Breeze Underwriting

Introducing Breeze Accommodation

by Breeze Underwriting on December 8, 2016 No comments

We are delighted to announce the launch of our newest brand: Breeze Accommodation!

At Breeze, we’ve been working hard to expand the risks that we can accept. Our most recent ventures include:

  • Teaming up with a new Insurer Partner, The Hollard Insurance Company Pty Ltd (Hollard)
  • Launching our innovative new Bed & Breakfast cover

Our new Bed & Breakfast cover will be available within our package wording effective from 1.1.2017

The key highlights of Breeze Accommodation are:

  • Personal Contents and Personal Liability Cover for B&B Operators & Motel Manager/Inn Keepers
  • Flood cover automatically included for B&B operators (unless otherwise advised)
  • Full commission payable on B&B risks
  • Serviced by experienced Hospitality Underwriters
  • Machinery Breakdown – Business Interruption cover now included
  • Local Claims handling by Breeze Accommodation (simply lodge your claims via distribution@breezeuw.com.au or call 1300 556 826)
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Breeze UnderwritingIntroducing Breeze Accommodation

New Online Portal for Restaurants & Café Quotes

by Breeze Underwriting on December 8, 2016 No comments

In order to provide a simpler and easier solution for you we have significantly updated our online quote system for Restaurants & Cafés. The new system has been designed to make it easier to use and generate quotes. More importantly, it allows us to respond more quickly, with 3 hour quote turn around times so you aren’t left waiting.

We have also been busily redesigning our website in order to deliver first-class with streamlined online services to you.
As part of the new website, we are developing a range of useful articles for you in our new blog section.

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Breeze UnderwritingNew Online Portal for Restaurants & Café Quotes

We appreciate your support on our other schemes, why not try us on PI?

by Breeze Underwriting on December 8, 2016 No comments

Examples of PI wins with Breeze Underwriting:

  • Financial Planning Licensee with AR practice
  • Stockbroking – Futures Trading
  • Grain Traders
  • Accountants
  • Recruitment Agents
  • Misc Consultants – Advertising, IT, Engineering, Environmental.

Our New PI Offering

Design and Construct Professionals

With an injection of investment from the Australian government into Civil Engineering projects in Australia, we have seen an emergence of Design & Construct and Engineering risks and Breeze UW in partnership with our London Office have an ability to ability to syndicate placements and provide large limits of indemnity.

We can provide you with the following:

  • Lines up to $100,000,000
  • Bespoke Wordings to accommodate client’s requests
  • Quick turnaround times
  • Access to over 20 markets writing Australian D&C / Engineers
  • Single project placements from 20 months to 15 years.

Contact us NOW for a quote or for more information about how Breeze Underwriting can assist your clients.

Send your quote in now to distribution@breezeuw.com.au

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Breeze UnderwritingWe appreciate your support on our other schemes, why not try us on PI?

Up to 35% Discount on all Modern Australian & Fine Dining, Seafood & Steakhouse Risks

by Breeze Underwriting on December 8, 2016 No comments

For your restaurant clients that:

  • Don’t offer a takeaway service,
  • Have been operating for a minimum of 3 years,
  • Have a licensed premises with table waiting service.

Breeze Underwriting have a long standing reputation as restaurant specialists. Our leading insurance product is now being specifically targeted at the following restaurant cuisines:

  • Fine dining restaurants
  • Modern Australian restaurants
  • Seafood restaurants and
  • Steakhouses.

Contact us NOW for an immediate quote.

The key benefits of our restaurant insurance are:

  • Established hospitality Insurer partner in Vero
  • Risk appetite includes property owners
  • Vero/Steadfast business package wording
  • Facility in place for eight years
  • Underwriters with specific knowledge on restaurants
  • First class claims service
  • Same day quotation
  • 15% commission.

Send your quote in now to distribution@breezeuw.com.au

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Breeze UnderwritingUp to 35% Discount on all Modern Australian & Fine Dining, Seafood & Steakhouse Risks

More Restaurant Cuisines with More Discounts

by Breeze Underwriting on December 8, 2016 No comments

In addition to our successful fine dining launch for we can now offer 35% discounts to ALL European (Including Italian) Restaurants. Our innovative Fine Dining strategy has meant that we are able to offer an impressive 35% off our already cost effective insurance. Having identified Restaurants with superior housekeeping and lower risk exposure, we can offer discounted rates to licensed Restaurants and Cafes in the following categories:

We are ‘hungry’ for these sit-down restaurant cuisine quotes –

  • Modern Australian
  • Seafood
  • Steakhouse
  • European
  • Mediterranean

We have received great feedback from our recent launch of our online quote system for Restaurants and Cafes. Providing a simple and quick solution for our brokers, the new system makes it easier for you to use and generate quotes. Moreover we are delighted to announce the significant improvement in response time, with our ability to return quotes in as little as 1 hour (provided it is not a referral) via our slick online system – visit www.breezeuw.com.au for a quote.

In order to be eligible for up to 35% discount, your Restaurant must fit the following key characteristics:

  • Has not sustained more than 3 losses or had losses totaling more than $10K in the past 3 years;
  • Provides a table waiting service;
  • Operates within a modern &/or refurbished kitchen (less than five years old);
  • Operates a sophisticated website: The website must be more than a menu and opening hours, but include additional pages and imagery.

Our specialist team of insurance underwriters is on hand to help you protect your business and assets with a comprehensive insurance policy. We will not only ensure that your client’s business is appropriately protected, but by applying our discount to these low-risk categories, we can offer them this at cost-effective premiums.

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Breeze UnderwritingMore Restaurant Cuisines with More Discounts

Introducing our new and exclusive Hard to Place Liability Insurance facility

by Breeze Underwriting on December 8, 2016 No comments

Breeze Underwriting is pleased to provide our broker network with a leading market for complex and hard to place Liability Insurance covers.

We are able to access one of the broadest underwriting capabilities for industries and occupations that are generally considered hard to place or to complicated to offer terms:

  • Will cater for local proposal forms and individual broker placement slips
  • Exclusive Lloyds of London security
  • $20m Limit of Indemnity
  • 24 month period or policy if required
  • No limit on the amount of defence costs covered
  • Claims advocacy and expertise.

Our hard-to-place insurance covers a range of liability risks for your clients, including:

  • Concrete Building Products and Installation
  • Crane Operation
  • Demolition and/or Underpinning
  • Engineering
  • Excavation and/or Earthmoving
  • Fall Protection / Height Safety Installation &/or Manufacturers of such products
  • Food and Beverage Manufacturers
  • Labour Hire
  • Landfill
  • Mineral/Resource/Energy/Water/Carbon Trading Industry
  • Mobile Plant, Equipment & Machinery
  • Piling
  • Plant Hire
  • Project Managers &/or Site Supervision
  • Property Maintenance industry including, fire protection, lifts and escalators, heating, ventilation and air conditioning (HVAC) sector including air filtration and cleaning
  • Quarrying Open Cut
  • Rail Industry
  • Recycling & Salvage
  • Road Traffic Controllers
  • Scaffolding
  • Steel Fabrication/Welding/Hotworks
  • Stockfeed Manufacturers &/or Cartage / Storage
  • Waterproofing and/or Caulking Products and Installation.

For more information or to download the Hard To Place Liability Insurance forms and documentation, visit www.breezeuw.com.au

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Breeze UnderwritingIntroducing our new and exclusive Hard to Place Liability Insurance facility

Why a Risk Survey is Undertaken at Accommodation & Restaurant Premises

by Breeze Underwriting on June 12, 2015 No comments

Australia’s hospitality industry is one of the most significant drivers of the nation’s economy. Yet operating within the sector leaves business owners exposed to a number of risks.

In order to thrive in the hospitality industry, businesses need to take a risk-based approach to management. Effectively managing and minimising risks involves proactively undertaking on-site risk reduction initiatives, and backing them up with an appropriate insurance policy. Breeze Underwriting specialises in providing insurance solutions to cover hospitality risks.

We know how to best protect Australia’s Accommodation & Restaurant businesses, so our policies have certain requirements that policyholders must fulfil. In order to purchase an Accommodation or Restaurant package from Breeze Underwriting, a Risk Survey of your premises may be necessary.

When is a Risk Survey Required?

For Restaurant risks where sums insured are over $2 million a survey may be required before a quote can be confirmed. For other risks Your underwriter will confirm whether a survey is required at the time of quoting. If the survey is not completed before the policy is issued, it will be completed within the first policy period and then every 3-4 years thereafter.

Why are Risk Surveys Conducted?

Risk Surveys are conducted to benefit the policyholder by reducing their business risk. A risk engineer will look at specific risk data to identify problem areas in the premises where risk may be reduced.

The Risk Survey also provides an opportunity for the policyholder to speak with a qualified risk engineer about their business and to identify ways, specific to them, that can help reduce the number of incidents that occur.

Who Will Attend a Risk Survey?

The insurer will appoint a Risk Engineer/Surveyor as a representative to conduct the study. The policyholder (or their representative) should also be present so that they can discuss what the Surveyor is looking at and ask relevant questions as to how their findings may affect their business. The Insurance Broker of the policyholder are also welcome to attend and can be useful in asking more technical questions and gaining a more in-depth insight into the risk profile of the premises.

What Happens at the Risk Survey?

The Risk Survey will be conducted on the premises of the policyholder. Upon arrival, the Surveyor will introduce themselves and explain the process of the survey, highlighting the key risk areas that they will check and what this means for the policyholder.

The Surveyor will visit the specified areas of the premises, explaining what they are looking at in each area, and any recommendations that they have. The policyholder is encouraged to ask any questions, particularly if they are unsure as to what the recommendations mean for their business.

What Happens After the Risk Survey?

After your Risk Survey has been carried out, the surveyor will complete a report and detail any recommendations that they have based on what was discussed during the survey. These recommendations will then be passed on to the policyholder’s insurance broker, who will follow up with their client about what needs to be done and the time frames in which they need to be completed. Depending on the recommendations, the policyholder will have 60-90 days to have the recommendations completed

What Types of Recommendations am I Likely to Receive?

The most common risk recommendations and follow up actions to be undertaken are related to either legislative requirements or good general housekeeping, and are not expensive for the policyholder to implement. The most common recommendations include:

  • To have the electrical wiring inspected/scanned as hot spots in wiring can cause fires. Identifying these and why they are occurring is a good hazard reduction practice.
  • To ensure the Commercial Cooking Endorsement is being complied with, including the regular cleaning of the ducts and fuels in the kitchen and the regular servicing of fire appliances such as extinguishers and fire blankets.
  • That exit lighting and exit plans are in place to assist in the event of an evacuation.
  • That guttering is clean and free of debris.
  • That trip and fall hazards such as pot holes in car parks and lighting and balustrades in stairwells are well maintained.

A Risk Survey is of great benefit to your business as it can significantly reduce the risks that you are exposed to. If you have more questions about Risk Survey Requirements, don’t hesitate to get in touch with the team at Breeze Underwriting.


Conditions apply for each policy and the information expected from you for a policy to trigger. Coverage may differ based on specific clauses in individual policies. Please ask your broker to explain the additional benefits and exclusions pertaining to your policy.

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Breeze UnderwritingWhy a Risk Survey is Undertaken at Accommodation & Restaurant Premises

Reducing the Risk of Theft by Hirer

by Breeze Underwriting on May 18, 2015 No comments

Australia’s Hire & Rental industry is a good one to be in. Hire & Rental businesses make profit by lending out equipment to individuals and businesses, who benefit from the use of the equipment without assuming the burden of owning it. When it all runs smoothly it’s a win-win situation. However, unfortunately for rental companies it’s not always that simple.

In the Hire & Rental industry, risk goes hand in hand with the nature of the business. Companies operating within the industry are typically considered ‘high risk’ as they allow people to borrow potentially dangerous equipment that they are unfamiliar with. Not only is the probability of hurting themselves or others higher than average, but your equipment is also more likely to be damaged when used under someone else’s supervision. Furthermore, hired equipment can also become ‘target merchandise’ for thieves.

