Specialist Insurance

Specialist Insurance

Every individual and organisation has different needs, which is why Ferme do no limit their insurance advice to specific areas or industries. If you have a specialist insurance request, Ferme will work with you to ensure that you receive complete coverage, for the best value for money.

Ferme can advise and support you in a range of specialist areas, including:

Worker’s Compensation

Accidents do happen. It is important that you and your organisation are covered for any accidents which cause illness, injury or death. Worker’s compensation can be put in place to protect your business if employees are harmed during any procedure and can be put in place for workers with high-risk occupations, who want to protect their family and assets in the event of an accident.

Professional Risk Insurance

Professional risk insurance may be applied to any individual or business at risk of liability from external or internal parties. Professional indemnity insurance is a common specialty insurance requested by professionals who provide certain services or advice.

Professionals at risk of public or professional liability include actors, advertisers, real-estate agents, architects, builders and accountants, among others.

If you or your organisation provides clients with information or advice in any form, it is encouraged that professional indemnity insurance be placed. Ferme Insurance can assist you with creating a solution which protects your specific area of expertise.

Marine Transit Insurance

Marine transit insurance should be applied to any vehicle or vessel that operates within Australian or international waters. Insurance should be applied to all motorboats, carriers and cargo & fishing vessels. Marine liability insurance should also be placed to protect organisations involved with imports & exports, marine vessel repairs and docking.

Construction Insurance

Construction insurance is important for all contactors, to prevent large financial debts, in the event of accidents or incidents that can occur on-site. Employers and property owners may find themselves liable to problems with machine, equipment & vehicle loss or damage, contractors, designs and warranty.

Plant & Equipment Insurance

Plant insurance is a common request from clients involved with drilling rigs and construction sites. Plant insurance will ensure that your organisation is covered in the event of an accident, illness, public liability, malpractice and loss & damage of plant equipment, vehicles & machinery. Similarly, tradesmen of all industries may require specialist insurance for their equipment, including compensation for loss and damage.

Professional Indemnity Insurance

Ferme Insurance can protect individuals, organisations, associations and not-for-profit organisations with any professional indemnity claims against their advice or information, by clients or members of the general public.

Ferme Insurance can assist professionals or organisations to manage and process claims, and indemnity insurance can be applied to support the client until the claim has been resolved. In recent times, professional indemnity insurance is most commonly applied in the following areas:

1. IT

IT professionals are currently in high-demand, so it is important that they are protected by the correct insurance. Ferme offer indemnity insurance against the advice and information IT professionals provide and liability insurance for the operation of their business. We can also supply a Certificate of Insurance, which most IT professionals will require in order to conduct business.

2. Associations and Not-For-Profit (NFP) Organisations

The correct insurance is required to protect the assets of any association or organisation and members or officers against litigation. Ferme can provide protection for directors and office holders and assist with additional insurance such as employee and management liability.

3. Directors and Officers Insurance

Company directors and officers are encouraged to protect themselves against professional indemnity and liability. Ferme Insurance can arrange the correct insurance to protect the people and assets of any organisation.

We encourage all professionals and organisations to consider applying both indemnity and liability insurance. In business today, to be underprepared against legal claims, is to attract negative attention and harm to productivity.

Ferme Insurance will work closely with you, to identify any area of your business that is exposed to liability or professional indemnity and ensure that you are completely protected.