It’s a messy business without Liability Insurance

The cleaning services sector is on the rise. With urbanisation and the number of dual-income households steadily increasing, the demand for cleaning businesses is in full swing. A 2017 report by Allied Market Research has predicted the industry’s global Compound Annual Growth Rate (CAGR) of over 6% (which is approximately $74,299 million) by 2022. Compared at a geographical level, the region with the highest predicted CAGR is Asia Pacific, with an increase of 7% between 2016 to 2022.

The assumed growth of the market generally means potential for business expansion, and many might use this as the opportune time to act, especially with statistical support. Of course, growth also suggests the need for more human resources. The more employees or contractors your client hires, the more people will be exposed to a variety of risks each time they set out on a job. And it’s not just the cleaners that are potentially at stake, but the customer’s property and the people in it too.

Ryno Underwriting offers tailored solutions for a wide range of domestic, commercial, and industrial cleaners. In a high-risk industry, we understand that your client’s business will have a specific set of concerns that will require comprehensive insurance coverage. Some of the key benefits we can arrange include:

  • Sub-contractors liability extension
  • Loss of keys extension (with limits up to $50,000)
  • Principal Indemnities

Get in touch one of our experienced underwriters today or obtain a quote online.

Suzie O’Hagan
Underwriting Manager
p: 1300 650 670
e: suzieo@rynouw.com.au

Trisha Urquhart
Senior Underwriter
p: 1300 650 670
e: trisha@rynouw.com.au

Help your clients monetise their home!

The festive season is just around the corner! If your clients are planning to go on a short-term vacation or venture out on an around-the-world trip, then this is the perfect opportunity for them to monetise their unoccupied home if they haven’t done so already! Listing properties on platforms like Airbnb is becoming a norm and has many benefits. Your clients could be earning an extra income while providing someone else with an affordable short-term accommodation; it’s a win-win situation for both!

So, don’t let the risks involved hold your clients back from this opportunity. Ryno Underwriting’s tailored Accommodation Liability cover can help protect your clients’ home, so they earn that extra income and enjoy their holiday without that niggly feeling.

Ryno offers Budget Accommodation Liability cover including these automatic benefits:

  • Care, custody and control up to $250,000
  • Inn Keepers’ Liability up to $100,00
  • Errors and Omissions up to $250,000
  • Limits up to $20M, competitive premiums and deductibles

If you have a client who is ready to take on this opportunity, we’ll work closely with you to provide them with a solution that fits. Speak with our team of experienced Underwriters today for a quote. Alternatively, follow this link to our Broker Login where you can register your profile and lodge a quote online.

Nathan Sommer
National Product Manager
p: 1300 650 670
e: nathans@rynouw.com.au

Trisha Urquhart
Senior Underwriter
p: 1300 650 670
e: trisha@rynouw.com.au

Is your client’s income protected?

It’s easy to overlook one’s personal wellbeing amidst the hustle and bustle of work and everyday life. For many of us, taking some time off is not even an option. While many are confident that a prolonged time off work won’t ever be necessary, will your clients be able to make ends meet if they couldn’t work due to a major health reason or accident?

With their best interest in mind, Ryno Underwriting offers a customisable Individual Personal Accident & Sickness policy that provides your client with compensation of up to 85% of their income.

Other benefits available under this policy include:

  • Age acceptance of up to 75 years
  • Compensation for up to 85% of your insured’s income
  • Worldwide Cover
  • Lump sum payments for Death or Permanent Total Disablement
  • Broken Bones cover available
  • Optional Additional Benefits: Business Expenses Benefit
  • Monthly Instalments available

We’ll work closely with you to provide your client with a solution that fits. Speak with our team of experienced underwriters today for a quote! Alternatively, follow the link below for quick access to our Personal Accident & Sickness proposal form.

Nathan Sommer
National Product Manager
p: 1300 650 670
e: nathans@rynouw.com.au

Trisha Urquhart
Senior Underwriter
p: 1300 650 670
e: trisha@rynouw.com.au

Ryno has a new website!

