Services

General Insurance

Your insurance placement is an integral part of your business; without adequate cover in place, your company risks the chance of never recovering from a loss.

We distinguish ourselves from our peers through being “advice driven” rather than “sales driven”.

GSA is equipped to advise your business in respect of all insurance needs across a range of insurance products which protect your Assets, Income, Liabilities and Expenses.

Our skill in conducting an in-depth analysis is essential to arranging the appropriate coverage that is “fit for purpose” to your business.

Environmental Liability

Environmental Liability provides financial protection for property and business owners in the event of restoration after damage caused by an environmental impact such as pollution or biodiversity.

Key questions you should be asking:

1. Do we (or our tenants) utilise/store materials that could potentially contaminate our surrounding areas?

2. Does our site have historical use by industries that pose environment concerns? i.e. petrol stations, manufacturing etc.

3. Do we own an old building that may have asbestos or lead paint?

Business Package

Business Package Insurance is a product designed for small businesses that covers a broad range of risks.


Key questions you should be asking:

1. Have we made an informed decision on which sections of cover we should and shouldn’t be taking in our business package?

2. Is the cover under the business package sufficient for our growing business?

3. Have we declared our business activities correctly to ensure the policy will respond if something goes wrong?

Environmental Liability

Environmental Liability provides financial protection for property and business owners in the event of restoration after damage caused by an environmental impact such as pollution or biodiversity.

Key questions you should be asking:

1. Do we (or our tenants) utilise/store materials that could potentially contaminate our surrounding areas?

2. Does our site have historical use by industries that pose environment concerns? i.e. petrol stations, manufacturing etc.

3. Do we own an old building that may have asbestos or lead paint?

Industrial Special Risks (ISR)

A wide coverage business insurance policy that provides cover for a range of loss scenarios or damage to high value physical assets including property, buildings, materials and machinery.

Key questions you should be asking:

1. Does our Insurer properly understand our business and risk profile?

2. How is our business interruption calculated, and does it reflect my business continuity plan?

3. Is our current risk management strategy effectively helping minimise our premium?

Motor Fleet

Businesses with large numbers of vehicles can achieve economies of scale by insuring them under a Motor Fleet policy.


Key questions you should be asking:

1. What risk management options are available to help us improve our claims history?

2. Are our claims being managed effectively and efficiently?

3. Should we insure our vehicles on replacement cost or market value?

Product Recall

Recall insurance is triggered when a product you have sold becomes an imminent threat of bodily injury or property damage. The policy covers the costs of removing the impacted batch of product from the marketplace.


Key questions you should be asking:

1. Do we have a clear recall strategy in place?

2. Do we have contractual liability to cover third party loss due to a recall?

3. Would my business suffer a financial loss in addition to costs should we have a recall?

Public and Products Liability

Covers you if a client or member of the public claims they have been injured, or their property damaged, because of your business activities. It will also cover claims of property damage.

Key questions you should be asking:

1. Is our Insurer aware of our risk management strategy?

2. Do we need to consider policy extensions like Errors and Omissions, or Product Recall?

3. Do we have the right level of cover/policy limit for our business?

For more information please contact us

Carlo Gentili
Head of General Insurance and Claims
(02) 8274 8130carlog@gsaib.com.au
Charles Galayini
Head of Business Development
(02) 8274 8138charlesg@gsaib.com.au

Clients We
Work With.

We have been very impressed with the tailored approach GSA has adopted toward addressing our needs. They are small enough to deal with us individually, and big enough to have strong & influenced relationships in the industry. They have vast expertise that they use to our advantage.”

Glen Bourke
Hamilton Island
-
Chief Executive Officer

The Easts Group engaged GSA in 2010 as our brokers and have always been extremely impressed with the personalized service from Paul, James and their Professional team. GSA’s commitment to understanding our business and looking at cost efficiencies in a challenging insurance market has resulted in great results for the club across all lines of insurance. This is evidenced through strategic, outside of the box thinking without jeopardizing cover, and is delivered with clear and detailed communication throughout the process. We thoroughly enjoy working with the GSA team and, importantly, being part of the KidsXpress program.

Joe Kelly
Easts Group
-
Cheif Executive Officer

We're a new breed of Insurance Broker, who think insurance should do more than just cover you for loss.

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