Acerta product offerings and underwriting appetite
Acerta provides flexible, practical insurance solutions designed to meet the evolving needs of brokers and their clients.
Dear Broker Partners,
Reach out to our team of experienced underwriters for your next submission and experience the difference of working with a boutique insurer committed to strong relationships and long-term partnerships with you and your clients.
Why choose Acerta?
We’re proud to be a local insurer and pleased to share that AM Best has recently affirmed Guild Insurance Limited’s Financial Strength Rating of A- (Excellent) with a stable outlook.
Our product offerings
Our product suite is designed to provide flexible, practical solutions that meet the evolving needs of brokers and their clients. Our offerings include:
- Business packages
- Commercial property owners
- Residential landlords, including Build to Rent
- Professional indemnity
Below is a snapshot of some of the industries and occupations we currently support across our business package and commercial property owners products. If you have clients outside these areas, we encourage you to speak to our underwriting team to discuss further opportunities.
| Product | Industries and occupations |
|---|---|
| Business Packages | Self-Storage Facilities Office Risks: Administrative, legal, accounting, insurance, recruitment, financial broking and similar. Retail: Furniture shops, flooring, health foods, smallgoods, electronics, toys, books, clothing, footwear, supermarkets, stationery, flowers and more. Manufacturing: Metal products, aluminium, machinery, appliances, medical equipment, ceramics, electronics, agricultural machinery and more. Warehousing/Wholesaling: Machinery, plumbing goods, electrical goods, automotive parts, scientific goods, metal goods, solar systems, grocery wholesaling and more. |
| Commercial Property Owners | Allied Health: Dental, GP, specialists, pathology, optometry, physiotherapy, chiropractic, acupuncture, clinical massage, dietitian, podiatry, speech therapy and more. Office Risks: Administrative, legal, accounting, insurance, recruitment, financial broking and similar. Retail: Furniture shops, flooring, health foods, smallgoods, electronics, toys, books, clothing, footwear, supermarkets, stationery, flowers and more. Manufacturing: Metal products, aluminium, machinery, appliances, medical equipment, ceramics, electronics, agricultural machinery and more. Warehousing/Wholesaling: Machinery, plumbing goods, electrical goods, automotive parts, scientific goods, metal goods, solar systems, grocery wholesaling and more. Car Dealerships Self-Storage Facilities Buildings: Mixed commercial/residential. Buildings: 100% residential unit blocks, excluding strata. |
Business package and property product highlights
Our products are backed by flexible underwriting capabilities and optional coverage enhancements, including:
- Capacity up to $30m per location for commercial packages and property owners products
- Reinsurance options available for opportunities above $30m
- Optional rent default cover under commercial property owners
- Optional flood cover
Professional indemnity insurance
Explore our new professional indemnity product suite, which includes an optional extension for public and products liability.
We currently offer tailored wordings for the following professionals:
- Real estate agents
- Accountants
- IT consultants
- Management consultants
- Recruitment consultants
- Education consultants, including RTOs
- Finance and mortgage brokers
- Travel agents
- Multimedia professionals
- Miscellaneous consultants
With our miscellaneous consultants offering, we can consider a broad range of occupations, from business advisors to niche professionals. Please refer to the occupation list on our website for examples of our appetite.
If your client’s occupation isn’t listed, speak with our underwriters to discuss further opportunities.
Professional indemnity product highlights
Some of the key features available under the product include:
- Enhanced wording, broader coverage and a flexible appetite, giving your clients peace of mind and giving you a competitive edge
- Civil liability wording with broad professional services descriptions linked to professional bodies, along with consolidated exclusions
- Difference in Conditions, Difference in Limits and Extended Continuity of Cover are automatically included
- Complimentary one-year run-off period, subject to conditions and not available for accountants
- Automatic cover for referral services, related training and expert witness advice
- Sub-limits including:
- Statutory liability – $250,000
- Claims mitigation costs and preparation costs – $100,000 and $25,000 respectively
- Fidelity – $50,000
- Public relations expenses – $100,000
- Inquiry costs – $500,000
- Plus, much more
- Professional fees – up to $10m in fees, with higher amounts considered
- Professional indemnity capacity up to $10m, with public and products liability limits of $10m and $20m available
Let’s talk about your insurance needs today
To learn more about our products and underwriting appetite, visit acerta.com.au or get in touch with our underwriting team.
Warm regards,
The Acerta Team
Connect with Acerta
Melbourne
171 Collins Street,Melbourne VIC 3000
Sydney
Level 47, 25 Martin Place,Sydney NSW 2000
Insurance issued by Guild Insurance Ltd, ABN 55 004 538 863, AFSL 233791. This information contains general advice only and does not take into account what you currently have, want and need for your personal circumstances. It is important for you to consider these matters and read the policy, Product Disclosure Statement (PDS) or Target Market Determination (TMD) before you make a decision about an insurance product. Subject to underwriting approval. Terms and Conditions apply (including exclusions and limitations). You can get a copy of the Product Disclosure Statements and/or Policy Wordings by calling 1300 223 782