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Discuss your insurance →
Our Services
Insurance Broking
Aviation Hull
Business Package
Commercial Motor
Construction
General Property
Heavy Fleet
Industrial Special Risks
Machinery Breakdown
Marine Hull
Marine Transit / Cargo
Mobile Plant & Equipment
Property Owners
Strata
Directors & Officers Liability
Management Liability
Aviation Liability
Public & Products Liability
Professional Indemnity
Cyber Liability
Association Liability
Employment Practices
Statutory Liability
IT Liability
Charterers Liability
Environmental Impairment
Product Recall
Umbrella Liability
Mergers & Acquisitions
Business Interruption
Construction Delay in Start-up
Trade Credit
Cyber Business Interruption
Marine Loss of Profits
Surety / Performance Bonds
Workers Compensation
Corporate Travel
Journey Personal Accident
Expat Medical Expenses
Working Director Personal Accident
Specialist Services
At Genoa, we don’t just manage risk, we challenge it. Our approach goes beyond traditional methods, blending sharp insights with innovative strategies to help you navigate the complexities of an unpredictable world.
We work alongside you to uncover hidden vulnerabilities, assess real-world threats, and build solutions that are as unique as your business. From customised insurance programs to proactive risk mitigation plans, we focus on what matters most to you - staying ahead, staying protected, and making confident decisions for the future.
We know cash flow can be a challenge, especially when large insurance premiums come due. That’s why we offer flexible premium funding solutions through trusted third-party providers, allowing you to spread the cost of your insurance over manageable terms.
You don’t need to sacrifice the coverage your business needs just because of upfront costs. Our team works closely with you to find a funding plan that aligns with your financial situation, so you can maintain your operations without disruption.
With competitive rates and transparent terms, we give you the financial freedom to focus on what matters most - running your business.
Contracts can create significant insurance and liability exposures if the allocation of risk is not properly understood or supported by appropriate insurance.
Genoa has extensive experience reviewing and advising on the insurance and risk implications of a wide range of commercial agreements, including lease agreements, contractor and supplier agreements, construction contracts, government supply contracts, labour hire agreements, aviation charter agreements and directors' deeds of indemnity.
We understand how contractual risks can be appropriately allocated between the parties and, importantly, how those risks can be transferred to and supported by insurance. We also explain the rationale behind proposed insurance and risk allocation requirements, helping our clients communicate effectively with their contractual counterparties and achieve practical compliance with their obligations.
OUR SERVICES INCLUDE:
Contract insurance requirements
We prepare and review insurance clauses for construction, supply, consulting and mining contracts, helping ensure the insurance requirements are clear, practical and capable of being satisfied by the parties.
Indemnity and liability review
While we are not lawyers and do not provide legal advice, we review contractual indemnities alongside the insurance requirements to identify situations where a client's contractual liability may exceed the protection available under their insurance program.
In particular, we consider whether:
liability is appropriately limited to matters within our client's responsibility or control;
contractual liability is appropriately capped, where possible;
obligations to indemnify another party extend beyond the client's own negligence or actions; and
responsibility for consequential or indirect loss is appropriately addressed.
Contractor and supplier insurance management
For clients who regularly engage contractors, consultants and suppliers, we assist in establishing practical systems and procedures to ensure those parties maintain appropriate insurance throughout the duration of their engagement. This can include requirements for specific policy provisions such as Principal's Indemnity, Additional Insured status and Waivers of Subrogation, where appropriate.
Certificate of currency reviews
We review certificates of currency and supporting policy documentation provided by contractors and suppliers to help ensure their insurance arrangements comply with the requirements of the relevant contract.
Practical risk allocation
Our objective is not simply to identify contractual insurance requirements, but to ensure that the allocation of risk between the parties is commercially reasonable, clearly understood and supported by appropriate insurance.
When it comes to claims, this is where the rubber hits the road.
Genoa offer a comprehensive claims service across all insurance classes.
We stand in your corner, advocating for your best interests at every step of the process.
We take the stress out of claims by navigating the complexities of insurance companies, ensuring you get the full support and compensation you deserve.
Our team leverages decades of experience to negotiate on your behalf, addressing every detail and overcoming every hurdle.
Whether it’s a minor setback or a major loss, we make sure your claims are handled with precision, urgency, and the determination to secure the best possible outcome.
There are many large and expensive insurance programs that remain untested in terms of their structure, breadth of cover and suitability. Far too often do we hear of organisations that unfortunately only discover their insurance program is deficient, after a loss has occurred.
To prevent this situation from happening, Genoa offers an Insurance Due Diligence service to companies who believe they would benefit from an independent, no obligation review of their insurance program.
We provide a comprehensive report that focusses on the following key areas:
- Identification of fundamental corporate and operational risks of your business.
- Examines how the current insurance program provides protection against these risks and identifies any gaps and/or duplication of coverage that may exist.
- The competitiveness of current premiums, deductibles levels, policy exclusions and endorsements.
- Suitability of the current insurer panel.
- Validation of the appropriateness of the current insurance program and/or recommendations on how we believe the insurance program can be improved.
Whilst Genoa provides a full range of insurance broking services to our clients, where additional or supplementary resources are required, Genoa can access a large network of specialist consultants to enhance our service offering, these include;
Risk Management consultants.
Licenced Insurance Valuers.
Cyber Risk advisory specialists.
Injury Management & Rehabilitation providers.
Loss Adjusters.
Insurance Lawyers.
Pre-Loss & post-loss Business interruption specialists.
Premium Financiers.
Surety I Performance Bond providers.
Kidnap & Ransom/ Emergency Response Coordinators.
Life and Income Protection Advisors.
Risk Surveyor and Engineering Consultants.
Industry Specialisation
At Genoa, we don’t believe in generic solutions, we create insurance programs that are specific to the risks your business faces. Whether you’re in mining, construction, technology, manufacturing, or transport, we understand the unique challenges you have to navigate to prosper.
From property owners and developers to those in aviation, aquaculture, retail, or wholesaling, we focus on what your business needs to thrive and stay secure, and we work relentlessly to ensure you're covered from every angle.
Our client base is highly diverse and includes businesses in the following industries:
Mining / Exploration
Construction
Labour Hire
Recycling
Technology Developers
Commercial / Industrial Property Developers & Owners
Civil Contractors
Professional Consulting / Corporate Advisory Firms
Manufacturing
Retail
Hospitality
Import / Wholesaling
Exporters
Logistics / Transport
Motor Trade
Medical
Art & Design
Aviation
Aquaculture
Strata