The key to running a successful rental operation is to reduce risks and where possible, eliminate them altogether. While we would recommend that you always have a comprehensive insurance policy in place to protect your business, there are a few steps that you should take to further protect your business from theft by hirer.

Request Multiple Forms of Identification

At the time of rental, request at least two forms of identification from the hirer. Some examples of acceptable identification are as follows:

  • Driver’s Licence
  • Birth Certificate (extract, original or certified copy)
  • Citizenship Certificate (original or certified copy)
  • Passport / Foreign Travel Document
  • Membership Card of a professional or trade association
  • Student Identification card (issued by a tertiary institution)
  • Medicare Card
  • Marriage Certificate

Thoroughly Check The Identification

Ensure you ask for one piece of photographic ID (Driving Licence, Passport etc) and check that the image on the ID matches that of the hirer at the time of rental. Check that the identification is valid and up to date, and take a copy to store on your files.

In addition, you should take a mobile phone number from the hirer and call it while the hirer is with you, to ensure it is correct. Finally, be sure to take a photo of the hirer that you can store on file with the hire agreement.

Do Not Rely on Vehicle Registration

Many Hire & Rental companies fall into the trap of taking the hirer’s vehicle registration as a form of security. By all means, take note of the registration as a back up measure, but do not rely on this as a means of identification as the link between hirer and vehicle registration can be tenuous at best. The hirer could be using someone else’s vehicle or loaning the vehicle from another company.

Talk to other Hire & Rental Companies in the Area

Although thieves will typically have a fraudulent history and criminal record, the police are bound by the privacy act and unable to provide this information to you at the time of rental.

The best way to screen fraudulent hirers is to liaise with other Hire & Rental businesses in the area. Let them know if you’ve been ripped off and who by, and request that they do the same in return.

Install A CCTV Camera

CCTV cameras are proven to deter criminals. You only need one, which you should strategically place in plain sight so that the hirer can clearly see it. Ensure it is positioned so that it can get a good shot of the hirer’s face. Just seeing the camera may be enough to discourage the hirer from a planned theft.

Effectively managing risk is key for the ongoing success of any business, particularly those in the Hire & Rental industry.  Actively taking steps to reduce risk faced can be backed up with a comprehensive insurance policy for optimum protection.

Speak to the underwriters at Breeze for a confidential discussion on your business’ risk management strategies.


Conditions apply for each policy and the information expected from you for a policy to trigger. Coverage may differ based on specific clauses in individual policies. Please ask your broker to explain the additional benefits and exclusions pertaining to your policy.

The information provided is general advice only and does not take account of your personal circumstances or needs. Please refer to our financial services guide which contains details of our services and how we are remunerated.

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Breeze UnderwritingReducing the Risk of Theft by Hirer

Accommodation Insurance Policy for Landlords & Tenants

by Breeze Underwriting on April 23, 2015 No comments

Many hotel, motel, B&B and apartment owners in Australia’s Accommodation sector enjoy the benefits of renting a Commercial Property. As opposed to owning, renting can significantly reduce the business’s risk in terms of capital and up front costs while offering the opportunity for greater business flexibility.

In some cases, as part of the tenant-landlord lease agreement, the tenant must take out liability insurance on behalf of the landlord. However it is not possible for both to be listed on one insurance policy and a separate policy must be taken out under the name of the landlord.

As a result, insurance brokers are often asked:

Why can’t a landlord be listed as an insured on my policy?

The simple answer is that the occupier (the accommodation business) and the owner (the landlord) operate as separate legal entities.

First and foremost, the landlord cannot be listed on the tenant’s policy as the insurance requirements of each entity are different. While the tenant requires an operator’s policy, the landlord needs property owner’s liability. Furthermore, as mentioned above, the tenant and landlord operate as separate legal entities. Under Australian law, this means that each business has their own legal liabilities, and neither entity can insure for the other’s legal liabilities.

Policy Limits

Your Policy Limit refers to the maximum amount (in $) that an insurance policy will provide over a given period of time or over the life of your policy.

