Fergusons Insurance Brokers

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39B Davey St Frankston, Victoria
Phone: (613) 9783-3200

Complete Irrigation Solutions has been associated with Fergusons Insurance Brokers for over 10 years

In this time we have found them to be a very efficient and professional organization in serving our insurance requirements.

Their prompt service and response to claims and general insurance matters is the main reason we use Ferguson’s.

I cannot praise them highly enough and would gladly recommend Alan Sauders and the team at Ferguson’s to any future client.

- John McCracken
  Complete Irrigation Solutions 

   Emergency After Hours

   0409 411 235

Blog

 

Public & Products Liability

All businesses no matter how large or small should have Public and Products Liability cover. Regardless of the type of work being performed there will always be a liability exposure involved...

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What is cyber crime?

Cyber crime encompasses almost any criminal activity that can be perpetrated via the internet and computers...

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Market Value Vs Agreed Value

Comprehensive motor insurance generally offers two types of sums insured, market value and agreed value. These are the criteria that are used when assessing the value of the vehicle that has been written off, either by accident or theft, or is deemed uneconomical to repair.

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Motor Vehicle

All comprehensive car insurance policies are the same, right? Wrong! Whilst most policies comprise of 2 sections – Own Damage and Third Party Liability – the covers themselves can vary greatly.

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Common Area Liability

Residential and Commercial Strata Polices differ from household and commercial package insurance policies as they offer common area liability.

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Householders Contents Sub Limits

The majority of Householders Contents insurance policies have sub limits on a number of items. Insurers will probably have sub limits on jewellery, collections, work related equipment, motor vehicle accessories, cash and even artwork.

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Public and Products Liability Insurance Run Off Cover

You may need to keep your Public and Products Liability Insurance current even though you are no longer trading.

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Public and Products Run Off Cover

You may need to keep your Public and Products Liability Insurance current even though you are no longer trading.

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Liability Cover and Sub Contractors

Most business owners engage contractors and sub-contractors from time to time. There are a number of insurance issues to watch out for when sub contacting work out.

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Personal Liability

The value of the personal liability section of your home and contents insurance policy is often

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Management Liability - An essential safeguard

A Manager who used his work issued laptop computer and phone to download pornography will be compensated $10,000 after winning an unfair dismissal case at the Fair Work Commission. This decision by Fair Work Commission reminds all employers of the need for robust and adequate work place agreements, procedures and policies. It also reinforces need for all employers to effect Management Liability Insurance to cover events such as these.

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Business Interruption Insurance

Insured Item - Additional Increased Cost Of Working This cover is a first loss cover item and as such is not subject to the normal policy average (co-insurance) clauses.

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Motor Insurance - Private or Business

People who use their Sedan, SUV, Station Wagon or Utility for work/business purposes are often confused whether they require private or the more expensive business use on their motor insurance.

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Employment Practices Liability

Employing human resources imposes a host of legal and compliance obligations on employers. That’s where Employment Practices Liability insurance can help protect the business and its management staff.

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Co-Insurance / Under-Insurance

Underinsurance is when the value you have insured your property for is not enough to cover the full value of the items you are insuring.

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Choosing a Business Interruption Insurance Indemnity Period

Business Interruption Insurance protects your business income in the event that a major loss such as fire, flood, storm or the like and for maximum protection it is very important that the correct indemnity period is selected.

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Flood - as defined by insurance:

Flood - as defined by insurance: The insurance definition of flood often confuses people.

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Owners Corporation

Special features of Owners Corporation Insurance policies. Besides covering the building and liability insurance needs of Owners Corporations, these policies have several additional features. Some are automatically included by insurers and others are available on request.

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Claim Scenario - Burst Water Pipe

Burst water pipe and resulting damage claims are one of the most common property claims to family homes and commercial buildings within Australia. Though the water pipe itself is not covered within most insurance policies, the exploratory costs and resulting water damage losses usually are covered.

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Consequences for non-disclosure of all information

Insurance cover is based and rated on the customer disclosing all of the required and correct information regarding a certain risk, which then enables the insurance company to accurately rate, accept or decline a risk.

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Property Security Measures

One of the considerations that affects the rating and acceptability of your commercial property and householders insurance is the physical security installed in your premises.

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Dashcams

Whether you drive a personal car, or run a large transportation business, when you’re on the road you are at risk of being involved in a motor vehicle accident. What would you do in the event of an incident to which there were no independent witnesses, and the third party driver tells their insurer a completely different version of the event?

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