Coverages: Management Liability

Management Liability insurance is tailored for private companies, offering protection against claims arising from wrongful management acts, employment practice violations (such as wrongful dismissal or discrimination), internal or external theft, tax audits, and statutory fines and penalties. This comprehensive coverage ensures businesses are safeguarded from various operational risks, promoting stability and continuity.

Coverages: Legal Expenses

Legal Expenses insurance provides coverage for unforeseen legal issues not typically included in standard insurance policies. It encompasses areas such as commercial contract disputes, criminal prosecutions, employment disagreements, property conflicts, data protection matters, statutory license issues, breaches of restrictive covenants by employees, and Australian Taxation Office (ATO) investigations. This insurance offers flexibility with individual quotes or scheme solutions and coverage limits up to $200,000, ensuring businesses are protected against a wide array of legal challenges.

Coverages: Cyber

Keystone's Cyber Liability insurance provides comprehensive coverage against cyber threats, including data breaches, business interruptions, and remediation expenses. The policy encompasses protections such as computer system security failure, cyber business interruption costs, cyber claim defence costs, cyber emergency services, cyber extortion events, data breaches, media claim defence costs, and regulatory investigations. Key benefits include the ability to package with other products, offering individual or scheme-based quotes, and coverage limits up to $500,000.

Coverages: Representations and Warranties

CFC’s Transaction Liability – Seller Protect insurance is designed to shield sellers from financial loss due to warranty breaches after a business sale. It covers legal costs, damages, and defense expenses, offering peace of mind and a cleaner exit. Ideal for individuals or businesses with limited recourse, this policy ensures sellers retain more proceeds and reduces post-transaction risk exposure.

Coverages: Representations and Warranties

CFC’s Transaction Liability – Buyer Protect insurance is designed to provide buyers of small businesses with peace of mind during and after the transaction, providing cover for up to 100% of enterprise value (EV). It covers for financial loss arising from a breach of or inaccuracy in the warranties given by the seller or on their behalf, where there is evidence that the seller had knowledge of the breach.

Coverages: Representations and Warranties

CFC’s Transaction Liability insurance provides vital protection for buyers and sellers during mergers, acquisitions, and other corporate transactions. Covering breaches of warranties, tax liabilities, and contingent risks, it helps reduce deal uncertainty and facilitates smoother negotiations. With tailored solutions for complex deals and expert underwriting support, this policy safeguards financial interests and enhances confidence throughout the transaction process.

Coverages: Intellectual Property

Licensing Agreement Liability insurance from CFC protects businesses entering licensing deals from legal and financial risks arising from breaches or disputes. It covers defense costs, damages, and contractual liabilities linked to intellectual property use. Ideal for licensors and licensees, this policy ensures smoother collaborations by safeguarding against costly litigation and helping maintain strong commercial relationships in competitive, IP-driven industries.

Coverages: Kidnap and Ransom

CFC's Kidnap and Ransom (K&R) insurance provides businesses and their employees with financial protection and peace of mind against kidnapping and related security risks. Key features include 24/7 access to expert response consultants, comprehensive legal and expense coverage, extended personal accident benefits, and customizable endorsements to suit various needs. Additionally, CFC offers a specialist marine K&R product for both commercial and leisure maritime activities.

Coverages: Intellectual Property

CFC's Intellectual Property Private Enterprise (IPPE) insurance is tailored for startups and SMEs, providing comprehensive protection for patents, trademarks, copyrights, and other IP assets. Key features include defense against infringement claims, pursuit of infringers, coverage for invalidation challenges, trademark oppositions, IP title pursuit and disputes, loss of IP rights, and loss of future profits.

Coverages: General Liability

CFC's Casualty Insurance safeguards businesses from financial losses due to claims of bodily injury or property damage. Offering comprehensive coverage across various industries, it provides protection on both primary and excess of loss bases. Key features include personal injury and property damage liability, products liability, errors and omissions (E&O), principals’ indemnity, and coverage for goods in care, custody, or control.