Liabilities we insure

Having liability insurance is important to protect your client as an individual or for their business if they are at risk of being held legally liable for an incident such as property damage, injury, contractual obligations or negligence.  Even the most careful of people and businesses can be at risk of a liability claim.

It is critical for those that are business owners, individuals, property owners, product manufacturers, and retailers to have liability insurance as they have a responsibility towards their customers, employees, suppliers and community to ensure that they are insured against any negligence that they may be held liable for.  If found negligent, the financial and reputational costs associated with a liability claim can be devastating and it can easily cripple a business financially or their business reputation.

With this in mind, Ryno’s liability products have been designed to provide brokers like you and your clients with flexible and innovative solutions that are tailored for their individual needs.

We have designed liability insurance cover for several target industries. These products have been tailored to provide certain policy benefits for these industries.

Target Industries

The following industries are only a summary of the covers we are able to arrange. Should you need to inquire further on industries that are not listed below, please contact us.

Accommodation

Motels, Bed & Breakfast’s, Backpackers, Student Accommodation & Boarding Houses …

Cleaners

Domestic, Commercial or Industrial Cleaners… Ryno Insurance’s Cleaners Liability is polished to perfection!

Events & Market

Specialised Liability for annual & one-off Events & Markets.

[ultimate_modal modal_title=”Budget Accommodation” btn_bg_color=”#ff9323″ btn_txt_color=”#ffffff” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”]…we’ve got a vacancy for your clients budget accommodation liability needs.

Ryno Insurance’s Budget Accommodation Liability policy has been designed to provide cover for the budget accommodation industry including automatic benefits of:

  • Errors & Omissions up to $250,000
  • Care, Custody and Control up to $250,000
  • Inn Keepers Liability up to $100,000

With limits of up to $20M available, competitive premiums and deductibles why not give us a go… call Ryno Insurance today to arrange a quote for your clients Budget Accommodation Liability![/ultimate_modal]

[ultimate_modal modal_title=”Cleaners” btn_bg_color=”#ff9323″ btn_txt_color=”#ffffff” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”]We understand the exposures associated with Cleaning and have tailored a liability product to suit. Some of the key benefits our policy can provide are:

  • Sub Contractors Liability Extension
  • Loss of Keys extension limits of up to $50,000
  • Principal Indemnities and in some circumstances include waiver of subrogation or hold harmless agreements

Why not give us a go…[/ultimate_modal]

[ultimate_modal modal_title=”Events & Market” btn_bg_color=”#ff9323″ btn_txt_color=”#ffffff” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”]Ryno Insurance’s Events & Markets Liability has been designed to provide cover for annual or one-off events with extremely competitive premiums and excesses on offer. We are able to also provide an extension of cover for event cancellation!

Limits of up to AUD $20M are available so contact us today to arrange for a quote![/ultimate_modal]

General Liability

Flexible and innovative solutions for your General Liability needs.

Non profit text on missing puzzle background.

Not-For-Profit

NFP’s, community groups, and enthusiast clubs… Check out this Liability!

Cropped image of a businessman fixing his tie against a white background

Project Managers

You manage your project, and we’ll manage your liability.

[ultimate_modal modal_title=”General Liability” btn_bg_color=”#ff9323″ btn_txt_color=”#ffffff” modal_on_align=”left” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”]Whilst we have our target industry segments, our underwriting appetite is not limited to these industries. Ryno Insurance has the technical expertise and access to the Lloyd’s market to assist you and your client with any Liability needs. Lloyd’s offers authorised security combined with the knowledge and tradition to make it the most well known insurance market in the world.

Ryno Insurance can assist you with the placement of Primary Liability and Excess Liability with Primary limits of up to AUD $20M and Excess limits of up to $100M or higher if required.

Some of the risks considered under our General Liability are:

  • Manufacturing
  • Engineering
  • Chemicals
  • Importers & Exporters
  • Hard to Place risks

Any many more…[/ultimate_modal]

[ultimate_modal modal_title=”Not-For-Profit ” btn_bg_color=”#ed9012″ btn_txt_color=”#ffffff” modal_on_align=”left” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”] Ryno’s NFP Liability offers limits of up to $20,000,000 and some of the service providers we can cover includes:

  • Aged Care
  • Animals & the environment
  • Community Services
  • Disabilities
  • Education & Training
  • Enthusiast Clubs
  • Home Help
  • Sports Groups
  • Veterans & Ex Services

With competitive premiums and excellent policy coverage why not make Ryno Insurance your choice of insurer for Not-For-Profit’s Liability![/ultimate_modal]

[ultimate_modal modal_title=”Project Managers” btn_bg_color=”#ed9012″ btn_txt_color=”#ffffff” modal_on_align=”left” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”]Ryno’s Project Managers Liability cover has been designed for project managers and site supervisors who perform office work and non-manual site visits, including site surveys and site inspections.

With competitive premiums, excellent policy coverage and deductibles starting from $500 why not make Ryno Insurance your choice of insurer for Project Managers Liability![/ultimate_modal]

Property Owners

Ryno Insurance specialises in Commercial Property Owners Liability.

Shot of a young man smiling confidently at the door of a coffee shop

Restaurants

Restaurant’s, café’s, coffee & cake shop’s… Ryno’s Liability will compliment your insurance order nicely.

Scaffolders

Ryno Insurance’s Scaffolders Liability reaches new heights!

[ultimate_modal modal_title=”Commercial Property Owners” btn_bg_color=”#ff9323″ btn_txt_color=”#ffffff” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”]We’ll even provide liability cover for the property while it’s vacant!

Acceptable Properties:

  • Single or multiple tenants
  • Building values of up to $20M
  • Vacant properties

With limits of up to $20M available, competitive premiums and deductibles why not give us a go… call Ryno Insurance today to arrange a quote for your clients Commercial Property Owners Liability![/ultimate_modal]

[ultimate_modal modal_title=”Restaurants” btn_bg_color=”#ff9323″ btn_txt_color=”#ffffff” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”]Our Underwriters have a comprehensive understanding in providing Liability cover for restaurants and café’s. Whether your client operates a small coffee shop or a fine dining restaurant, Ryno Insurance has got the cover for your clients!

With limits of up to $20 million available, excesses starting at $250 and very competitive premiums contact the team at Ryno Insurance today to get your liability quote.[/ultimate_modal]

[ultimate_modal modal_title=”Scaffolders” btn_bg_color=”#ff9323″ btn_txt_color=”#ffffff” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”]With limits of up to $20, 000,000 Primary Liability, our appetite to underwrite this industry is extensive and is not dependent on whether your clients perform commercial, industrial or residential scaffolding. We are able to extend cover to provide cover for sub contractors, principal indemnities and in some circumstances include waiver of subrogation or hold harmless agreements.

With competitive premiums, excellent policy coverage and deductibles starting from $1,000 why not make Ryno Insurance your choice of insurer for Scaffolders Liability![/ultimate_modal]

Shopping Centres

Shop no more and check out Ryno’s Shopping Centre Liability!

Cropped shot of a carpenter making measurements on a plank of woodhttp://195.154.178.81/DATA/i_collage/pi/shoots/784177.jpg

Tradies

Grab your high vis, lace up your boots and see how Ryno’s Tradies Liability measures up.

Transport & Logistics

Ryno Insurance’s Transport & Logistics Liability will aim to DELIVER all your clients liability needs…

[ultimate_modal modal_title=”Shopping Centres” btn_bg_color=”#ff9323″ btn_txt_color=”#ffffff” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”]Ryno Insurance has the ability to provide cover for small retail strip shops through to multi-tenanted shopping centres. We can provide cover for property owners only or owner operators, including centre management activities.

With limits of up to $20 million available and competitive premiums, contact the team at Ryno Insurance today to get your liability quote.[/ultimate_modal]

[ultimate_modal modal_title=”Tradies Liability ” btn_bg_color=”#ed9012″ btn_txt_color=”#ffffff” modal_on_align=”left” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”]Ryno’s Tradies Liability offers limits of up to $20,000,000 and some of the occupations we cover are:

  • Air Conditioning
  • Brickies
  • Chippies
  • Sparkies
  • Painters
  • Plasterers
  • Roofers
  • Tilers
  • And many many more…

We can extend cover to provide cover for sub contractors, principal indemnities and in some circumstances, include waiver of subrogation or hold harmless agreements.

With competitive premiums, excellent policy coverage and deductibles starting from $500 why not make Ryno Insurance your choice of insurer for Tradies Liability![/ultimate_modal]

[ultimate_modal modal_title=”Transport & Logistics” btn_bg_color=”#ff9323″ btn_txt_color=”#ffffff” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”]We know how tough the Transport & Logistics industry is – whether your client is an owner-driver; operating a fleet of vehicles; running a logistics company or working for multiple contractors – we have a tailored liability insurance solution to suit.

Our Liability policy for the Transport & Logistics industry automatically provides cover for Care, Custody and Control of up to $250,000. We can also provide cover for sub contractors who work exclusively for your client as well as tailoring any other cover requirements your clients may need.

Why not give us a go… call Ryno Insurance today to arrange a quote for your clients Transport & Logistics Liability![/ultimate_modal]

Vacant Land

Oh, give me land, lots of land under starry skies above, don’t fence me in!

Welders & Boilermakers

Ryno Insurance’s Liability for Welders & Boilermakers is SPARKTACULAR!

[ultimate_modal modal_title=”Vacant Land” btn_bg_color=”#ff9323″ btn_txt_color=”#ffffff” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”]Ryno Insurance’s Vacant Land Liability ensures your clients won’t be fenced in with our specialist Liability cover for Vacant Land Owners.

Our policy provides liability cover for:

  • Purely vacant land
  • Land used for Car Parking (Unsealed Parking Lots)
  • Markets
  • Land for sale, residential or commercial development
  • Hobby farms up to 20 acres
  • Agistment of cattle or horses – up to 50head and maximum of 10acres land size
  • Vacant Domestic Buildings

Why not give us a go… Call Ryno Insurance today to arrange a quote for your clients Vacant Land Liability![/ultimate_modal]

[ultimate_modal modal_title=”Welders & Boilermakers” btn_bg_color=”#ff9323″ btn_txt_color=”#ffffff” btn_text=”Read More” modal_size=”medium” modal_style=”overlay-fade”]Our Liability policy for Welders & Boilermakers is able to cover domestic, commercial and industrial welding activities. Our comprehensive understanding of this industry has allowed us to tailor a policy specific to your clients needs.

Some of the activities we cover are:

  • Domestic & residential work
  • Non structural & structural components
  • Staircases & handrails
  • Earthmoving machinery repairs (excluding underground equipment)
  • Pipelines
  • Repairs to open cut / aboveground mining equipment

With limits of up to $20M available, competitive premiums and deductibles why not give us a go… call Ryno Insurance today to arrange a quote for your clients Welders Liability![/ultimate_modal]

Policy Benefits

Ryno is able to arrange cover with the following automatic and optional extensions:

Our underwriters have extensive experience in the liability insurance market and combined with our broad appetite, competitive wording and premiums, it makes Ryno an excellent choice for your client’s liability insurance needs.  We are backed by certain underwriters at Lloyd’s, which is the world’s leading insurance market providing specialist insurance services to businesses.

Contact the team at Ryno Insurance to find out how we can further assist your client to get the most appropriate liability insurance cover, in a wide range of industries.