NEW CLIENT INFORMATION
KNOW WHAT & HOW YOU ARE COVERED

Our Disclosure -
Due the financial services laws that are designed to protect you, we need to disclose important information that may influence your decision to to buy a certain product. You need to be informed about an insurance products we arrange, so you can decide if they are right for you.

If you operate out of hall and not lease a full-time facility you will no doubt not require the ‘contents / glass breakage’ policy. 
If you need both, please fill out both forms by clicking on the relevant buttons linked to the online application forms below -

How do we calculate an insurance Quotation?
We want to eliminate any ‘grey areas’ so we ask a number of questions to determine the type of activities each business has. We also use a combination of amount student / classes per week and the annual turnover. It’s essential to have each club / gym / association rated appropriately so there is no change of being under insured which may result in complications in the event of a claim.

This policy is unique in respect to the following: 
# The highest securities from a global insurer (better protection in the event of a claim)
# Broader worldwide coverage
# All inclusive policy wording that best represents the requirements of martial arts / fitness clubs
# Brokered by a dedicated martial arts / fitness specialist (knowing your business helps in claims processing)
# Competitive pricing

Please read the below documents by clicking on the links that relate to Public Liability Packages through Brooklyn Underwriting

·      Important Notices 

- including the General Advice Warning in relation to Retail Products

·      Financial Services Guide (FSG)_MAAIS_January_2022

·      S&L Combined Liability Policy Wording BROOKLYN 09.21

 - including Public / Products & Civil Liability

·      S&L Group Personal Accident Wording & PDS BROOKLYN 09.21 

- including Personal Injury

·      S&L Property Pack Policy Wording BROOKLYN 09.21 

- including Business Interruption / Property / Contents / Glass Plate

·      Personal Accident - Target Market Determination

Business Pack Insurance for - Property, Contents, Theft, Water/Fire Damage and Business Interruption are shopped to a number of insurers to seek the best policy benefits and price. Our facility arrangement allows us to obtain 9-10 quotes at once, so we can always put forward the best in the market to you. Since this type of coverage is fairly volatile (prices varying 400%), we think its vital to do the brokering work and shop around for you.

Your Obligation
Before you enter into an insurance contract, you have a duty to tell the insurer anything you know, or could reasonably be expected to know, may affect the insurer’s decision to insure you and on what terms. You have this duty until the insurer agrees to insure you.

You do not need to tell the insurer anything that:

·      reduces the risk they insure you for; or

·      is common knowledge; or

·      they know or should know as an insurer; or

·      they waive your duty to tell them about.

Not informing the insurer of something:

If you do not tell the insurer anything you are required to, they may cancel your contract or reduce the amount they pay you if you make a claim, or both. If your failure to tell the insurer is fraudulent, they may refuse to pay a claim and treat the contract as if it never existed.

We also refer you to the linked Important Notices and in particular to the following definitions:

·      Average / Under Insurance.

·      Limit of Liability

·      Deductible / Excess

·      Claims Made During the Period of Insurance

·      Retrospective Cover

If you are starting out or need support in getting your business to the next level our partners at Martial Arts Australia can help you.

They can provide a good checking point for risk management, waivers, incident reporting, appropriate qualifications accepted, your obligations if you have a student injury and extra support when making a claim. They also have business tools / assets to help you reduce operational costs and make you more profitable.

For this reason we encourage you to consider a Professional Membership with Martial Arts Australia  (peak industry body). Did you know that their accreditation is deemed an industry standard and can help in the defence of a claim to substantiate your credibility as a qualified instructor.

If you are unsure of any of the details required on the application form, please don’t hesitate to contact us to guide you through it.

RENEWING CLIENT INFORMATION 
UNDERSTANDING THE PROCESS & WHY

Making a more informed decision about protecting your business
Due the financial services laws that protect you, we need to disclose important information to you. that may have an influence your decision to decide whether the products we arrange, are right for you.