Organise a CPR Presentation

CPR Insurance Services are able to provide a range of presentations on a number of important topics for business. We come to your office or your preferred location to present. We do this usually for no charge and for the contribution of education and knowledge to assist any group or business.

The subjects include:

  • Under-insurance – Whats the point?
  • Basic Risk Management – Thinking for your business.
  • Management Liability – risks to small to medium business
  • Association Liability – not for profit organisations are exposed
  • Directors & Officers Liability – Why do you need it
  • Professional Indemnity Insurance – number one protection
  • Liability Insurance – because it could be your fault

However, if there is a specific subject you would like presented to you, we are able to provide if it falls within our current expertise which is most areas of General Insurance.

Our core presentations are summarised as follows:

Underinsurance – What’s the point?

Under insurance of property or risk may be accidental or may be used to save money, but is it worth it?  What actually is it? Why do people under-insure? Why does it matter? The fact is, not insuring for the full indemnity or replacement value can be extremely costly, perhaps even wiping out a business. We go through different examples of areas of under-insurance, its impact and why Under Insurance should be avoided for any business.

Basic Risk Management – Thinking for your business

Managing Risks is an essential part of any modern business. Insurance is only one aspect of this (called Risk Transfer), but there are many other ways including:

  • Loss Control - minimising the risk as much as reasonably and financially possible
  • Risk Avoidance - not becoming involved with such risks at all.
  • Risk Financing - provisioning funds to manage potential risks
  • Risk Transfer - transferring the risk away contractually such as using risk carriers such as insurers,  or contractual conditions

We discuss the basics behind managing risk in a small business with some practical examples using these basic principals.

Management Liability – risks to small to medium businesses

If you run a small business, there are many exposures with simply managing it that you should be aware of and it is possible to have insurance protection for. Simply you have a duty of care owed to your employees, creditors, government agencies, competitors and shareholders. We discuss what these risks are and how you as a Director or Officer can be personally liable for various types of “wrongful acts” in simply trying to run a business.

Association Liability Insurance – not for profit organisations are exposed

Not for profit organisations have very similar exposures to Management Liability but instead there is no profit making incentive in the decisions Boards or Committees of Associations make. However they also owe a duty of care to many stakeholders. They are usually volunteers with their primary motivation to follow the vision of their Organisation but at the same time could risk losing their own home for making decisions on their behalf. They deserve protection for volunteering their time and yet risk being sued by a disgruntled member, or any other stakeholder.

We discuss why office bearers have this exposure and how there is a solution available with Insurance cover.

Directors & Officers Liability Insurance – Why do you need it?

Directors' and Officers' insurance compensates directors and officers for loss, including legal costs, where they have committed a 'wrongful act' while carrying out their role as managers of the corporate entity. Mainly taken by Public Corporations where their Directors understand the risks and insist upon the protection before accepting a Board position, it is still a subject of interest that can reviewed and discussed once again with this presentation.


Professional Indemnity Insurance – Number One Protection

The most important cover for a professional person is discussed here with a presentation from one of the most knowledgeable Insurance Brokers on the subject. Robert Cooper has long been regarded as an expert in Professional Indemnity Insurance and this presentation makes it simple to understand what can be a very confusing and complex cover. Understand why as a Professional you have a duty of care, traps and tips for policy holders, and why it is quite likely you do not have enough cover.

Liability Insurance – because it could be your fault

Liability cover encompasses a wide area. We mainly know about Public Liability and Products Liability, but don’t forget other liability covers such as Employment Practices Liability, Cyber Risk Liability, Management Liability, Professional Indemnity and Directors & Officers Liability. What is claims made insurance and why are some policies “loss occurring” policies? Why is a failure to take this cover a risk of bankruptcy to your business. What is vicarious liability?  Why are certain matters not covered? How much do I need to cover my business for?

We discuss all these issues in a simple and easy to understand format in a presentation catering for interactive discussion so that all your questions are answered.


So if you are looking for a presentation for your business or organisation, for 20 minutes, 30 minutes or up to 60 minutes, so that you can increase the knowledge of yourself or your colleagues, give us a call on 07 31231137 or 0439 530 910.

CPR Insurance – Experts who will save you!


Latest News

Above-average cyclone season looms

As reported by

Insurers should brace for an above-average cyclone season due to weakening La Nina conditions in the Pacific Ocean and warmer than average sea temperatures to the north and east, according to the Bureau of Meteorology.

The cyclone season begins next month and ends in April.

The bureau says Australia has a 67% chance of an above-average season, while the west has a 59% chance, the northwest 63%, the north 56% and the east 58%.

In neutral years the first tropical cyclone to make landfall typically occurs in late December, while in La Nina years it usually hits in the first week of December, the bureau says.

Insurance Council of Australia spokesman Campbell Fuller says even an average cyclone season – consisting of 11 events, four of which make landfall – can be devastating.

“An above-average year could bring many more than that, and each one has the potential to cause catastrophic damage if it crosses the coast in a heavily populated area,” he said.

“Only one cyclone made landfall last season, and that was in a sparsely populated part of WA’s Pilbara. There’s no guarantee Australia will be so fortunate this summer.”

Tropical Cyclone Marcia cost insurers $544 million from more than 37,000 claims when it struck Rockhampton in February last year. In 2011 Cyclone Yasi cost insurers $1.4 billion.

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Beware the escape clause in Motor policies

Cheap motor insurance can have some tough exclusions The Policy Comparison team at LMI have highlighted some new exclusions have been introduced by some of the “Cheapy” direct insurers. Previously Motor Insurance wordings did not have an exclusion for “reckless acts” but this has now changed.  Reckless driving is often defined as a mental state in which the driver displays a wanton disregard for the rules of the road; the driver misjudges common driving procedures, often causing accidents and other damages. The legal dictionary defines reckless driving as operation of an automobile in a dangerous manner under the circumstances, including speeding (or going too fast forthe conditions, even though within the posted speed limit), driving after drinking (but not drunk), having too many passengers inthe car, cutting in and out of traffic, failing to yield to other vehicles, and other negligent acts.

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