As a farm owner, you’re vulnerable to bushfires that can destroy produce, livestock or damage your buildings and other property; machinery breakdown which can cost you time and money; personal illness or a serious accident; or even a claim from a guest injured on your property. Whether you’re a large-scale crop grower or livestock producer or a small family or hobby farm, McLardy McShane Warrnambool can help protect your farm, its produce and livestock – and the people who benefit from it.
Professional advice for all industries
As qualified and experienced general insurance brokers, we at McLardy McShane Warrnambool can arrange cover for all types of businesses in a range of industries. We offer general insurance, while also specialising in farm, crop, and commercial insurance. We take the time to understand your company’s specific risk profile. This means we can provide expert advice on tailoring insurance policies for your business - so you don’t waste valuable time researching and comparing cover options.
Working on the land brings many rewards – but just as many risks.
Construction projects involve multiple stakeholders and are often undertaken on challenging sites.
Construction businesses must often manage changes to scope or orders, poorly written contracts and specifications and complex project management issues. They may need to deal with labour and materials shortages, or theft of tools and materials. Subcontractors and suppliers can provide extra stress for construction firms, as can the rising number of extreme weather events. What’s more, cybercrime is an emerging threat to construction businesses, which often use insecure connections from mobile workplaces, and share files and data with stakeholders outside the business. Whether you’re an owner builder, a contractor or a large construction company, you’ll need a range of insurance covers to safeguard your workers, building and equipment.
Hospitality businesses are a significant economic driver and we know how to protect them.
We understand the unique challenges you face in your hospitality business. From property insurance, to refrigerated machinery breakdown cover, we can tailor a risk management package that evolves with your business. Regulatory changes continue to challenge hospitality businesses, often presenting new risks. Our specific hospitality expertise can minimise your risk exposures and our insurance solutions can be adapted to meet the challenges faced in this fast-paced industry. From small family owned businesses, to larger chains across venues, we can tailor your ideal insurance solution.
Transport and logistics businesses face a broad range of risks depending on the area of operations they specialise in, but a shortage of skilled workers and work health and safety concerns are among the long-standing risks facing all operators.
Newer risks are also emerging driven by operational changes such as the emergence of new technologies in the form of tracking, automation and autonomous vehicles. Population growth and the associated rise in demand, congestion and infrastructure pressures, and environmental concerns linked to climate change, are also redefining the risk landscape for transport and logistics companies.
Whether you operate a large national fleet or are an owner-driver, and whether you store goods or only transport them, you should have a range of insurance covers to protect your workers, safety and commercial risks.
If an accident or unforeseeable incident causes damage or injury to someone (other than your employees), you may be found legally liable to cover the costs.
Public liability insurance can help to protect your business from the financial risk of liability claims – giving you the certainty you need to trade with confidence. No matter how stringent your company is, mistakes can happen. Even if you’re not at fault, you could risk serious financial damage through legal and court costs if a customer decides to sue you. Product liability insurance is designed to help protect your business if you’re sued because a product you sell, assemble or supply has caused harm to a person or property. While public and product liability insurance isn’t mandatory for most businesses, it is recommended for all companies. That’s because the unpredictable nature of accidents makes them hard to prevent – and the costs of being sued can be extraordinarily high.