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

High Court dismisses Business Interruption Test Case

Today the High Court dismissed appeal by Insurers on the Business Interruption test case. Even the big insurers make silly mistakes! But you the policy holder may benefit if you were one of the 40% of Business Pack policy holders that added Business Interruption cover to their Business Pack. While it was never the intent of insurers to cover policyholders for the loss of income from a pandemic, the fact that insurers never factored in a risk premium for it, and the fact there is supposed to be a material or physical loss to trigger the Business Interruption section, none of that matters according to the highest Court in the land. So what was the mistake? Simply that when insurers defined what they considered to be the definition of an infectious disease, they referred to the Quarantine Act of 1908 which since was superseded by the Biodiversity Act of 2015. Because the Quarantine Act of 1908 no longer exists, apparently you cannot draw on this for a definition of an infectious disease? Not one of the insurers picked up on this! Shows how much interest we take on the business of Governments, except what is reported in the media.

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Three Years running - Insurance Brokerage of the Year 1 to 5 staff

Mandy and Robert Cooper were extremely honoured and astounded to once again win, Insurance Brokerage of the Year for 2020 from Insurance Business Australia magazine. This is the third year running.

While this year has not been the easiest of years for the business with Covid 19, the Recession, the hard market and issues at Lloyds of London, we are literally all in this together as an Insurance Industry.

CPR Insurance Services continues to make our clients the number one focus of our business while managing our relationships with Insurers, who we need more than ever in this market climate.

CPR Insurance Services are a highly ethical Brokerage with a reputation as a trusted advisor who always acts in the Client's best interests. Their experience, knowledge and expertise is amongst the highest in the industry.

CPR Insurance Services is now ten years old as a business and is proud of being an Authorised Representative of Ausure and their partnership with Steadfast, giving CPR the strength and backing to match it with any Broking firm in the Insurance Industry, but remain focussed on supporting the Small to Medium business segment.

Memberships of the National Insurance Brokers Association, Australia and New Zealand Institute of Insurance and Finance, Australian Insurance Law Association, Australian Professional Indemnity Group and the Australian Institute of Company Directors, ensures CPR Insurance Services maintains the high standard of knowledge and expertise required to be one of the best Brokerages in Australia.

CPR Insurance Services also plays a strong role in their local community supporting other Sporting Clubs and Community organisations. They also support and promote local businesses with their operation of the Kedron Brook Business Group who meet regularly and has 174 members.

We are truly honoured to receive this National award once again for the third year as a recognition of CPR Insurance Services contribution.

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