ERS Equestrian Insurance

ERS are proud to deliver specialist

"Tailored Equine Industry Risk Solutions"...

for You, Your family and Your business.

Equestrian Risk Solutions is specialist organisation headed by Connie Pullella who has had a lifelong love of horses and has been actively involved in riding, training, competing and breeding over the years.

Connie's understanding of the horse industry and her broad depth of experience in the areas of risk management and personal insurance allows her to identify the key issues facing people who work with horses or in a business servicing the industry.

As a Business Risk Management and Personal Insurance Consultant Connie has identified the inequity in the personal insurance offerings, when it comes to the cost or extent of cover available broadly in the equestrian industry. She says, “many companies levy surcharges or specify exclusions - just because we choose to be involved with horses!”

Equestrian Risk Solutions gives Connie the opportunity to combine her love of horses and over 25 years experience advising businesses on financial matters. She says, “This is truly an exciting time in my career, it is very rewarding to be able assist people in the industry to make informed decisions about the financial security for themselves, their loved ones and the people who depend on them. The unexpected risks are ever present … things like the Equine Influenza outbreak which demonstrated that we cannot predict what will happen tomorrow … everyone in business needs to look at ways to reduce their exposure to risk if they are to be secure, stress free and happy … it is the way our modern world works!”

Equestrian Sites

Equestrian Risk Solutions acknowledges that there is a higher risk of injury when involved with animals – whether that be in work or play! However, we do not believe that the risks warrant such high premium loadings or the limitations in coverage, over and above those which apply to city folk!

Many companies offering cover to anyone who is actively involved in amateur competition, or working in an Equine related field, will be hit directly in the hip pocket by insurers who believe the risk exposure is far and above what is considered to be “standard”. This is where the expertise and product knowledge provided by Equestrian Risk Solutions will enable them to source and provide exactly the right cover and … at the right cost – a win/win situation which would be difficult to structure without a comprehensive understanding of the options and … what the “fine print” means.

Ask for a Complimentary Appraisal from Equestrian Risk Solutions today.

http://www.equirisk.com.au/index.php?option=com_content&view=article&id=1&Itemid=2

Insurance Australia Group

IAG has a portfolio of general insurance businesses with leading and established brands across its home markets of Australia and New Zealand, a growing presence in Asia, and other specialist underwriting operations.

IAG underwrites around $7.8 billion of insurance premiums each year and employs around 13,500 people.

We have been assigned a ‘Very Strong’ Insurer Financial Strength Rating of ‘AA-’ by Standard & Poor’s for our key wholly-owned insurance companies.

Our international footprint % of Gross Written Premium for the year ended 31 December 2010	Our portfolio of products % of Gross Written Premium for the year ended 31 December 2010

Our group strategy

The Group’s strategy is to manage a portfolio of high performing, customer-focused diverse operations that provide general insurance in a manner that delivers superior experiences for stakeholders and creates value for shareholders.

The concept of a portfolio should enable the Group to deliver a more consistent performance, despite owning a group of general insurance businesses operating at different stages in both the economic and the insurance cycle.

Our strategic priorities

In June 2011, the Group reset its strategic priorities to:

• accelerate growth in Australia and New Zealand by stepping up initiatives to drive profitable organic growth, while remaining open to acquisitive opportunities that may arise;
• restore profitability in the UK; and
• boost its Asian footprint so the Asia division delivers 10% of the Group’s gross written premium by 2016. Asia remains a priority region for the Group, and is vital to its medium to long-term growth. IAG is now focused on accelerating its expansion plans beyond the countries in which it has an existing presence, into other target markets, and on delivering on the enormous potential attached to its Indian joint venture which is now up and running.

Read more about our Strategy

Our financial targets

• Top quartile total shareholder return (TSR); and
• ROE greater than 1.5 times the weighted average cost of capital (WACC).

The aim is to achieve these targets through the cycle, given the nature and volatility of insurance. The clear focus is on margin and profitability.

Our major brands and operating model

IAG has a portfolio of end-to-end businesses aligned around customers, brands and markets. We have a devolved model that puts accountability and responsibility close to the end customer.

1. 1. RACV is via a distribution relationship and underwriting joint venture with RACV Limited.
2. 2. RACV has a 30% interest in The Buzz.
3. 3. 49% ownership of the general insurance arm of AmBank Group, AmG Insurance Berhad, trading under the AmAssurance brand.
4. 4. 98% voting rights in Safety Insurance, based in Thailand.
5. 5. 26% ownership of SBI General Insurance Company, a joint venture with the State Bank of India.

Australian operations

IAG’s Australian operations distribute a range of personal and commercial insurance products, both directly to the customer and indirectly through a network of intermediaries. There are three businesses in IAG’s Australian operations: Australia Direct Insurance, the Group’s largest business, distributes products through a network of branches, franchises and country service centres throughout metropolitan, regional and rural Australia, as well as through call centres and online. Products are distributed under the NRMA Insurance brand in NSW, Queensland, ACT and Tasmania; SGIC in South Australia; SGIO in Western Australia; and RACV in Victoria; Australia Intermediated Insurance, known as CGU, sells products nationally, through intermediary channels, including a network of more than 1,000 insurance brokers and authorised representatives, as well as through motor dealerships and financial institutions; and The Buzz, our online insurer. Customers interact with The Buzz online through the entire lifecycle of their insurance policy – from buying their car or home insurance policy, right through to making a claim. Launched in May 2009, The Buzz was created based on direct feedback from customers, making it an online business which was genuinely shaped by the community.

International operations

IAG’s international operations consist of interests in New Zealand, Asia and the UK.

New Zealand

IAG is the leading general insurance provider in New Zealand across both direct and intermediated channels. Insurance products are predominantly sold directly to customers under the State brand and through intermediaries (insurance brokers and authorised representatives) under the NZI brand. Personal lines and commercial products are also distributed under third party brands by IAG’s corporate partners, including large financial institutions.

Asia

IAG has a growing presence in Asia. In Thailand, it owns commercial insurer NZI Thailand and personal insurer Safety Insurance. In Malaysia, IAG has an interest in the general insurance arm of AmAssurance, AmG. In India, IAG has established a general insurance joint venture with the State Bank of India (SBI), known as SBI General Insurance. SBI has over 100 million customers and 11,000 branches across the country and access to an additional 46 million customers and 4,500 branches when including its subsidiaries. In China, IAG has a roadside assistance operation and insurance agent, CAA.

United Kingdom

In the UK, IAG has a specialist motor underwriting operation, Equity Red Star. Equity Red Star commenced operations in 1946 and has grown to become the largest personal lines syndicate at Lloyd’s, providing insurance to business and personal customers. It was acquired by IAG in 2007. The UK business also includes Equity Broking affinity business and specialist commercial broker Barnett & Barnett http://www.iag.com.au/about/index.shtml

Third Party Property Damage Car Insurance

AAMI Third Party Property Damage Car Insurance covers you for damage caused by your car to property owned by a third party in the event of an accident. That means you're covered for any damage you may accidentally cause to someone else's property (up to $20 million).
You may not think your car is worth insuring, but what about the damage it could cause to others? Even just a "little bump" given to another car can cost thousands of dollars to repair. It happens to the most careful and safe drivers. One call to 13 22 44 and we will take care of all the details for you.
In choosing to insure your car with AAMI, you will receive many more benefits than just a competitive price.

Flexible payment options

Uninsured motorist cover

Optional fire and theft coverage

Discount on AAMI comprehensive insurance

Simple claims process

We can keep you mobile

Fast resolution of claims

Lifetime repair guarantee

http://www.aami.com.au/car-insurance/third-party-property-car-insurance