When you’ve dedicated time and effort to building up a business, you want to know that it will continue operating smoothly. At Carollo Horton, we understand that every business is unique – which is why we tailor our insurance solutions to secure the future of your business.

 

We work with you and your team to identify the specific risks your business faces, building an insurance package that integrates different types of cover. That way, you can be confident you have the protection you need – and aren’t paying for anything you don’t.

 

And because we have experience and expertise across a wide range of industries, we can ensure that you’re meeting your insurance requirements – taking the stress out of managing your insurance portfolio.

 

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Property insurance

Without a building, it can be difficult to run a business – so if your property is damaged in any way, it can cause a financial setback, as well as an emotional one. We can help protect your tangible and intangible property by ensuring the building is correctly valued and you have the right level of cover in place.

 

And if an event occurs, you’ll have a dedicated expert on your side throughout the process – from assessing the claim to negotiating with other parties and helping you manage the costs of repairs or restoration.

 

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Management liability

In the event of mismanagement, not only might be your business be liable but the management personnel as well. With liability insurance, we can protect you from potential losses arising from legal actions by a third party – covering the damages, penalties and costs associated with investigation and legal defence.

 

In an increasingly regulated management environment, we can tailor a solution for:

 

  • Claims of criminal behaviour or impropriety
  • Employment practices liability, including wrongful termination
  • Directors’ and officers’ liability
  • OH&S, environmental and legal oversights
  • Tax audits, including accounting and legal costs.

 

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Public and product liability

If you’re dealing with customers or selling products on a daily basis, then there is always the possibility that an accident could occur – which is why public liability and product liability insurance cover is so important.

 

By assessing the risks to your business, we can protect it against legal costs and damages if your customers and other visitors to your workplace suffer an injury or property damage on-site or as a result of using your products.

 

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Professional indemnity

When you provide advice to customers that is inaccurate, a small mistake can quickly turn into a major financial and reputational challenge. We provide tailored professional indemnity insurance solutions that can reduce your professional practice risks by covering the costs and damages of a legal claim.

 

We’ll also support you in handling the claim and negotiating with the other parties – so you can be confident you have an expert on your side. Here’s a snapshot of the types of businesses we assist:

 

  • Pharmacists
  • Dentists and orthodontists
  • Veterinarians
  • Travel agents
  • Recruitment professionals
  • Optometrists
  • Podiatrists
  • Medical centres & surgeries
  • OH&S Professionals
  • Human resources
  • Physiotherapists
  • Nutritionists
  • Chiropractors
  • Management consultants
  • Financial advisers

 

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Directors and officer liability

As the director of a business, you’re constantly making decisions that impact on shareholders, employees, and third parties. But this also means that if something goes wrong as a result of a decision you’ve made, you could be personally liable for legal expenses and claims payouts.

 

With tailored directors’ and officers’ liability cover, we can help you mitigate these risks – and support you through negotiation and settlements to prevent reputational damage and bankruptcy.

 

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Fair work compliance

Because every business runs the risk of workplace relations issues, we have a Workplace Protection program to keep your business compliant. For a single annual fee, our experts help protect your workplace all year around, providing:

 

  • Review of workplace documentation
  • Complete document library uniquely tailored to your needs
  • Unlimited access to a dedicated advice line
  • Legal representation in disputes
  • $2 million insurance cover with $0 excess.

 

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Corporate travel insurance

When you run a business, you know that your most valuable asset is your people. And in order to attract and retain talented staff, it helps to offer exclusive benefits that make you an employer of choice. Our TravelCard enables organisations to provide their employees with corporate travel insurance benefits for their personal and holiday travel – at no extra cost to your organisation.

 

Our revolutionary RealTime Travel Insurance issues employees with a TravelCard – claims are paid and loaded onto their card in a matter of minutes, saving them out-of-pocket expenses and time-consuming paperwork. And with no excess to pay, they can also use their card in times of emergency.

 

Our innovative travel insurance solutions covers employees for:

 

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Cyber insurance

Cyber attacks and data breaches are a growing threat to Australian businesses – but cyber security generally isn’t covered by other types of business insurance. Our Cyber Essentials package is specifically designed to protect your business against losses from a wide range of cyber events, including:

 

  • System damage
  • Privacy fines and investigations
  • Computer virus and hacking
  • Privacy breach
  • Extortion cover
  • Privacy breach loss mitigation

 

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