Wholesale
Placement and Specialty Insurance
COMPLEX RISKS
Addressing these risks, demands thorough analysis, strategic planning, and access to a wide range of insurance products and solutions.
SPECIALTY INSURANCE
INDUSTRIES
Complex Risks
Tailored Insurance Solutions: Meeting Your Unique Industry Needs
We recognise that generic, “off-the-shelf” insurance policies often fall short of meeting the specific requirements of a complex industry. Whether it’s inadequate coverage or stringent risk requirements imposed by insurers, we understand the challenges you face. Our industry expertise allows us to cultivate close relationships with specialist insurers who have a keen appetite for certain classes of risks, offering competitive premiums.
Our Commitment to Industry Expertise
With years of experience serving a diverse range of industries and businesses, we’ve honed our expertise in finding tailored insurance solutions for even the most unique risks. We understand the frustration and expense associated with insuring the “unusual.” Our dedicated professionals are here to guide you through the process, offering personalised assistance to navigate the complexities of obtaining suitable coverage.
Our goal is to deliver a satisfactory outcome that meets your specific needs and provides you with the peace of mind you deserve.
Benefits of Choosing A-Cubed Risk Solutions
Our robust connections with specialist insurers grant us access to tailored coverage that aligns with your industry’s distinct needs.
Leveraging our esteemed reputation and industry ties, we secure competitive premiums while maintaining comprehensive coverage.
With experience across diverse industries and businesses, we excel at finding solutions for even the most unique or challenging risks.
Partner with us for peace of mind in safeguarding your assets against unforeseen circumstances.
Specialty Insurance
Unlocking Tailored Protection for Unique Risks
We don’t just offer standard coverage – we specialise in crafting bespoke solutions designed to shield you from the unique risks inherent to your industry or situation.
Unlike standard insurance policies, Specialty insurance is designed to address niche or non-traditional risks that may not be adequately covered by conventional insurance products.
Our specialised offerings may include:
We offer tailored solutions for industries such as aviation, marine, healthcare, technology, construction, and mining, among others. Structuring specialist construction bonds and mining rehabilitation guarantees address the unique risks
and challenges faced by businesses operating in these sectors.
Coverage for risks that fall outside the scope of traditional insurance policies. This may include cyber liability, environmental liability, political risk, trade credit, medical malpractice and product recall insurance
We work closely with clients to develop customised insurance solutions that align with their specific needs, operations, and risk profiles. These solutions may include bespoke coverage, flexible policy terms, and innovative risk management strategies.
With our specialty insurance solutions, you’re not just getting coverage – you’re gaining a trusted partner dedicated to understanding your unique risks and delivering tailored protection that empowers you to thrive in a rapidly evolving world.
We support your business’s profitable growth by going beyond your balance sheet to explore tailored solutions based on your underlying assets.
Industries
We offer an unparalleled blend of industry-specific knowledge, extensive intellectual resources, and international experience to address the full spectrum of risks encountered in a diverse range of
operations.
Construction
Our construction insurance offering stands as your steadfast shield against potential setbacks.
No two construction projects are alike, which is why our insurance service offers tailored solutions to meet the specific needs of each project. Whether you’re overseeing a residential development, a commercial complex, or an infrastructure project, we have the expertise and resources to provide the right coverage for your unique requirements.
Mining
We offer specialised mining insurance solutions and comprehensive protection for mining operations, designed to address the unique risks and challenges faced by mining companies. The complexities of mining project lifecycles require understanding that goes beyond traditional ways of managing risk.
Our service offering encompasses a wide range of coverage options tailored specifically to the mining industry, providing comprehensive protection for both open cast and underground mining operations of all sizes and complexities.
Energy
We offer a range of coverage options designed to protect assets, mitigate liabilities, and ensure business continuity. Our insurance policies provide extensive coverage for property damage, including power plants, substations, transmission lines, and renewable energy installations. Coverage extends to risks such as fire, explosion, natural disasters, equipment breakdown, and sabotage, ensuring that valuable assets are protected against unforeseen events.
With the growing emphasis on renewable energy sources, we offer specialised insurance solutions tailored for renewable energy projects, including Solar, Wind, Hydroelectric, and Battery energy storage systems (BESS).
Our renewable energy insurance provides coverage for project development, construction, operation, and maintenance phases, addressing the unique risks associated with renewable energy projects.
