerage of the Year 1 to 5 staff. Posted by Robert Cooper on (1:04 AM, 10/29/2020) Mandy and Robert Cooper were extremely honoured and astounded to once again win, Insurance Brokerage of the Year for 2020 from Insurance BusinessAustralia magazine.
CPR INSURANCE SERVICES Professional Liability insurance for IT professionals, Sometimes called errors and omissions or E&O insurance, is available from a wide range of specialty lines insurers. Coverage and pricing varies greatly depending upon the type of organization, size, location and the specific services provided. Because this coverage is a new andevolving it
CPR INSURANCE SERVICES CPR Insurance Services is definitely one that can assist you with these risks. Remember that you need a General Liability cover with the highest possible limits due to CPR INSURANCE SERVICES A very confusing area, but all Professional Indemnity policies are “Claims Made” wordings. This is a type of liability insurance policy in which the trigger of coverage is not the occurrence of a loss, but the actual making of a claim in respect of that loss by a third party, upon the CPR INSURANCE SERVICES Experts who will save you* Home
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CPR INSURANCE SERVICES We are award winning General Insurance Brokers and corporate authorised representatives of Ausure Pty Ltd We are based based in Brisbane's Inner North, Queensland.We
have access to more than 150 General Insurance markets. As a Brokerwe
represent you to buy your Risk or Insurance solution at the best possible price for your Business or Organisation. We are also a Steadfast Broker, giving you strength when you need it with enhanced policy wordings and backup support
CPR Insurance Services can access the full range of General Insurers to find the Insurance solution for you. Whether you run a Retail Shop or a fully qualified professional giving advice to their own clients. Whether you are a small, medium or large corporate business. Any type of client can be catered for. Specific classes of Insurance we can help you with include: * Professional Indemnity * Directors & Officers Liability including Management Liability,
Employment Practices Liability * Cyber Risk Insurance * Public and Products Liability * Business, Trades and Office Packs * Industrial Special Risk (ISR) policies * Construction Risks (Contract Works) * Association Liability (for Not for Profit organisations) * Commercial and Business Motor including fleets. * Householders Insurance – Prestige covers COOPER PROFESSIONAL RISKS PTY LTD CPR Insurance Services are Specialist Brokers and consultantsin
risks to the Professional person. These include Professional Indemnity, Medical Malpractice, IT Liability, Investment Managers Liability, Management Liability, Employment Practices Liability and Directors & Officers Liability Insurances. Cooper Professional Risks Pty Ltd is a specialist in all types of "Claims Made" typepolicies.
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GET A CPR RESUSCITATION! We can review your current Insurance programme and rescue it ifneeded. We will –
* Identify gaps in cover * Identify restrictive or prejudicial clauses * Make recommendations for improvement * If necessary, provide alternate cover or terms to change insurers CPR Resuscitation of your insurance programme can save you in more ways than one. We are experts who will save you. _CPR INSURANCE - EXPERTS WHO WILL SAVE YOU! _THE CPR METHOD
As Insurance Brokers, we need to be experts and display professionalism in all areas of General Insurance. * We give you personal advice and not just general advice which is all you receive from Call Centres and On-line * We identify your risk needs * We analyse these risks * We work with you to determine how these risks should be handled ormanaged
* If needing Insurance, we seek the best cover at the best price * We always act in your best interests * And if you do make a claim, you will get all the CPR you need. CPR INSURANCE - _EXPERTS WHO WILL SAVE YOU!_LATEST NEWS
FINALIST IN THE INSURANCE INDUSTRY AWARDS Posted by Robert Cooper on (12:27 AM, 07/12/2019) We were pleased to be advised this week that we are a finalist in the Australian Insurance Industry Awards in the category of Most Outstanding Authorised Representative Business for 2019. Our company very much appreciates the accolade and just being nominated is prestigious to us. The awards ceremony is in August and we will see how we go, but being in the Top 4 is a credit to our team who have worked tremendously hard in the last eight years.read more
2019 INSURANCE BROKERAGE OF THE YEAR Posted by Robert Cooper on (5:41 AM, 05/08/2019) CPR Insurance Services are so proud to be awards for the second year in a row, "Australian Insurance Brokerage of the Year (1-5 staff)". To win this award two years running is very much a fantastic achievement and reflects the high standard we have maintained in the last twoyears.
We very much thank our hard working staff, Ausure Insurance Brokers our licence holder, the Steadfast Group, NIBA and LMI who have supported us with resources and services to meet the demands of ourclients.
And of course we thank all our clients for their fantastic support over the eight years of our business, who if not for them, we would not have a business. Thank you.read more
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GENERAL ADVICE WARNING: Please be aware any advice that may have been given or implied is General advice only. We have not taken into consideration your individual needs, objectives or financial requirements. Before deciding to purchase a financial product, you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.COMPANY
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PO Box 180,
Grange QLD 4051
Phone 07 3123 1137
Mobile 0439 530 910
Cooper Professional Risks Pty Ltd trading as CPR Insurance Services (ABN 51 146 841 287) is an authorised representative of Ausure Pty Ltd (ABN 94 096 971 854)(AFSL. 238433)
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