?> Insurance | Mardent Financial Services


Everyone needs insurance. Business insurance, property insurance and life insurance.

We can help you with the right policy for your situation and ensure it's priced competitively to suit your budget. Don't do without insurance because it "costs too much". A good insurance broker or financial planner will make sure you are covered for those unforeseen circumstances.

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Insurance services we offer

For Business

Business interruption is one of the risks business owners may have a tendency to overlook if they think ‘it will never happen to me’.

What if a fire in your café destroyed your kitchen and you had to close for 2 months while repairs were made. Could your business survive? A standard business insurance package policy could cover the cost to repair the kitchen, while business interruption insurance could reimburse you for any lost income while your doors were closed.

Many businesses that incur a major loss are unable to resume trading because they don’t have business interruption insurance to make up for lost income while their business is being restored. Some businesses may remain open for some time but under duress, losing customers and sales due to their inability to provide the same service they had prior to the claim.

Directors and Officers Liability

Directors & Officers Liability Insurance (D&O) is one of the least understood types of insurance, yet one of the most important. Australia is home to some of the world’s largest Directors & Officers Liability Insurance claims, and the breadth of risk exposure for company directors and officers is becoming more complex and there is closer scrutiny from both internal and external stakeholders on general conduct.

Most recently cyber-attacks have become the nemesis of many Directors, with responsibility shifting being being an ‘IT issue’ to being regarded as a critical aspect of corporate governance.

Management Liability Insurance

Risks are inherent in all areas of business. Managers, directors and officers understand that they may on occasion find themselves the subject of a legal claim. Management liability insurance protects the company, the individual directors and its officers who undertake these vital roles within the business, ensuring them against claims that may arise from within or external to the company. Claims that a director or officer believes to have no merit may still need to be defended.

Trade Credit Insurance

Trade Credit insurance protects manufacturers and service providers from the risk of non-payment, covering their losses if a debtor defaults on payment (such as through bankruptcy or insolvency) or settles their invoice significantly beyond the expected payment period. Similarly, buyers sometimes opt for a bankruptcy protection arrangement, which allows them to delay payments for an extended period.

Trade Credit Insurance policies are generally flexible and allow a policyholder to cover all or part of their portfolio. You may also wish to consider the impact of political risk when considering trade credit insurance, especially where there is a perceived risk of non-payment by foreign buyers due to political unrest and/or economic and currency related issues.

Builders Warranty Insurance

Builders Warranty Insurance (also known as Home Warranty Insurance, Domestic Building Insurance or DBI) is a statutory product which is required in most states for builders carrying out domestic building contracts. Insurance requirements vary from state to state.

What it covers

Builders Warranty Insurance protects the homeowner (including subsequent owners) against:

  • Non-completion of the building contract, including loss of deposit;
  • Incomplete or defective building work if the builder becomes insolvent, dies or disappears on the job; and
  • Failure of the builder to correct faults which are the builder’s responsibility by law, such as poor workmanship and the use of inappropriate or unsuitable materials


Life insurance can pay a lump sum should you pass away or receive a terminal diagnosis. It’s a surety for your family and loved ones and serves one purpose: to provide financial security when life events compromise your family or your business’s ability to continue on as you would expect them to.

Essentially, it’s there to help you put the pieces back together when the unexpected happens.

Income Protection

Income protection insurance is designed to protect one of your most important assets – your ability to earn a living. In managing risk, we aim to mitigate and minimise our day to day exposure to occurrences that may lead us away from our chosen path.

Income protection insurance typically pays up to 75% of your income in monthly installments. Policies are very flexible and like all of our specialist insurance products, Our partners will tailor a solution to suit your individual circumstances. You can nominate when the payments commence and the period the benefit will be paid for. Premiums may be tax deductible.

Trauma/Critical Illness

Trauma insurance provides for a lump sum payment upon diagnosis of a broad range of serious medical conditions.

We can help you define and identify the optimum trauma insurance policy for your needs. Like all of our insurance solutions, we tailor the policy with you at the centre. Every person’s needs are different, just as their post-trauma requirements will also be.

Among other things, our insurance partners can provide tailored solutions to a host of threatening health conditions, financial security for when you most need it, and the ability to define how the payout is utilised.


Total permanent disability insurance (TPD) is a lump sum payment that assists clients and their families in the instance that a defined life-changing occurrence takes place.

Our permanent disability insurance solution caters for scenarios including debt elimination, payment of medical expenses and providing your family with a means to finance unforeseen and permanent changes to your lifestyle.

4WD and Campervan Insurance

Our team is made up of experienced brokers who share your passion for the great outdoors. Whether you’re driving across beaches or bushland, our products can get you there and back again. They can cover you anywhere in Australia, too.

Four-wheel drive vehicle

Among standard covers, our 4WD insurance product includes:

  • Agreed or market value for your 4WD vehicle
  • Full off-road coverage
  • Australia wide coverage
  • Legal modifications to your 4×4
  • Outback recovery

Camper trailer, Caravan and camping equipment

As well as covering your 4×4 vehicle, we can cover the essential items you take with you on your journey. We provide specialised insurance services, with risk management as one of our key points of focus. Whether you’re into off-road driving or deep sea diving, we can provide visibility into those sometimes less considered risks.