Agriculture
A deep understanding of the unique challenges faced by farmers and agricultural businesses, we offer comprehensive coverage options to protect assets, mitigate risks, and ensure the sustainability of agricultural operations.
Our farm insurance policies provide extensive coverage for property damage, including farm buildings, equipment, machinery, livestock, crops, and stored produce. Coverage extends to risks such as fire, theft, vandalism, natural disasters, and equipment breakdown, ensuring that valuable assets are protected against unforeseen events.
Real Estate
Our real estate insurance services provide comprehensive coverage options to protect property investments against a wide range of risks and liabilities, offering peace of mind and financial security in an unpredictable real estate market.
We tailor solutions to provide extensive coverage for property damage, including residential and commercial buildings, rental properties, and vacant land. Coverage extends to risks such as fire, vandalism, theft, natural disasters, and structural damage, ensuring that valuable assets are protected against unforeseen events.
Liability coverage is customised for the real estate sector, including coverage for third-party bodily injury, property damage, landlord liabilities, and premises liability risks. Our liability insurance helps mitigate the financial impact of legal claims and lawsuits arising from property ownership, management, or rental activities.
Rental Property Insurance for landlords and property managers, coverage includes property damage, liability protection, loss of rental income, and tenant-related risks, providing comprehensive protection for investment properties.
Our builders risk insurance provides coverage for property under construction or renovation. Coverage includes protection against property damage, theft, vandalism, and construction-related risks, ensuring that developers can complete projects on time and within budget.
Healthcare
We specialise in providing tailored medical malpractice insurance solutions designed to safeguard the interests of healthcare professionals, including physicians, surgeons, nurses, dentists, and other allied healthcare providers. With a deep understanding of the unique risks and challenges faced in the healthcare industry, we offer comprehensive coverage options to protect against claims of professional negligence or malpractice.
Our tailored solutions provide coverage for claims alleging professional negligence, errors, or omissions in the delivery of healthcare services. Coverage extends to include legal defence costs, settlements, and judgments arising from malpractice claims, ensuring that healthcare professionals are financially protected against potential liabilities.
Whether you’re a general practitioner, surgeon, obstetrician, or specialist in a particular field, we can help you find the right coverage options to suit your practice and risk profile.
Hospitality
Whether you own or manage hotels, restaurants, resorts, or other hospitality businesses, we understand the unique risks and challenges you face, and we offer a range of coverage options to protect your assets, mitigate liabilities, and ensure business continuity.
Provide extensive coverage for property damage, including buildings, furnishings, equipment, and inventory. Coverage extends to risks such as fire, theft, vandalism, liquor liability, foodborne illness claims, and premises liability risks. Our liability insurance helps mitigate the financial impact of legal claims and lawsuits arising from hospitality operations, ensuring that you are adequately protected against potential liabilities.
In the event of a covered loss that disrupts hospitality operations, our business interruption insurance provides financial compensation for lost revenue, ongoing expenses, and additional costs incurred during the period of interruption. This coverage helps hospitality businesses minimise the financial impact of unforeseen disruptions on cash flow and profitabilit
Fintech
Our solutions are designed to provide fintech companies with the protection, support, and peace of mind they need to innovate and grow in a dynamic and challenging industry.
With a deep understanding of the unique risks and challenges faced by the rapidly evolving fintech industry, we offer a range of coverage options to protect your business, mitigate liabilities, and ensure regulatory compliance.
Fintech companies operate in a highly regulated environment, with constantly evolving compliance requirements and regulatory risks. Our tailored solutions for fines, penalties, legal expenses, and regulatory investigations arising from compliance violations helps fintech companies navigate complex regulatory landscapes and ensure compliance with industry regulations.
Fintech companies are susceptible to fraud, theft, and financial crimes perpetrated by internal or external actors. Our fraud and crime insurance provides coverage for losses resulting from employee dishonesty, theft of funds or securities, social engineering scams, and fraudulent electronic transactions. This coverage helps mitigate financial losses associated with fraudulent activities and safeguard fintech companies’ assets.
Fintech companies are highly vulnerable to cyber threats and data breaches. Cyber liability insurance provides coverage for losses resulting from cyber-attacks, data breaches, ransomware, and other cyber risks. This coverage helps safeguard sensitive customer information, protect your reputation, and mitigate financial losses associated with cyber incidents.
