Ph: 1800 PARMIA
Ph: 1800 727 642
Fax:  (07) 3382 0676
ABN: 35 123 742 370
AFSL: 313256

Suite 7 "Reece House"
94 George Street
Beenleigh Queensland,
Australia 4207

P.O.Box 404
Beenleigh Queensland,
Australia 4207

Parmia is extremely proud to be appointed the preferred Insurance Broker for members of the Institute of Mercantile Agents (IMA) in offering a highly competitive and tailored Professional Indemnity/Public Liability Insurance Facility solution, Broader Material Damage Insurance exclusively available to members, and a host of additional benefits.

Professional Indemnity/Public Liability Insurance Combined

Recent studies have indicated that a majority of your Industry accept standard "off the shelf" policies which in many cases offer cover unrelated to your activities, rather than effecting specifically tailored policies for your activities. Most do not look at the policy coverage offered as cover until they have a claim, meaning that many have no or minimal protection for themselves,the clients they serve, or the Industry they represent. We also discovered that due to the diversity of the activities being undertaken by IMA members, it has been difficult to find one insurer who would address either some, or all, of the activities for which members may be involved.

Other Benefits include but are not limited to:

• Automatically covers the wide range of activities of IMA members including but not limited to Debt Collection; Investigators; Process Servers; and others as declared and agreed upon submission to the Insurer.
• Highly Competitive Premiums
• Additional Policy Coverage at no cost (subject to terms & conditions of the Policy Wording) include Breaches of Trade Practices Act (Misleading & Deceptive Conduct); Defamation; Court Inquiry Costs; Cover arising from actions of Consultants, Sub-Contractors, Agents; Attendance at Inquiries; etc
• Improved Credit Act compliance measures to meet upcoming legislative requirements, including External Dispute Resolution Cover (limit $100,000)
• Each client enjoys there own Individual ProfessionaI Indemnity & Public Liability Policy Limits whilst still taking advantage of the broader cover at lower costs due to the endorsement by IMA
• Range of Additional Benefits being negotiated and finalised

APPLY FOR INSURANCE NOW!!

Should you wish to apply for this Insurance, please click here for an application form and/or contact the team at Parmia on 1800 727642 or

Industrial Special Risks Insurance (Assets and Business Interruption)

Many "Off the Shelf" Beauty Therapist insurance policies automatically presume the coverage that you need, offering insurance protection for many exposures which you may not even need, or leaving out important policy covers for your particular needs.

Our facility is tailored to your specific requirements from one of the broadest Material Damage/Business Interruption Policies available to Aestheticians in the world. In fact, coverage this broad is usually only offered to companies with Asset Values in excess of $20 million dollars, but Parmia has been successful in gaining exclusive rights to offer this to it’s Aesthetic Clients here in Australia.

In the briefest of summaries, whilst most policies specify particular risks which your elect to insure for (eg. Fire, Burglary, Glass) and you are not covered for anything else, this policy
provides protection for all Material Damage risks unless specifically excluded. The advantage is that if an event occurs which is “grey” as to whether cover should be afforded, the onus
is on the insurer to prove why you would not be covered rather than you having to prove to the insurer why you should be covered .

In addition, you are also covered for the following additional risks at no additional cost, all as subject to the terms and conditions of the policy wording:

• Accidental Damage (Limit $100,000)
• Burglary/Theft (Limit $ 50,000)
• Money (Limit $ 5,000)
• Storm - textile blinds and awnings, shade sail, gates fences, signs and retaining walls (Limit $ 25,000)
• Theft in the Open Air (Limit $ 50,000)
• Paintings, curios, works of art, tapestries, Persian & similar rugs (Limit $ 50,000 or 10% of s/insured)
• Costs of temporary protection (Limit $ 25,000)
• Costs of replacing locks, keys and combinations (Limit $ 10,000)
• Cost of demolition, removal, storage and disposal of Debris (Limit $250,000)
• Exploratory costs (Limit $ 25,000)
• Liability to make enquiries (Limit $ 50,000)
• Cost of clearing your blocked drains, downpipes and other property (Limit $ 10,000)
• Personal effects (excluding Money) belonging to your directors and employees ( $5,000 per person & $50,000 in total)
• Property of your welfare, sport and social clubs (Limit $ 2,000)
• Property Insured in the open air caused by wind, rainwater or hail (Limit $ 10,000)
• Property Insured (excluding stock) in transit (Limit $ 25,000)
• Landscaping (Limit $ 10,000)
• Outdoor playing surfaces (Limit $ 10,000)
• Extra cost of reinstatement (Limit $250,000)
• Glass internal external and signage (Replacement Value)

Business Interruption Extensions

• Prevention of access (Limit not exceeding 5% of BI Value subject to a maximum of $1,000,000
• Loss of attraction - drawcard premises (Limit not exceeding 5% of BI Value to a maximum of $1,000,000
• Prevention of Access - general area (Limit $200,000)
• Remote Premises of a Public Utility (Limit not exceeding 5% of BI Value to a maximum of $1,000,000)
• Unspecified Suppliers and Customers (Limit not exceeding 5% of BI Value to a maximum of $250,000)
• Motor Vehicles owned or operated by you (Limit $1,000,000)
• Human infectious or contagious disease (Limit not exceeding 5% of BI Value to a maximum of $200,000)
• Murder or suicide (Limit not exceeding 5% of BI Value subject to a maximum of $250,000)

As you can see, the extent of coverage is substantial and yet the costs involved are generally cheaper than what you would normally pay for far inferior policy coverage.

APPLY FOR INSURANCE NOW!!

Should you require a quotation for broad General Insurance, please Click Here for a proposal form which will give us the information necessary to ensure a policy is drafted specifically to your requirements and/or contact the team at Parmia on 1800 727642 or .

IMA Motor Vehicle Fleet Policy

Parmia is also very pleased to offer a broad Motor Fleet policy at highly competitive costs, with some of the specific benefits being, but not limited to, the following:

Excess-Free Windscreen claims apply;
Hire Costs Following Accident Applies - $100 per day, maximum 14 days;
Hire Following Theft Applies;
Automatic Additions & Deletions Clause - Limit $150,000 (after first 12 months) to ensure automatic coverage of new vehicles;
CGU Claims Management & Risk Radar (see next page)

A summary of policy terms as follows: