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Solving tomorrow’s problems today
OUR VISIONOur plans for the future are based on collaboratingpowerful relationships with our clients.OUR MISSIONWe achieve our vision by being our clients’ trustedadvisors, understanding and meeting our clients’ needs,being innovative and collaborative in finding insuranceand risk solutions, being united in our national approachand supporting our clients’ best interests at all times.OUR VALUESEvery member of the EBM team across Australia supports thecompany’s core principles of expertise, integrity, respect, advocacyand pro activity. It is this united commitment which makes EBMstand above its competitors and keeps bringing our clients back.
“We apply innovative and increasingly technologically basedsolutions to arising issues, and we expend a great deal of time andenergy in looking forward to anticipate emergent problems.”Alan Bishop, Executive ChairmanOur invitation to youEBM Insurance Brokers (EBM) is Australia’s leadingIn the dynamic and complex environment ofSince its foundation in 1975, EBM has earnedOur clients rely on us to be as dynamic as theprivately owned and operated insurance broker. Moreinsurance, EBM provides honest and personalits reputation as a respected industry leaderindustry sectors in which we operate deliveringthan 100,000 Australian companies and individualsrepresentation for our clients, with the simplewith a fundamental approach to insurance thatrelevant up to the minute advice, expert guidancetrust us to negotiate the right insurance cover toobjective of achieving the most appropriatesets us apart from our competitors. We provideand a practical and flexible product range. We tailorsafeguard their valuable assets. Our comprehensiveand cost effective cover. We apply our technicaloutstanding expertise and professional carethe best insurance options for their circumstancesservice includes tailored products designed to meetskill, professional experience and personalthat allows our clients to carry on with theirand adapt the cover as their needs change.the specific requirements of major corporations,commitment to our clients unique requirementsbusinesses and their lives knowing they aresmall business operators and private householdsleaving them free to get on with their business.carefully protected from the risks they may face.If you are searching for the highest quality insuranceservice and advice, we invite you to learn morewho expect reliable protection and peace of mind.EBM is innovative, forward looking and, aboveabout how our business can help protect yours.all, committed to representing its clients andacting in their best interests. We employ someof the most technically experienced operators inthe industry who bring with them an intimateunderstanding of risk, insurance and client needsin each of their respective industry sectors.EBM also has the size and scale, resourcedepth and international networks to providecover for any situation. This is backed by ourunwavering commitment to honest, personalisedservice that always puts our clients first.Alan BishopExecutive Chairman
“Our purpose isn’t to sell you insurance. Rather, we’rehere to help you purchase the right insurance cover orperhaps decide that you don’t need any cover at all.”Steve Sparkes, Managing DirectorNational networkGlobal reachEBM has earned a unique reputation for itsEBM is a founding member of the Asiaknowledge of the Australian business environment,Australasia Alliance, an affiliation of leadingour competitive edge is not about size but isinsurance brokers that provides our clients withfounded on knowledge, experience and reliable,access to professional insurance solutions acrosspersonal service. Put simply, we work closely inSoutheast Asia, China, and the Pacific Islands.partnership with our clients to achieve the best coverat the best possible price. Our clients come first!EBM is also the Australia and New Zealandpartner to the prestigious Global Broker NetworkEBM has offices in capital cities and major regional(GBN). GBN is a leading global insurancecentres around Australia. We are a nationallynetwork enabling access to more than 5,000represented business with international affiliationsinsurance professionals in over 100 countriesthat allow us to meet the needs of any client.As a privately owned and operated company, ourEBM is also a coverholder for a range of insurancestructure enables us to be agile and responsive.solutions offered by Lloyds of London, this meansIn every decision we make, our focus is veryclients have the flexibility to choose to placesharply on the best interests of our clients.their risk with the formidable Lloyds market.Locally, EBM is also a founding member of theNational Insurance Brokers’ Association (NIBA)upholding the highest standards of ethics andEBM OfficesEBM Affliliated Officesprofessional practice in Australia. A number of oursenior executives are Fellows of the Association.
