Public Liability Insurance “It protects your assets”

VICTORIAN LICENSED PLUMBING CONTRACTORS LIABILITY

Incorporating Tools of Trade Cover

PSB INSURANCE BROKERS PTY LTDACN 053 015 311AFSL No. 241402

Members of the NationalInsurance Brokers Associationinsurance@psbgroup.com.au

www.psbgroup.com.au

Property Damage & Bodily Injury“hangs over your head”

Public Liability Insurance “It protects your assets”

COVER OPTIONSTools of Trade Fire, Specified Perils, Collision and/or overturning, theft following upon visible, forcible and violent entry to locked

vehicles or locked permanent building.

Option A Unspecified Tools of Trade (limit $1,000 any one item)

)000,1$ timil(kcotS edarT

Option B Specified Tools of Trade (eg: tools over $1,000)

I/We in effecting Insurance in accordance with the information furnished in this Proposal declare and warrant:(a) the statements in this Proposal are true.(b) I/we have disclosed all matters of which, to my/our knowledge, you should be aware.(c) no Insurance Company has ever cancelled, declined or refused to renew, or imposed special terms or conditions on, any policy held by me/us.(d) that I/we agree to accept the terms, exclusions, conditions and limitations of your policy.(e) We agree that relevant information concerning this insurance will be released to the Plumbing Industry Board.

ERUTANGISETAD

ONSEY?sesimerp ruoy morf yawa gnidleW)d(ONSEY?sevisolpxe fo egarots ro esU)a(

(b) Boilers &/or compressors which require Govt. certification? YES NO (e) Non-electrical activities? YES NO

ycilop siht rednu deriuqer revoc sI)f(ONSEY?krow noitcurtsnoC)c( YES NO

If “YES” to any of the above, please specify (if insufficient space, please add addendum page)

for non-electrical activities?

(b) List all claims and uninsured losses, damage or liabilities that have involved your Business during the last 5 years.

ONSEY?tnelaviuqe ro draoB Plumbing Industry eht yb denilpicsid neeb reve uoy evaH)c(

If “YES”, please provide details including date of hearing and finding.

(min $5 million) $5 million $10 million $20 millionytilibaiL cilbuP-deriuqer ytilibaiL fo timiL

ytilibaiL stcudorP-

YES NOYES NO(g) work in heights more than 10m & depths more than 3m?

THANK YOU FOR COMPLETING THIS PROPOSAL

Do your operations include

Tools of Trade cover

Declaration

Date Description Amount Insurer

1

2

3

4

$

$

$

1. 3.

4.2.

/

/

(a) Have you, your Business, or any Director, Proprietor or Partner of your Business ever had

(i) insurances cancelled or had special conditions imposed? YES NO

ONSEY?denilced ecnarusni rof lasoporp a)ii(

ONSEY?ycilop a wener ot esufer rerusni na)iii(

If “YES”, provide full details

Previous Insurances, Claims, Damage, Losses and Liabilities

(h) Working in the following industries: Mining, petrolium/oil, nuclear plants, Aviation including Aircraft, watercraft, landing strips, gas /public utilies?

}

VICPLUM2012

If more than 4 Specified items please attach a list of items to be individually noted.

So that we can save you time and paper and improve our services we offer you the option to receive your insurance documents electronically. If you choose to receive the documents electronically, we will deliver your insurance policies, Product Disclosure Statements and our Financial Services Guide and other disclosure documents by sending an email with PDF attachments or sending an email with a hyperlink or sending a letter with our website or a combination of these options. If you would like us to communicate with you in this way, please tick the following box.

If at any stage you no longer wish to receive documentation from us electronically or you require a hard copy of any documentation, please write to us advising that this method is no longer acceptable to you.

Suite 1, 43 Railway RoadBlackburn Victoria 3130

Tel. (03) 8841 3300Freecall. 1800 670 411

Fax. (03) 9894 1115PO Box 205

Blackburn VIC 3130

PROTECTING YOUR ASSETS

YOUR DUTY OF DISCLOSUREBefore you enter into a Contact of General insurance with us, you have a duty under the Insurance Contracts Act 1984 to disclose to us every matter you know, or could reasonably be expected to know, that is relevant to our decison whether to acceot the risk of the insurance and, if so, on what terms.You have the same duty to disclose those matters to us before you renew, extend, vary or reinstate your insurance.Your duty does not however, require disclosure of matters;• that diminish the risk to be undertaken by us; • that we nnow or, in the ordinary course of our business, ought to know;• that are of common knowledge; • as to which compliance with your duty is waived by us.

NON-DISCLOSUREIf you fail to comply with your duty of disclosure, we may be entitled to reduce our liability under the Contract in respect of a claim or may cancel the Contract. If your non-disclosure is fraudulent, we may also have the option of avoiding the Contract from its beginning.

REASONABLE PRECAUTIONS AND FRAUDULENT ACTSYou must take all reasonable precautions for the maintenance and safety of the Insured Property. We will not be liable for any loss, damage, injury or liability arising from a deliberate or fraudulent act committed by you or on your behalf.

IMPORTANT MATTERS REFERRED TO IN THE INSURANCE CONTRACTS ACT 1984

Building Act 1993MINISTERIAL ORDER

Licensed Plumbers General Insurance Order 2002I, Mary Delahunty, Minister for Planning, make the following Order:

The Following is an extract from the above mentioned Ministerial Order detailing the minimum level of insurance required to be held for Licenced Plumbers in Victoria

PART 3D AMOUNT AND PERIOD OF REQUIRED INSURANCE

18. Amount of insurance required for domestic plumbing workA plumber must have insurance that indemnifies him or her in respect of domestic plumbing work -(a) for public liability and completed work liability for an amount of at least $5,000,000 for any one occurrence; and(b) for all other liability under Part 2 for an amount of at least $50,000 for any one claim or series of claims in relation to a compliance certificate (or if the compliance certificate relates to more than one home, at least $50,000 for each home); and(c) for the reasonable legal costs and expenses associated with the successful enforcement of a claim against the plumber or the insurer.

19. Amount of insurance required for non-domestic plumbing workA plumber must have insurance that indemnifies him or her in respect of non-domestic plumbing work -(a) for public liability and completed work liability for an amount of at least $5,000,000 for any one occurrence; and(b) for all other liability under Part 2 for an amount of at least $100,000 for any one claim or series of claims in relation to a compliance certificate; and(c) for the reasonable legal costs and expenses associated with the successful enforcement of a claim against the plumber or the insurer.86 Schedule 3 permits the insurer to limit its liability for trade practices liability.7 Schedule 3 permits the insurer to limit its liability for completed work liability for things in the care, custody or control of the plumber.8 Schedule 3 permits the insurer to cap the total amounts paid under a policy.

20. Period that insurance must cover(1) A plumber must have insurance that indemnifies him or her in respect of plumbing work for which a compliance certificate is required -(a) for the liabilities referred to in clauses 10(a)(defects), 10(b)(trade practices liability) and 11 (consequential financial loss and non-completion) from the time he or she agrees to carry out that work until -(i) 6 years after the plumber last issued a compliance certificate in relation to that work; or(ii) if the plumber does not issue a compliance certificate in relation to the work, 6 years after the date the plumber stopped carrying out the work;(b) for public liability and completed work liability that arises from personal injury to a third party or loss or damage to the property of a third party (other than damage to property that is part of the plumbing work itself) that occurs during the period of insurance caused by an occurrence that happens in connection with the carrying out of the work (regardless of when the work was carried out).(2) The indemnity provided by the insurance for the liabilities referred to in clauses 10(a) and 10(b) and 11 must continue to apply throughout the relevant period specified in sub-clause (1)(a), even if the plumber ceases to be a licensed or registered plumber before the end of that period and even if the plumber ceases to maintain the policy under which the insurance is provided.

.oN yciloP ot:deriuqer ecnarusnI fo doireP eht etatS

(b) Your Plumbing Licence Number Number of years licenced

(c) Your Business ABN Number (if applicable)

(d) Your Business postal address No. Street

Suburb State Postcode

eliboM ssenisuBsrebmuN tcatnoC)e(

Email etavirP

(f) Number of years the Business has been established

(g) Number of persons (including Directors, Partners, Apprentices, Labourers) working on tools

WagesTurnoverdoirep htnom 21 tsal rof revonruT& segaW ssorG lautcA)h(

WagesTurnoverdoirep htnom 21 txen rof revonruT & segaW ssorG detamitsE

(i) Does work performed by sub contractors total more than 50% of your estimated annual turnover? YES NO

(j) Do you ensure sub-contractors are correctly insured? YES NO

(k) Describe in detail your business activities

(l) Please indicate the type of premises you will be working in Residential Comme

Non- Plumbing

rcial Industrial

ONSEY?snoitallatsni detelpmoc lla tset uoy oD)m(

(a) Provide the names and licence numbers for all licensed Plumbers in your business

Period of Insurance

Information about your business

Licensed Plumbers

Name Licence Number

/ /

% % %

%

( ) ( )

( )( )

Years

Full Time Part Time

$ $

$ $

/ /

(b) Have any of the Directors, Proprietors, or Partners of your Business ever been

(i) charged with any offence regarding fraud or dishonesty? YES NO

ONSEY?tpurknab edam)ii(

ONSEY?ecneffo lanimirc yna fo detcivnoc)iii(

(iv) under investigation for any fraudulent or dishonest acts? YES NO

If “YES” to any of these questions, supply full details

PSB Insurance Brokers P/L ACN 053 015 311 AFS Licence No. 241402

PROTECTINGYOUR ASSETS

(a) Business name Trading As:

Liability Proposal

VICPLUM2012

Victorian Plumbers

Plumbing Turnover Split Up

Type of Work Insured Sub-Contractors Others No. of Persons working on tools

Domestic Turnover $ $ $

Non Domestic Turnover $ $ $

Type “B” Gas Fitting turnover $ $ $

VICTORIAN LICENSED PLUMBING CONTRACTORS LIABILITY

Incorporating Tools of Trade Cover

PSB INSURANCE BROKERS PTY LTDACN 053 015 311AFSL No. 241402

Members of the NationalInsurance Brokers Associationinsurance@psbgroup.com.au

www.psbgroup.com.au

Property Damage & Bodily Injury“hangs over your head”

Public Liability Insurance “It protects your assets”

COVER OPTIONSTools of Trade Fire, Specified Perils, Collision and/or overturning, theft following upon visible, forcible and violent entry to locked

vehicles or locked permanent building.

Option A Unspecified Tools of Trade (limit $1,000 any one item)

)000,1$ timil(kcotS edarT

Option B Specified Tools of Trade (eg: tools over $1,000)

I/We in effecting Insurance in accordance with the information furnished in this Proposal declare and warrant:(a) the statements in this Proposal are true.(b) I/we have disclosed all matters of which, to my/our knowledge, you should be aware.(c) no Insurance Company has ever cancelled, declined or refused to renew, or imposed special terms or conditions on, any policy held by me/us.(d) that I/we agree to accept the terms, exclusions, conditions and limitations of your policy.(e) We agree that relevant information concerning this insurance will be released to the Plumbing Industry Board.

ERUTANGISETAD

ONSEY?sesimerp ruoy morf yawa gnidleW)d(ONSEY?sevisolpxe fo egarots ro esU)a(

(b) Boilers &/or compressors which require Govt. certification? YES NO (e) Non-electrical activities? YES NO

ycilop siht rednu deriuqer revoc sI)f(ONSEY?krow noitcurtsnoC)c( YES NO

If “YES” to any of the above, please specify (if insufficient space, please add addendum page)

for non-electrical activities?

(b) List all claims and uninsured losses, damage or liabilities that have involved your Business during the last 5 years.

ONSEY?tnelaviuqe ro draoB Plumbing Industry eht yb denilpicsid neeb reve uoy evaH)c(

If “YES”, please provide details including date of hearing and finding.

(min $5 million) $5 million $10 million $20 millionytilibaiL cilbuP-deriuqer ytilibaiL fo timiL

ytilibaiL stcudorP-

YES NOYES NO(g) work in heights more than 10m & depths more than 3m?

THANK YOU FOR COMPLETING THIS PROPOSAL

Do your operations include

Tools of Trade cover

Declaration

Date Description Amount Insurer

1

2

3

4

$

$

$

1. 3.

4.2.

/

/

(a) Have you, your Business, or any Director, Proprietor or Partner of your Business ever had

(i) insurances cancelled or had special conditions imposed? YES NO

ONSEY?denilced ecnarusni rof lasoporp a)ii(

ONSEY?ycilop a wener ot esufer rerusni na)iii(

If “YES”, provide full details

Previous Insurances, Claims, Damage, Losses and Liabilities

(h) Working in the following industries: Mining, petrolium/oil, nuclear plants, Aviation including Aircraft, watercraft, landing strips, gas /public utilies?

}

VICPLUM2012

If more than 4 Specified items please attach a list of items to be individually noted.

So that we can save you time and paper and improve our services we offer you the option to receive your insurance documents electronically. If you choose to receive the documents electronically, we will deliver your insurance policies, Product Disclosure Statements and our Financial Services Guide and other disclosure documents by sending an email with PDF attachments or sending an email with a hyperlink or sending a letter with our website or a combination of these options. If you would like us to communicate with you in this way, please tick the following box.

If at any stage you no longer wish to receive documentation from us electronically or you require a hard copy of any documentation, please write to us advising that this method is no longer acceptable to you.

Suite 1, 43 Railway RoadBlackburn Victoria 3130

Tel. (03) 8841 3300Freecall. 1800 670 411

Fax. (03) 9894 1115PO Box 205

Blackburn VIC 3130

PROTECTING YOUR ASSETS