Our Industries

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.

McLardy McShane North Coast understands the unique challenges facing the tourism and hospitality industries and we know how to protect them. From property insurance and business interruption to event cancellation and refrigerated machinery breakdown cover, we can tailor a risk management package that evolves with your business.

Not only can it lead to an expensive lawsuit, but your business’ hard-earned reputation may be damaged as a result. That’s why professional indemnity insurance matters – for help protecting your assets and brand if your advice causes a client to take legal action against you. Professional Indemnity insurance is recommended for anyone who is providing professional services or advice in exchange for a fee – like, graphic designers, IT consultants and more. Regardless of your legal obligation, it’s often a customer requirement that you have this cover in place. As a wide-ranging insurance solution, professional indemnity cover may include anything from accidents to errors and omissions.

Even if you don’t have a physical store, your business is still exposed to risks like cybercrime, fraud or injury to customers from a faulty product. A range of covers can be arranged to suit retailers in all sectors, including beauty, hairdressing, clothing and footwear, department stores, food and liquor, furniture and electronics, plus many more.

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.