As an employers do you provide a “safe workplace”?
Are you aware of your responsibilities?
We utilize the professional services of skilled and qualified experts
to advise you.
“The systematic application of management policies, procedures and practices to the task of identifying, analyzing, assessing, treating and monitoring risk” ( Australian Risk Management Standard AS/NZS 4360:2004)
Through our internal and external trained risk management professionals we can structure an appropriate program to minimize or eliminate this risk.
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Risk management is a complicated game. One wrong move and it could cost you your business.
Our experienced Consultants can assist you to keep your risk management practices in check and avoide possible dangers.
Professional Indemnity
In recent years the Courts have extended the definition of “Professional” which now mean that occupants including some trades may now be considered “professional” and thus require Professional Indemnity insurance.
If you utilize a particular trade skill you may need Professional Indemnity.
We can analyse your business activities and advise you appropriately.
Workers Compensation
Are you aware of your legal obligation as an employer under WorkCover and Occupation Health and Safety (OH&S) legislation?
Is your Workers Compensation industry classification the most appropriate?
Do you know what to do should an employ suffer a workplace injury?
Your claims history may be adversely impaction your premium more than it should.
Our qualified risk management consultants will analyze your claims history, industry classification and workplace environment in order to reduce your costs and possibly even achieve a refund for you.
We can also implement a claims management system for you.
Motor Vehicle Fleet
Operator fatigue is an increasing killer on our roads and in the workplace.
We can implement a fatigue management plant for your operators and drivers of heavy motor vehicles and machinery.
DiB Insurance Brokers can also initiate training to meet mandatory requirements and instigate further training to maximize cost efficiency of your fleet operations.
Public Liability
Your business activity practices must not only provide a safe work environment, but also have a duty of care to members of the public both on-site and off-site.
Do your products meet Australian Standards?
Owner builder
Covers are available for the Owner Builder who holds the licence to build or extend and who may sub-contract out certain activities of the project e.g. plumbing, tiling.
The available covers include:
Residential Warranty
Contract works
Mobile Plant
Your mobile plant is your income, but do you ensure that your operators are suitably qualified to operate same.
Are their work practices industry and legislatively compliant?
Are plant items adequately protected to minimize the risk of operator injury or injury to members of the public.
Are operator fatigue management practices in place?
Our consultants may be your protection.
Performance Bond
A financial guarantee lodged usually by the Contractor to guarantee the completion of the project within a specified period. Should that result not be reached the Contractor may be responsible to pay a penalty to the principal or financier.
Lodging a Performance Bond alleviates the need for large sum of money to be utilized.