We wanted to check-in just to make sure you are up-to-date on the latest Ryno Underwriting news.

Following the launch of our new brand, this is a friendly reminder that our website has been changed to a new address.

You can now head over to www.rynouw.com.au for all your client’s Liability, Property, and Personal Accident & Sickness insurance needs.

Alternatively, follow the link below to be directed to the new site, or speak to one of our underwriters if you have further questions! 

Almost every business has a need for General Liability insurance, so it is important for your clients to know how they’re being covered. If their policy is about to expire, why not consider Ryno Underwriting and benefit from our expertise in the industry?

Nathan Sommer
National Product Manager
Phone: 1300 650 670
Email: nathans@rynouw.com.au

Trisha Urquhart
Senior Underwriter
Phone: 1300 650 670
Email: trisha@rynouw.com.au

Protect Your Client’s Business With General Liability

Almost every business has a need for General Liability insurance, so it is important for your clients to know how they’re being covered. If their policy is about to expire, why not consider Ryno Underwriting and benefit from our expertise in the industry?

With special access to the Lloyd’s market for all your client’s liability needs, Ryno offers tailored policies and years of hands-on experience that will give your client that peace of mind to focus on other aspects of their business.

Some of the risks considered include the following and more:

  • Manufacturing
  • Engineering
  • Property Owners
  • Scaffolders
  • Trades Occupations
  • Transport Operators
  • Wholesale & Warehousing

Our team of expert underwriters can assist in arranging General Liability cover for your client. Get in touch with us today!

Nathan Sommer
National Product Manager
Phone: 1300 650 670
Email: nathans@rynouw.com.au

Trisha Urquhart
Senior Underwriter
Phone: 1300 650 670
Email: trisha@rynouw.com.au

Important Updates

We are excited to announce that the future rights to the RYNO Motor portfolio have been acquired by Dawes Underwriting Australia Pty Ltd trading as Dawes Motor Insurance (ABN 18 050 289 506, AR No. 342982) (‘Dawes’) effective from 1st October 2019

Dawes is a well-established specialist motor underwriting agency. By transferring our motor portfolio’s future rights to Dawes, we believe that Dawes will continue to provide our broker network with market-leading motor insurance products.

Dawes’ motor insurance products are underwritten by Allianz Australia Insurance Limited (ABN 15 000 122 850, AFSL 234708) (‘Allianz’). Allianz is an authorised Australian insurer, regulated by the Australian Prudential Regulation Authority and one of Australia’s largest insurers.

So what does this mean?

New business
Effective from 1st October 2019, RYNO will no longer provide new business quotes for Motor.  Please refer these directly to Dawes Motor Insurance by either emailing insure@dawes.com.au or placing a quote through their Xccelerate system.

Renewals
We will be ceasing to offer renewal terms for policies with inception dates from 1st October 2019. Dawes will offer to arrange and issue a new policy underwritten by Allianz to customers meeting Allianz’s eligibility criteria. Dawes will provide terms directly to your brokerage.

Endorsements and Cancellations
All endorsements and cancellations need to be referred to and managed by RYNO for existing clients and these will continue to be handled in a normal manner until the policy expiry date.

Please feel free to contact Debbie Jacks with any enquiries that you may have at:
Phone: 1300 650 670
Email: debbiej@rynoinsurance.com.au

As RYNO Motor moves into a new chapter, I would personally like to thank you all for your support. I know going forward, Dawes will continue to provide you with specialist motor products for your clients.

RYNO will continue to offer our specialist Liability, Property, and Accident & Sickness Products (underwritten by certain Underwriters at Lloyd’s) to our Broker network. If you have any queries on these products, please feel free to contact Nathan Sommer on 1300 650 670.

Kind regards,

Greg Rynenberg
Managing Director
East West Group of Companies

Behind the scenes of running an event

You may have clients who thrive on organising events or markets, whether it be a one-off or an annual affair. There are so many things that could go wrong behind the scenes so it’s important for them to be appropriately covered.

People at the event need to be protected, both those attending the event and those helping to run the event. Public liability insurance can help cover your client if anyone is injured while enjoying the event.

  • Is your client running a market? It’s important to check that the stall holders have their own Liability cover. Our Events and Markets Liability cover can extend to provide cover for the stall holders including their Products Liability.
  • Is your client hiring a venue for their wedding ceremony or reception? We can provide cover for venue hire and the event.
  • Is your client covered for bump in and bump out of their event? With cover options starting from 3-day cover, we can help with small one-off events.

Get in touch with us to discuss your clients’ event or market and we will tailor liability insurance cover for their specific situation. We offer limits of up to $20 million and excesses as low as $250.

Nathan Sommer
National Product Manager
p: 1300 650 670
e: nathans@rynoinsurance.com.au

Trisha Urquhart
Senior Underwriter
p: 1300 650 670
e: trisha@rynoinsurance.com.au

Protecting those who need the most, the self-employed

If you have self-employed clients, then it’ll be no surprise that they are some of the most hardworking people; getting to where they are now is no walk in the park. Amidst their great effort to build and protect their businesses, they often forget to protect the most important asset, themselves.

What happens when a self-employed client gets injured? Imagine the negative impact it will have on their business and maintaining their current lifestyle will be very difficult. On top of that, if your client has a family to support, then the negative impact will magnify!

So, despite the benefits of being self-employed, there are also many risks. Therefore, risk protection is essential for your self-employed clients. Help your client protect themselves. Ryno Insurance offers Personal Accident & Sickness policy, which has been designed for self-employed Australians.

Some of the many benefits that will be available under this policy are:

  • Cover for 24 hours a day, 7 days a week or Working Hours Only cover
  • Age acceptance of up to 75 years
  • Compensation for up to 85% of your insured’s income
  • Worldwide Cover
  • Lump-sum payments for Death or Permanent Total Disablement
  • Broken Bones cover available
  • Optional Additional Benefits: Business Expenses Benefit
  • Monthly Instalments available

Are your clients’ bikes road ready?

If your client is an avid classic bike enthusiast, then there’s no doubt they may have one, if not a few, bikes in their garage. With vintage and classic motorbikes, it is important that the type of insurance is carefully considered and suitable for your client’s ride.

Unlike covers for an everyday bike, insurance for vintage and classic motorbikes isn’t one-size-fits-all. Their build is different from its contemporaries and requires specialised insurance that matches your client’s bike make and usage for it to be effective.

To ensure the appropriate level of cover for your client, insurance for vintage and classic bikes should include these benefits:

  • Agreed value
  • Riding gear cover
  • Choice of repairer
  • Legal liability
  • Cover for accidental or malicious damage, and damages caused by fire, storm, cyclone, and flood.

Ryno Insurance offers a policy with a range of benefits, including the ones above. Our team of expert underwriters can assist in arranging a suitable motorcycle cover for your client.

Does your client’s pickup need a wingman?

It takes a special kind of insurance to protect your client’s pickup truck. Whether it’s for investment purposes or going for a cruise on the weekends, keeping it in tip-top condition is your client’s number one priority.

The team at Ryno are experienced in looking after pickup trucks. We understand that your client wouldn’t want just anyone to manage the repairs in the event of an accident. Also, a general, off-the-shelf truck insurance may not offer the same specialised cover for your client’s classic.

At Ryno, we are able to arrange a policy that is tailored to suit your client’s needs. Some of the benefits your client will get to enjoy are:

  • Agreed value
  • Choice of repairer
  • Lifetime guarantee for repairs
  • Excess free glass claims
  • Hire car following accident or theft*
  • Salvage rights on vehicles retained over 25 years**
  • Flexible coverage options
  • Pay premium by instalments

If you have further questions or would like to speak to someone about tailoring a cover for your client, please contact Debbie today!