Breeze Underwriting

The Importance of Commercial Cooking Condition

by Breeze Underwriting on March 20, 2015 No comments

The biggest fire hazard in any restaurant is its kitchen. From fine dining to steak houses and seafood restaurants, the risks remain the same. Intense cooking heat, flammable oils, high temperature cooking oils and slow-cooling appliances pose are the cause of innumerable restaurant fires throughout Australia.

Once ignited, a fire can quickly spread through the kitchen and into the restaurant, causing huge amounts of damage and injury in its wake. Costs incurred as a result can be monumental, with many small businesses unable to survive.

If your business operates with a commercial kitchen, Breeze Restaurant Cover can protect your business and assets. Our Commercial Cooking Condition can reduce the risk of fire affecting you.

Commercial Cooking Condition

The Commercial Cooking Condition is applied to all Breeze policies where there is a commercial kitchen at the premises. It is a risk management strategy that lists the minimum precautionary methods to protect people and property from the devastating consequences of a fire. These precautionary methods include:

Cleaning and Maintenance

Effective cleaning and maintenance of your kitchen equipment can greatly reduce your business risk:

  • Failure of thermostats and other temperature controls is a major cause of commercial kitchen fires. Deep fry cooking equipment, dishwashing equipment, and air conditioning systems should be inspected at least annually.
  • Oils must be replaced and filtered regularly, as old and contaminated oil can ignite at lower temperatures.

Fire Protection Equipment

Business owners have legal responsibilities with regard to fire safety equipment. Protect your business by ensuring you are up to date with the latest standards:

  • A suitable technician must service fire protection equipment at least twice a year.
  • Portable and fixed fire extinguishers should be well placed thorough the kitchen area. The size and purpose of your kitchen will determine which fire extinguishers are necessary.
  • An approved fire blanket must be accessible to staff at all times. It should be positioned close to the cooking area.

Automatic Fire Suppression Systems

With an ability to control and extinguish fires without human intervention, an automatic fire suppression system can better protect your business. Depending on the usage and purpose of your kitchen, you should consider a fire sprinkler system, gaseous fire suppression or condensed aerosol fire suppression system.

Protecting your business is important to us. Experts in the Restaurant industry, we understand the specific risks the sector is exposed to and can advise our clients on how to best protect themselves, their customers and their business. Speak to our experienced underwriters for more 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 UnderwritingThe Importance of Commercial Cooking Condition

Product Liability Insurance: Is Your Restaurant Covered?

by Breeze Underwriting on March 4, 2015 No comments

Last week, Soul Origin Café in the Sydney CBD hit the headlines after four customers contracted scombroid food poisoning from tuna served on the premises. This particular form of food poisoning is potentially life threatening, and although the café is not believed to be responsible for the contamination, they can be held accountable for the consequences.

Under Australian law, any goods sold by a company must be free from safety defects. All restaurant owners have a responsibility to third parties including customers, employees, suppliers and the community, which in this case Soul Origin Café did not fulfil. As a result, the Café may be facing a financially difficult time ahead. With an amount of bad press, customers lose confidence in their food and are likely to avoid the café for the foreseeable future. However this could be the least of the Café’s worries, as the restaurant may be subject to legal action taken by those it infected.

This case demonstrates the importance of having comprehensive restaurant insurance cover that includes Product Liability.   Product Liability insurance protects against claims of personal injury or property damage caused by products sold or supplied through your client’s business. Designed for professionals who supply products to customers or members of the public, it will cover legal costs and compensation that arise as a result of your client’s defective product.

It’s important that your client is aware of Product Liability and that their insurance policy fully protects them in the event that a food or beverage they supply does cause harm. Understanding the unique risks of businesses operating within the Restaurant sector, our expert underwriters are best placed to advise you on covering your client’s business to ensure maximum protection.


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 UnderwritingProduct Liability Insurance: Is Your Restaurant Covered?

First class claims service

by Breeze Underwriting on January 5, 2015 No comments

Recently, a client rang here to advise a tree fell over on the weekend and damaged a pool fence on a Motel  property insured with Breeze Underwriting.

Here’s what their broker had to say:

“Your claims team member registered the claim and asked the appropriate info. She then said she would arrange a builder to contact the client asap which was great but when I mentioned the issue of a pool not being protected correctly from possible wandering children, she altered that decision and has arranged for an assessor to call the client within 2 hours.

She also advised that she would call the assessor to ensure it was treated with urgency. We then called the client to advise him what will happen next.

The client  is very happy with the result to date and so am I. This was a great team effort so thank you for helping us look professional.”

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Breeze UnderwritingFirst class claims service

Online quote portal for Restaurants and Accommodation

by Breeze Underwriting on February 13, 2013 Comments Off on Online quote portal for Restaurants and Accommodation

You can now visit the new Breeze Underwriting online quote portal for Restaurants and Accommodation.

We are delighted to provide our retail brokers with a tailored online quote portal which provides speedy 12-24 hour quotes responses and online documentation including a Statement of Fact to share with your client.

If you do not already have a secure password, please email us at distribution@breezeuw.com.au

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Breeze UnderwritingOnline quote portal for Restaurants and Accommodation

ACEIRM Insurance Brokers win the 2012 Lexus

by Breeze Underwriting on February 13, 2013 Comments Off on ACEIRM Insurance Brokers win the 2012 Lexus

We are delighted to announce that Shane Flower, on behalf of ACEIRM have been the lucky winners of the 2012 draw for the  Lexus campaign. The 2012 Lexus giveaway was a fantastic success as part of the rebrand to Breeze Underwriting which has been extremely well received by all of our broking supporters around the country.

Stay tuned for further campaign announcements for 2014.

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Breeze UnderwritingACEIRM Insurance Brokers win the 2012 Lexus

PSC Underwriting to re-brand as Breeze Underwriting

by Breeze Underwriting on October 1, 2012 Comments Off on PSC Underwriting to re-brand as Breeze Underwriting

In exciting news, we are pleased to introduce Breeze Underwriting Australia.

Formerly PSC Underwriting, Breeze Underwriting (Australia) is a further development of the partnership between our new local brand and our long standing underwriting agency Breeze Underwriting (United Kingdom).

‘Breeze Australia’ will now manage the PSC Underwriting suite of products effective from Monday 20th October 2012.

‘By rebranding to Breeze Underwriting, we will be in a unique position to access new products and binders via the London market and make these available to our valued retail broker network Australia-wide”.

“We are committed to introducing new products for our broker network and have just launched two new facilities in Film & TV and Commercial Machinery Warranty in addition to launching our new online quote portal for our hospitality business’’ said Shane Upton, General Manager, Breeze Underwriting (Australia).

Breeze Underwriting is a member of the Underwriting Agency Council.

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Breeze UnderwritingPSC Underwriting to re-brand as Breeze Underwriting

Abico Insurance Brokers win the PSC Underwriting Lexus

by Breeze Underwriting on November 10, 2011 Comments Off on Abico Insurance Brokers win the PSC Underwriting Lexus

Test Drive PSC Underwriting competition winner

Pictured: Paul Dwyer Managing Director PSC Insurance Group, Bob Burcher Managing Director Abico Insurance Brokers, Shane Upton General Manager PSC Underwriting, Jason Clarke Regional Manager Vic/Tas QBE Australia.


PSC Underwriting (PSC) are pleased to announce Bob Burcher Managing Director of Abico Insurance Brokers Pty Ltd in Wollongong (a member of the Steadfast Group) has won the PSC Test Drive competition and driven away with a brand new Lexus CT 200ch.

PSC launched the Test Drive competition in April this year open to all brokers obtaining a quotation via PSC to be eligible to win the $45,000 prize.

“We were overwhelmed with the fantastic response to the competition. This initiative gave us the unique opportunity to promote our brand and reaffirm our underwriting expertise & customer service levels. We experienced a huge spike in new submissions from both new and existing brokers all around the country whom we thank for their wonderful support. Importantly this momentum has continued as brokers have recognised the overall value proposition we have packaged for their clients” said Shane Upton, General Manager of PSC Underwriting.

Bob Burcher, was understandably delighted with winning the Lexus CT 200ch commenting,

“I was shocked when I was told, I couldn’t believe it! We’re lucky that my wife and I live close to work, but it’s going to get a lot of good use. We are extremely grateful to PSC and QBE Insurance for this wonderful prize”

PSC Underwriting is a leading provider of wholesale insurance products to the broader retail broking community and is a recognised leader in the hospitality sector.

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Breeze UnderwritingAbico Insurance Brokers win the PSC Underwriting Lexus