  • Camper trailers and caravans at agreed or market value
  • Optional contents cover
  • Outback recovery
  • Malicious and accidental damage
  • Theft from open air
  • Fire, storm and associated risks

Motor Vehicle

Our team of partners have put a lot of thought into ensuring we can access the right car insurance options for our clients. Whether it’s a policy for comprehensive, third party fire and theft, or third party property insurance, our goal is to broker the right policy for your motoring needs. Each of our clients is different, we understand that. Talk to us about how we can tailor your cover to your exact needs. Whether you’re into off-road driving or deep sea diving, we can provide visibility into those sometimes less considered risks.

Home and Contents

Your home is your castle and your belongings are your treasures. But what’s a lifetime of belongings and memories worth?

Getting a home and contents insurance policy is essential for protecting your family and your lifestyle, but finding the right insurance solution can take time. The first step is to choose the type of home insurance you need. There are two types:

  1. Total replacement cover. This includes all the costs to rebuild your home to the standard it was prior to a claim. Having total replacement cover reduces your chances of being underinsured.
  2. Sum-insured cover. This is more common and will cover you up to a set amount needed to repair or rebuild your home.

The next step is to determine how much contents insurance you need. Determining the value of your possessions can be a daunting task, but it’s an essential step towards getting the right home and contents insurance. This is where we step in. Our partners can help you to determine the value of your contents and provide a specialist view on certain items that may require a particular level of cover. We can help you:

  • Create an inventory of your furniture, clothing, appliance and jewellery
  • Determine what type of contents policy you need, and if you need cover for accidental events

Every family is different, we understand that. From standard coverage to provide peace of mind on a budget, to specialist services for high net worth clients, we can tailor a solution for you

Public Liability Insurance

No business or industry is without some degree of risk. Managing the risks inherent in your business enhances organisational well-being and represents real security for you, your staff and your business when the unexpected happens.

Public Liability insurance is something we recommend for all businesses that interact with the public, even in small ways. This cover offers protection for you, your staff and members of the public, by covering financial costs involved if a third party seeks compensation for your negligent actions. What does Public Liability Cover?

If you or your staff have been negligent in the workplace and a third party (not an employee) is injured physically or psychologically, had their property damaged or suffered financial loss, they may sue you for money to compensate them for their injury or loss. Negligence may be established if it can be shown that your actions failed to demonstrate reasonable care for others. Of course, the claimant will need to evidence your negligence and their loss, and the claim may not be successful. You will, however, still need to defend against such claims.

Public liability insurance covers you for the financial loss you incur in legal costs and any amount payable in compensation when you are defending a claim of negligence made against you or your staff.

This cover has the capacity to save you and your business thousands of dollars in legal fees and may represent the difference between the success or failure of your organisation.

Product Liability Insurance

Product Liability insurance is usually included in your public liability policy and is essential if you sell, supply or deliver products to members of the public. If your goods are deemed to have caused loss or damage, then the policy comes into effect. Loss or damage can include injuries, death or economic loss caused by damage to, or destruction of another good, land, a building or a fixture. Again, having the correct product liability in place that enables you to manage insurable risks associated with design defects, manufacturing defects, inadequate labelling, or instructions or warnings is essential to the security of your business.

Professional reputation counts

If you provide advice or consultancy services to clients, professional indemnity a critical consideration. It protects you against legal costs and damage claims resulting from alleged malpractice or professional misconduct, and any breach of duty in providing a professional service. We can tailor a Professional Indemnity Insurance solution to meet the specific needs of your business.

There are many moving parts to Professional Indemnity Insurance (PI) – from public relations costs, through to civil liability and claims investigation, to name but a few – and the key is to have the best advice, relevant to your particular situation.

As at end of March 2017, gross incurred claims for Professional Indemnity stood at $1.137bn*. (*Source: Quarterly General Insurance Performance Statistics – APRA)

The cost of not having Professional Indemnity cover

Each state has different requirements for PI cover, with some states applying a mandatory requirement before an operating license is granted. Premiums vary depending on the level of cover required and it is important that you fully understand your risk exposure to ensure the insurance solution you purchase protects your business and your reputation.

Every policy has its own set of exclusions which we would advise all clients to fully understand when they discuss their levels of insurance cover to ensure it meets their specific needs.

Who needs this insurance:

Some of the professional services disciplines where Professional Indemnity cover is relevant:

  • Accountants
  • Architects
  • Engineers
  • Estate agents
  • Financial advisors
  • IT consultants
  • Legal counsel
  • Recruitment companies

This list is not exhaustive and if you are unsure whether you need cover, we would recommend speaking with a member of our team.

What does PI cover?

Amongst others, professional indemnity insurance covers the following:

  • Professional misconduct, including negligent and/or dishonest actions of employees
  • Copyright infringement and breach of the conditions set out in the Trade Practice Act
  • Breach of consumer, competition and fair trading
  • Breach of duty, including privacy infringement, confidentiality and other privacy-related issues
  • Violation of intellectual property rights
  • Defamation, libel or slander – resulting in public relations and reputation management costs
  • Damages or loss of important documents

How we can help

The first step is always to get a deep understanding of the structure of your business, where the key risks exist and identifying gaps in coverage. This includes meeting key stakeholders and understanding their concerns. From there we develop a robust risk management and insurance response to the specific nature of your business and seek the best available cover.

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