SURA is a group of specialist underwriting agencies with in-depth industry knowledge, trusted and respected staff and management. Our products are developed from the ground up to suit specialist needs, which affords us an intimate and invaluable understanding of industry-specific risk. Our broad policy wordings, specialist in-house, and external claims service make us industry leaders.
The SURA Product Overview is a high-level overview of each of our Agency’s appetite, benefits, and features. It also allows you to quickly identify if our Agencies’ products are right for you.
Contact Details
Our Products
Combined material damage and public liability insurance contract available in 3 forms:
- Annually renewable policy (for builders doing several jobs a year)
- Single project policy (for principals, complex projects, large contract values)
- Owner Builder (for people building their own home with an owner builder permit)
Benefits
- Wide appetite for residential,
commercial and civil works - Material Damage and Third Party
Liability cover - Cover for Tools, Mobile Plant and
Hired In Plant - Option to include Display Homes
- Option to include Vacant Land Liability
Appetites
- Residential and Commercial Building projects up to $80m
- Civil Works projects up to $30m
- Capacity to accommodate larger
construction projects
Declines
Wet Civil Projects Contract works:
- Over, above and around water
- Airside
- Within the railway corridor
- Involved with oil and gas
Contact Details
Our Products
Commercial Equipment Breakdown Insurance (combined boiler, machinery, electronic equipment, perishable property and business interruption)
Benefits
- Breakdown cover for all fixed equipment
- Full BI cover including ICOW
- No restriction on age or size of equipment
- Wear and tear not excluded as a cause of loss
- Includes water damage resulting from breakdown
- Service Interruption cover, whether
equipment is owned by the Insured
or not - No Obsolescence clause
- No Coinsurance clause
Appetites
All types of fixed plant and equipment risks:
- Property owners
- Hospitality
- Light manufacturing
Declines
- Live seafood
- Mining
- Grid power
Contact Details
Our Products
The product offering includes:
- Public & Products Liability
- Management Liability
- Employment Practice Liability
- Professional Indemnity
- Commercial Legal Protection Insurance
(CLPI)
Benefits
Specialist insurance agency dedicated
to serving the recruitment and labour
hire industry with a highly experienced
underwriting team
Appetites
- Recruitment firms (both blue collar and white collar)
- Labour hire (both blue collar and white collar) including but not limited to: mining; construction; factory workers; farms; hospitality; engineering; drivers and welding
Declines
On hiring of any:
- Geotechnicians
- Geotechnical Engineers
- Building Surveyors/Certifiers
- Medical Practitioners and/or Medical Specialists
- Midwifes or Midwife Practitioners
- Security services that include bouncers,
crowd control etc
Contact Details
Our Products
Public and Products Liability
- Limit of Liability up to $20m
Benefits
Our Underwriters have over 60 years
combined experience and have extensive
underwriting authority
Appetites
- Contractors (high hazard facilities)
- Crane operators (incl. tower cranes)
- Diesel mechanics
- Earthmoving (incl. heavy and/or civil works)
- Heavy engineering risks
- Linesmen high voltage
- Manufacturer and/or importer of complex products
- Playground mfg, installation and/or maintenance
- Railway signalling contractors
- Riggers
- Scaffolders (no height restriction)
- Welding contractors
Declines
Including but not limited to:
- Amusement Parks, Sporting Clubs/Risks
- Builders of commercial premises and/or dwellings
- Frequency loss accounts
- Hotels, Nightclubs, Brothels
- Labour Hire Companies
- Nursing Homes/Aged Care, Hospitals
- Project Managers
- Risks involving children
- Security guards incl. bouncers, crowd control
- Slip and fall risks e.g. shopping centres (owners/cleaners) supermarkets etc
Contact Details
Our Products
Life Science Package Policy:
- Public and Products Liability, Clinical Trials Liability, Professional Indemnity, Medical Professional Liability and Cyber (limited First and Third party)
Human Clinical Trials Policy:
- Public & Clinical Trials Liability
Benefits
- Industry specific wording for Life Sciences and sponsors of Human Clinical trials, integrated wordings for a one product, one market solution
- Innovative coverages included as standard across all products, broad contractual liability and automatic waiver of subrogation provided as standard
- 24/7 local, Australian based cyber response service
- Flexible limit options, up to $20m capacity available on either primary or excess basis with minimum premiums of $1,000 plus charges
Appetites
- Life Science Product & Service Providers
- Human Clinical Trial Sponsors
Declines
- Vaccines (Swine Flu)
- Implants (Birth Control, Mesh Products or metal on metal)
- Implants (Cosmetic use and Professional Sports)
- Lasers (Cosmetic)
- Medical Marijuana risks other than for Human Clinical Trials
- Healthcare services/ service providers
- Nicotine or e-cigarette products
Contact Details
Our Products
- ISR/Business interruption (premises, contents and vehicle stock exposure)
- Occupational Liability (EPL, D&O, ML)
- Broadform Liability
- Commercial Motor Composite
- Equipment Breakdown
- Inland Transit
- Tax Audit
- Hail
Benefits
Over 25 years experience dedicated to the dealership industry
Appetites
Motor vehicle dealers, new/used car, truck/machinery, bikes, caravans
Declines
- New ventures
- Exotic, classic and prestige cars or grey imports
- Operates from home with no commercial yard/premises
- Motor trade accounts
- Manufacturers, direct import of vehicles
- Limits over $10 million assets or $1 million hail exposures
Contact Details
Peter Button
National Underwriting Manager – Professional Lines
Mobile 0412 733 704
Our Products
