Based on this information, Miller & Associates will design a suitable Property and Liability insurance programme that will protect you against these exposures.
Past claims experience will be studied in detail to highlight common threats and trends.
Miller & Associates will assist you to prepare a full Risk Profile designed to fully disclose all material facts to potential underwriters, but in a positive way.
This work will be reviewed annually to ensure that it remains accurate.
Insurance will be offered with a minimum of sub limits, and a variety of alternative deductibles for your consideration.
Miller & Associates is proactive with regard to the selection
of potential underwriters for its clients programmes. The Miller
& Associates Security Committee reviews the security of
underwriters throughout the world on a constant basis and only
those underwriters who meet the Miller & Associates standard
will be approached.
Industrial Special Risks
Miller & Associates arranges this coverage in Australian and overseas markets using brokers with significant experience.
Coverage includes fire, storm, earthquake and the like, theft
and all other risk of loss or damage, and policies are tailor
made to meet each individual
clients needs.
Exclusions are kept to a minimum and fully explained to our clients.
Conditions are thoroughly reviewed and explained.
Separate Breakdown and Crime insurance are arranged as required.
Business Interruption
Miller & Associates prides itself on the attention it gives to ensuring that its clients Business Interruption insurance provides the full coverage it is designed to do, for in many cases following a catastrophe, the Business Interruption loss may exceed the Property loss.
Miller & Associates arranges interruption surveys in which interruption specialists and/or accountants consider the operations and dependencies of each client and the length of time that the business may be interrupted in the event of a catastrophe. The survey considers the effect on the Payroll and on the Increased cost of doing business.
Following receipt of the interruption report, Miller & Associates assists clients in the calculation of the amounts to be insured and the preparation of the necessary Risk Profile.
Public and Products Liability
A liability policy protects you against any sums you may become liable to pay unless it is excluded. It is therefore apparent that it is essential that the actual policy wording is properly drafted.
Most liability policies are limited to your liability for Death or Injury to third parties and/or loss or damage to third party property. Many have the most amazing and far reaching definitions, exclusions and conditions.
Miller & Associates specialises in gaining a full understanding of our clients business and designing specific policy wordings, in partnership with them, before negotiating with suitable insurers.
A full Risk Profile is prepared which declares all material facts and presents the risk in a thorough yet positive fashion.
Insurers are carefully selected, not only for their security, but also for their ability to handle claims once an incident has occurred.
Miller & Associates negotiates with underwriters within Australia and overseas using specifically trained and experienced brokers.
Options are provided with deductible options both on an any one loss and aggregate basis - and with a variety of limits.
Miller & Associates can introduce clients to a number of Third Party claims administrators in the event that a large deductible is chosen, and claims under the deductible must be managed.