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McLardy McShane North Coast
Professional insurance advice for all industries
As qualified and experienced general insurance brokers, McLardy McShane North Coast can arrange cover for all types of businesses across a wide range of industries. We take the time to understand your company’s specific risk profile. This means we can provide expert advice and tailored insurance solutions for your business - so you don’t waste valuable time researching and comparing cover options.
- Business Insurance
- Construction & Trades
- Professional Indemnity
- Public & Products Liability
Business Insurance - A business takes years to build – but an accident or disaster could destroy it all in minutes.
That’s why businesses should help protect themselves with a quality business insurance pack. With the right cover in place, owners can run their business with confidence, knowing that their premises, stock, equipment and reputation are protected by insurance.
Business owners can benefit from taking out an affordable and comprehensive business insurance pack to help protect them against the main risks involved in running a business. Being part of the McLardy McShane Group gives us access to provide you with leading business expertise and insurance solutions at a competitive price.
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.
The Tourism and Hospitality industries are a significant economic driver for us here locally, around NSW and nationwide.
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.
Anyone can make a mistake – but if your business is found liable for negligence, the costs can be financially devastating.
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.
Whether you run a small café or a large restaurant; a corner store or a nation- wide chain, you’ll be exposed to risk.
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.
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.