One policy has one policy limit regardless of the number of insured parties. This could cause a potential issue for a tenant / landlord agreement as the amount of cover available to one entity may be diminished with two names on the policy. Under no circumstance will an insurance policy recognise separate limits for each insured entity.

Claims

Having two parties insured under one policy can cause innumerable problems in the event of a claim. Not only are lines blurred as to how much remuneration each party would receive from a claim payment, but if subrogation occurs, the procedure can be extremely complicated.

Subrogation is the right for an insurer to pursue a third party that caused an insurance loss to the insured. For example, if the tenant wanted to make a claim against a landlord on the same policy, it becomes very difficult.

Exceptions

In some very specific instances, a landlord can be listed on a tenant’s policy if a business relationship exists between the entities.

Contact the underwriters at Breeze for more in-depth advice or information.

Conditions apply for each policy and the information expected from you for a policy to trigger. Coverage may differ based on specific clauses in individual policies. Please ask your broker to explain the additional benefits and exclusions pertaining to your policy.

The information provided is general advice only and does not take account of your personal circumstances or needs. Please refer to our financial services guide which contains details of our services and how we are remunerated.

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Breeze UnderwritingAccommodation Insurance Policy for Landlords & Tenants

The Difference Between Machinery Breakdown and Electronic Equipment

by Breeze Underwriting on April 8, 2015 No comments

Operating within the hospitality industry is all about service. Whether you run a busy city restaurant or a boutique B&B in the country, your aim is the same: to make your customer’s visit as enjoyable as possible. In order to do this, you rely on the functionality of numerous pieces of equipment, from heating to refrigeration and cooking amenities, as well as administrative devices such as computers and cash registers.

A typical hospitality business in the restaurant or accommodation sector uses a range of critical machinery and electronic equipment on a daily basis. Depending on your business and use of each, it’s important to source the appropriate cover to protect your assets.

Breeze Underwriting offers cover for both Machinery Breakdown and Electronic Equipment. In order to fully protect yourself, it’s imperative to distinguish the differences between these policies in order to choose the cover most appropriate for your business. Businesses can operate with one or the other policy, or use both together to ensure optimum coverage.

The following descriptions may help give you a better understanding of the policies:

Definitions

Although similar, Machinery Breakdown and Electronic Equipment policies have specific differences that set them apart. The main difference is what they cover the terms ‘Machinery’ and ‘Electronic Equipment’ refer to two different types of apparatus.

Machinery: Covers larger electrical and mechanical items such as ovens, deep fryers, air conditioners and cleaning equipment as well as their integral parts.

Electronic Equipment: Refers to electrical appliances including televisions, computers, and Point of Sale systems. The policy also extends to cover software and electronic data, and any monetary costs arising from a loss of this data.

Electronic Equipment and Machinery Breakdown cover do go hand in hand, but remember that what’s included in each policy is inherently different. If you do decide to operate with one policy and not the other, it’s important to fully understand exactly what’s covered and what’s not.

Take a simple cash register system for example. If your register breaks down, you would need a machinery breakdown policy to cover the cost of repair or replacement for the item. However, if your cash register is linked to your POS system, this breakdown can also cause a loss of data. To reinstate your accounting records, you will only be covered if you also have Electronic Equipment cover.

In addition, it’s important to keep in mind that both policies cover breakdown and accidental damage of your assets, but not damage as a result of fire or environmental factors, or loss of equipment through theft. Furthermore, any software viruses or disruptive programming that cause a fault with your system or a loss of data are not covered within a Machinery Breakdown or Electronic Equipment policy. These risks can be covered under other policies such as Property and Cyber Insurance Packages.

We know that it can be difficult to understand the specifics of a policy. Our specialist underwriters are happy to discuss with you the specific risks and insurance needs of your business, in order to source the most appropriate cover


Conditions apply for each policy and the information expected from you for a policy to trigger. Coverage may differ based on specific clauses in individual policies. Please ask your broker to explain the additional benefits and exclusions pertaining to your policy.

The information provided is general advice only and does not take account of your personal circumstances or needs. Please refer to our financial services guide which contains details of our services and how we are remunerated.

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Breeze UnderwritingThe Difference Between Machinery Breakdown and Electronic Equipment