Fintech companies develop and deploy innovative technologies and software solutions that can sometimes lead to errors, bugs, or system failures. Our technology E&O insurance provides coverage for claims alleging negligence, errors, or omissions in the provision of technology services or products.
Directors & Officers (D&O) Insurance provides coverage for claims alleging wrongful acts, mismanagement, or breaches of fiduciary duty by directors and officers. This coverage helps protect executives’ personal assets and defend against legal claims brought against them in their professional capacity.
Transport and Logistics
We specialise in providing comprehensive insurance solutions tailored specifically for the transport industry. Whether you’re involved in shipping, logistics, freight forwarding, or transportation
services, we understand the unique risks and challenges your business face, and we offer a range of coverage options to protect your goods, assets, and operations.
Transporting goods involves inherent risks such as theft, damage, or loss during transit. Tailored coverage for physical loss or damage to cargo while in transit by land, sea, or air.
Coverage options include all-risk coverage, named peril coverage, and specific cargo endorsements tailored to meet your specific needs and cargo types.
If you’re involved in maritime transport or shipping, our marine insurance provides coverage for vessels, hulls, and marine liabilities. Coverage options include hull and
machinery insurance, protection and indemnity (P&I) insurance, charterer’s liability insurance, and marine cargo insurance, ensuring comprehensive protection for your maritime operations.
As a freight carrier or logistics provider, you’re responsible for the safe and timely delivery of goods entrusted to your care. Our freight liability insurance provides coverage for
liabilities arising from loss, damage, or delay in the delivery of goods, including legal defence costs, settlements, and judgments resulting from freight-related claims.
If you operate a fleet of vehicles for transportation purposes, our commercial auto insurance package solution for physical damage to vehicles, liability for bodily injury or property damage to third parties, medical payments for injuries to drivers or passengers, and uninsured/underinsured motorist coverage. This coverage helps protect your vehicles and drivers against financial losses and liabilities associated with accidents or incidents on the road.
Bloodstock Insurance
Thoroughbreds Bloodstock / Equine Risks
Racehorses
We have cover for the following Risks:
Our policies can include cover whilst training and flat racing as we understand that sometimes, during training, there may be injuries which can be excluded on a standard flat racing policy.
We understand that Racehorses can rise and fall in value after any given race and therefore our policies allow you to amend the sum insured at any time.
In the event that your horse insured under this policy has incurred a life-threatening injury, illness or disease, but did not result in death or humane destruction, coverage will renew up to the applicable limit of liability until the first policy anniversary date after the horse reaches the age of 14 or until such time as the injury, illness or disease is no longer life-threatening, whichever is sooner.
In the event of a covered loss, Underwriters will pay the full amount for which your horse is insured under the policy schedule at the time of the loss occurring.
Protects against financial loss resulting from the untimely death of a horse. It covers death due to accident, illness, disease, theft and while in transit, or if a veterinary surgeon must put the horse down on humane grounds because of an accident, sickness or disease.
Financial loss may occur if a horse becomes totally and permanently incapable of being ridden, but its condition does not necessitate destruction for humane reasons.
Cover for the loss of the fetus resulting from permanent disability, rejection of the fetus, stillbirth, or the death of the mare which leads to the death of the unborn foal.
Indemnifies the insured in the event of the Stallion becoming totally and permanently impotent or infertile or incapable of servicing Mares as a result of an accident, injury, illness or disease.
This policy is designed to cover the unexpected veterinary fees that horses may incur due to illness or injury.
Covers damages that a horse owner or lessee is legally liable to pay, happening or occurring away from the premises where the horse is kept, following injury or damage directly caused by ownership of the horse.
A dedicated claims manager that will handle your claim from start to finish.
No excess payable on mortality claims which respond in the event of death either through natural causes or an accident, injury or illness so severe that a Veterinarian performs euthanasia on humane grounds to curtail excessive and ongoing pain and suffering. Standard Coverage also includes Theft and the freedom to transport your horse anywhere within and between Australia and New Zealand. Cover can also be arranged for almost anywhere in the world including transits.
Industry Partners
We offer a free complimentary benchmarking review.
Chat to us about how we can help solve insurance or risk management challenges.