- Accountants and Financial Planners
(dedicated policy wording) - Professional Consultants / Miscellaneous Professional Risks
- Construction Professions
Benefits
Senior Underwriters with over
50 years + combined experience
Appetites
- Agents (Advertising, Immigration,
Real Estate, Shipping, Tax) - Agronomists, Architects, Auctioneers
- Accountants, Bookkeepers and Financial Planners
- Brokers / Agents (General Insurance, Life Insurance, Mortgage / Finance)
- Consultants (Marketing, Public Relations, Quality Assurance, Training, Risk Management, Market Research)
- Debt Collectors
- Design & Construct risks
- Drafting Services
- Engineers and Interior Designers
- Event Organisers incl. Funeral Directors
- Graphic and Interior Designers
- Loss Assessors/Adjusters
- Occupational Health and Safety
- Town Planners
Declines
- Environmental, Pollution
Surveyors / Designers and Auditors - Chemical, Nuclear, Petrochemical, Oil, Gas, Mining Engineers
- Geotechnical Engineers
- Independent Building
Inspectors / Certifiers - Fire Engineers
- Specialist Façade / cladding
Architects / Engineers / construction Professionals - Accountants involved Tax effective
Schemes without an ATO Product Ruling - Corporate advisory for large corporates,
capital raisings, IPO related activities - Property valuations
Contact Details
Our Products
Technology Package Policy:
- Professional Indemnity, Cyber
(First and Third Party) and Public
and Products Liability
Cyber Insurance Policy:
- First and Third Party Cyber
- Primary and excess of loss
capabilities
Benefits
Technology:
- Industry specific wording for Technology industry, integrated wordings for a one product, one market solution
- Innovative coverages included as standard across all products, broad contractual liability and automatic waiver of subrogation provided as standard
Cyber:
- 24/7 local, Australian based cyber response service
- Flexible limit options, up to $5m capacity available on either primary or excess basis with minimum premiums of $1,500 plus charges
Appetites
Technology products and service providers, including:
- Defence Contractors
- Medtech
- Cyber Security Service Providers
- Managed Service Providers
- IT Recruiters
Cyber for technology users including:
- Life Science & Biotech
- Hotels / Restaurants
- Financial Planners
- Accountants
- Media & Entertainment
- Construction & Engineering
- Wholesale & Retail Trades
Declines
Technology:
- Blockchain / Cryptocurrencies
- Data aggregators
- Aviation parts / Auto parts
- Gambling and adult entertainment
- Mobile phone manufacturers
- Stock exchange or online securities trading platforms
- Social networking platforms
Cyber:
- Deposit taking institutions
- Fund managers
- Law offices
- Service stations
Contact Details
Our Products
- Annual Insurance
- Cancellation & abandonment
- Contract bonus
- Equipment and office contents
- Errors and Omissions Policy
- Extra expense
- Film Producers Indemnity (cast insurance)
- Media
- Media Liability
- Media PI
- Money
- Negative Film Risks/Content
- Non Appearance
- Prize Indemnity
- Props, sets and wardrobes
- Public Liability
- Transmission Failure
Benefits
- Entertainment risk specialists
- World wide cover
Appetites
Film, television and entertainment
related risks
Declines
All risks within the film and
entertainment industry
would be considered
Contact Details
Our Products
- Residential Strata
- Commercial Strata
Benefits
- Removal of Debris over and above BSI
- Optional Market Value Cover
- Market Leading Equipment Breakdown cover to the full value of the building (capped at $20m)
- Office Bearers Liability optional benefits such as cover for Statutory Fines and Penalties
Appetites
- Residential Strata up to $50m BSI
- Commercial Strata up to $50m BSI
- Mixed Use Strata up to $50m BSI
Declines
- Industrial Strata
- Brothels
- Pubs/Clubs/Taverns >20% of overall floor space
- Risks >50% unoccupied
- Risks with a high proportion of cooking occupants (restaurants, take-away shops, cafés or other types of food outlets that use commercial cooking)
- Strip clubs/Nightclubs
- Tattooists
Contact Details
Our Products
- Residential & Mixed Use Strata Policy
- Commercial & Industrial Strata Policy
Benefits
- Comprehensive strata policies that meet legislative requirements
- Underwriting team with over 50 years of specialist strata knowledge
Appetites
- Industrial and hard to place residential, mixed use and commercial strata properties.
Declines
- Paper & Cardboard Recycling
- Gun Shops, Dealers, or Manufacturers
- Plastic/Rubber Recycling or Granulators
- Recycling of Clothes
- Scrap Metal Processors
- Vehicle Breakers
- Tobacconists (street frontage)
- Vape Retailing (street frontage)
- Shisha Cafes (street frontage)
- Tattoo Parlours (street frontage)
- Boarding Houses & Backpackers
- Piers
- Above the 26th
- Flood Cover
Contact Details
Phone 1300 668 066
Our Products
- Residential Strata
- Commercial Strata
Benefits
- Automatic 15% Catastrophe cover (Residential only)
- Automatic 15% Loss of Rent cover
- Flood cover provided to full sum insured
- No time limit on loss of rent/temporary accommodation
Appetites
- Residential Strata up to $200m
- Commercial Strata up to $100m
Declines
- Heavy Industrial
- Brothels/Massage services
- Pubs/Clubs/Taverns/Bars
- Nightclubs
- Tattooists
- Tyre retailers
- Hostels/Backpacker accommodation
- Tobacconists
Contact Us
Any advice provided on this website is of a general nature only and does not take into account your objectives, financial situation, or needs. Please refer to the Policy Wording/Product Disclosure Statement and Target Market Determination (if applicable) for the full terms of cover (conditions, limits and exclusions apply) to decide if a product is right for your personal circumstances. Our products and services are provided by separate companies in the SURA Group. For a list of these companies and associated entities click here.
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