News & Blog
We welcome Elissa O'Connor who has worked with the IAA team for a long time to our team.
As major sponsors of the Walking Wounded, IAA is proud to report that the Walking Wounded and IAA team headed off to Mt Kilimanjaro in September 2015. This was the final leg of Brian Freeman and the Walking Wounded's Tribute to the Anzac's with the Everest, cross Australia Traverse and most recently the Kokoda track being completed in August 2015. _________________________________________________________________________________________________________________
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Wine Country Insurance can now refer you to Insure Me Now for access to online life Insurance Products. Use the following link: http://www.insuremenow.com.au/CBUTMPRXD/default.aspx
Wine Country Insurance has reviewed insurance needs of local B&B and Guesthouse operators.
It is apparent that the there is a need for a "facility" that provides accurate insurance protection for rural B&B and Guesthouse operators.
While a number of insurer's consider underwriting B&B's, coverage is often restricted.
The biggest obstacles when seeking to procure insurance protection for property insurance is the fact that many properties are not connected to mains or town water. Insurer's frequently consider this a reason for a risk to be "outside the underwriting guidelines" which means they will not insure that kind of risk.
Wine Country Insurance has access to a Lloyd's of London facility which does offer insurance coverage for properties without mains water.
Beyond that the policy wording is based on an ISR form (Industrial Special Risks) and offers accidental damage submlimits. In general this is a broader coverage than named perils and coverage for theft and burglary, customer goods, business interruption and public liability and much more can be included.
What's important is to recognize that property owners need to make their own contribution to fire safety.
For instance provide sufficient access to tank water or dams. In both cases it is imperative that the property owners can secure water supply also in drought conditions if at all possible.
This can be achieved by a number of measures:
Think that even the best insurance protection can only repay you with money. There are many things that money can not replace, so take charge and make a contribution to fire safety.
For more information about the B&B insurance package that is designed for businesses in the Wine Country, provides coverage you need at sharply calculated premiums call us. We will analyze your particular situation and advise you on insurance coverage that suit your needs and situation. Call us before your policy comes up for renewal.