Occupations and Business Activities Automatically Covered
The following business activities are automatically covered under your policy, whether you undertake just one or all of them, you will be covered. The advantage of having so many activities listed under the one policy, is, that with some occupations there can be a cross over of occupations and if you were only insured for one particular occupation and you happened to stray outside the parameters of that occupation, then you may not be covered in the event of a loss. The other benefits are, that if you wish to grow your business or branch out into other fields of work, then you will automatically be covered, without having to seek additional insurance cover. Unlike many policies on the market, that restrict cover to just a single occupation or activity, our market leading broad cover of multiple occupations means that you can proceed with your work safe in the knowledge that you will be fully covered. Click on any occupation heading below to expand the definition of what is covered.
Including but not limited to, investigators, private investigators and inquiry agents undertake private, corporate, insurance and legal, investigations in respect of contractual disputes, insurance claims, litigated matters in respect to personal injuries, physical damage or financial losses, including civil & criminal investigations, factual investigations, forensic investigations, surveillance, field calls, skip tracing, locating, receivable management, litigation support services, conduct interviews, gathering evidence including records of interviews, statements, photographs, documents and other physical evidence.
Including but not limited to, commercial agents, mercantile agents, collection agents, debt collectors, locate and demand payment of overdue debts in writing or verbally either by telephone or personal attendance upon the debtor. Enter into dialogue with individual and corporate debtors to achieve resolution of the delinquent account either by full or part recovery or by establishing the debtor does not have either the means to pay the account or the obligation to pay the account. Prepare summonses or statements of claim for filling at court and service by a process server. Administer and maintain client ledgers for credit management and debt collection undertake credit checks and collect payments and arrears in full or by instalments.
Including but not limited to, credit management, credit risk management, evaluate credit applications; determine and establish appropriate securities to minimise risk; manage and recover errant debts; utilise credit information agencies and bureaus, facilitate compliance with statutory, legislative and regulatory requirements; initiate legal recovery of debts; resolve disputes. Pre and post insolvency of a customer, obtaining enforceable directors guarantees, effecting retention of title in the event of a payment not being received, terms of trade conditions and charging interest on overdue accounts, auditing current credit management procedures and manuals, preparing new credit management procedures and manuals, training in credit management procedures, administer and maintain client ledgers for debt and credit management, undertake credit checks and collect payments and arrears in full or by instalments.
Including but not limited to, attend various addresses including residences, businesses and work places to deliver court documents including subpoenas, divorce papers, writs, statements of claim and other notices and documents, complete affidavit.
Including but not limited to, recording, assessing, processing, negotiation and settlement of claims, utilise the services of an assessor, engineer or investigator in the processing and investigation of a claim, arrange for the repair, replacement or settlement of any lost or damaged item or injured party, pursue the negligent party for recovery of the loss and engage the services of a solicitor or debt collector.
Including but not limited to, attend at various places including residences, businesses and work places for the purpose of making demands for settlement of outstanding arrears on a debt or else the surrender of security goods collect cash, bank cheque or remittance to clear the outstanding arrears. arrange for repossessed goods to be towed or carted to an auction room or holding storage secure and protect property and premises after occupants have been ejected by a bailiff or sheriffs officer and arrange a locksmith to re-secure the premises to prevent re-entry by the debtor/occupier.
Including but not limited to, classroom and on-line professional quality training, coaching, instructing, developing, assessing and delivery of all national and state recognized certificate and diploma qualifications to experienced and non-experienced professionals and students covering all aspects of private and corporate, civil & criminal investigations, debt collection, credit management, commercial agent and claims management, including investigation, government investigation, fraud control, court complaint and compliance, security and risk management, OH&S, workplace accident and incident investigation, prior recognized learning & accreditation, civil litigation support, insurance and corporate fraud, consultancy, surveillance, due diligence and finance sector support.
Including but not limited to, insurance risk surveying, assessing, risk analysis loss mitigation and assessment, advice, carry out surveys and assessments of buildings, machinery, transport and other sites and assets. Produce reports to help underwriters and interested parties decide on terms, conditions, endorsements and exclusions of insurance policies, including fire & perils, accident and liability, engineering, burglary, theft and marine.
Including but not limited to, identification and assessment of assets, risk & threat assessment, prepare and implement security risk management plans, assess and implement security risk management options, coordinate security operations, establish and maintain occupational health & safety system, facilitate and capitalise on change and innovation, evaluate risks, dangers and hazards to people, property and product, develop countermeasure risk management strategies, undertake audits and assessments.
Including but not limited to, all installation, operating, selling, renting, testing, monitoring and training of all security, surveillance and investigation equipment, including but not limited to, digital, TSCM debugging, GPS tracking, ADSL connection, computers, monitors, TV, VCR, CCTV, cash registers, point of sale, cameras, control rooms, alarms, intercoms, safes, telecommunication devices, back to base and monitoring for all commercial, corporate, residential and individuals.
Including but not limited to, install and maintain locks and related security devices and systems, including computerised security systems and devices, site inspections, determine security requirements, design and/or recommend security and locking systems, diagnose, test performance, modify, repair or replace locks and security systems and devices, cut new or duplicate keys for locks and other security systems and devices, open locked safes, doors or padlocks by manipulation, fabricate, fit and assemble parts for customised locks and security systems, maintain records of specifications of installed locking systems.
Including but not limited to, controlled and supervised drug and alcohol testing of all employees and contractors on behalf of employers, companies and authorities in respect of requirements including but not limited to employment, contractual, licensing and OH&S matters. Test results may require checking in a laboratory, with the results recorded and distributed to the appropriate authority.