Management StrengthThe EBM team benefits from strong, strategicEBM services clients from all major industryleadership, good governance and a disciplinedsectors and all walks of life, all of whom haveapproach to management. Our board membersspecific needs. They range from multinationalare business and insurance industry leaders with acorporations, listed or public unlisted companiesformidable reputation in Australian industry andto national and State based privately ownedan extensive track record for community service.businesses, industry associations; small businessesand trades, individuals and families.The Board is backed by an Executive ManagementTeam comprising senior employees and shareholdersOur services and products are equally widewho specialise in their various fields. All have beenranging from straight forward policies to highlywith EBM for a substantial period of time in theirspecific cover using a comprehensive range ofcareers and are dedicated to the company’s mission,products from existing insurers and we also designvision and values. They keenly appreciate thatcustomised policies to suit particular situations. Itsatisfied clients are the key to our ongoing success.is an approach that enables us to provide a solutionthat meets the individual needs of each of ourclients without forcing them to compromise withstandard policies or shrink wrapped solutions.
Michael Monaghan - AMDirector since 1984.A recipient of the Order of Australia for services to hospitality, tourism and communityservice, Michael is an investor and hotelier with experience providing leadership to key localand national organisations. He was Federal President of the Australian Hotels Association andhas served as a board member for the Tourism Council of Australia and the Liquor IndustryCouncil among his many tenures. He was also a member of the Board of Commissioners forTourism Western Australia.Terry O’Connor - AM QCDirectors ProfilesDirector since 1986.Formerly a senior partner with Stephen Jacques Stone James (now King & Wood Mallesons)and Member of the Legal Practice Board, Terry received the Order of Australia for services tothe legal profession, higher education, health services and the community. Terry’s extensivecareer includes service as Commissioner of the Australian Football League, Chairman of theAnti Corruption Commission and Chairman of the West Coast Eagles.Dalton GoodingEBM has a strong and impressive Board of Directorsto set our business agenda and strategy as well as ensureEBM has the resources to meet and exceed client needs.Alan Bishop - Executive ChairmanDirector since 1975.Founding principal in 1975 and has over 40 years in the industry. National President of theNational Insurance Brokers Association (NIBA) from 1996 to 1998, Alan served 15 years asa Director and was awarded an Honourary Fellowship. During this period, as well as steeringEBM to become the largest privately owned Australian broker, Alan was involved in directingthe insurance broking industry through some of its most turbulent times such as the HIHcrisis and the introduction of the Financial Services Reform Act (FSRA). He also currentlyserves as Deputy Chairman of the public charity, Teen Challenge Foundation, and is a boardmember of the Churchlands Senior High School Foundation (Inc).Director since 1998.Dalton is a Fellow of the Institute of Chartered Accountants and Managing Partner of Gooding Partners Chartered Accountants, was a former Partner with Ernst & Young and Chairman of the West Coast Eagles. He is also the Chairman of TFS Corporation Ltd, Brierty Ltd,Katana Capital Ltd, St Ives Pty Ltd and a board member of RAC Holdings Pty Ltd, RACInsurance Pty Ltd and a Councillor of RAC.Steve SparkesDirector since 2014.Having commenced his insurance career with a major insurer in 1986 Steve joined EBM as anAccount Manager just 2 years later, taking over a number of accounts from outgoing directorJohn Molineaux. Transitioning over more than 25 years with the company to Executive AccountManager, General Manager and now as Managing Director (Broking). Steve became a shareholderof EBM in 2009 and has since been appointed to EBM’s Executive Management Team.Jeff AdamsWard DedmanDirector since 1987.Served over 40 years in the industry and 29 with EBM until transitioning to ExecutiveConsultant and non-Executive Director in 2014. Over this period Jeff was involved withgrowing the EBM business and as its Managing Director leading EBM to the most enviableposition of Australia’s leading privately owned and operated insurance broker. Jeff is aQualified Practicing Insurance Broker, has achieved an Advanced Diploma of FinancialServices (Insurance Broking) and attained Fellowship of NIBA. He also currently serves asChairman of the Scott Joyce Appeal Fund, a public charity.Director since 2014.Ward has over 20 years experience in the insurance industry having commenced in claims andunderwriting for major insurers in 1994 before joining a broking firm in 1997. In 2007 Wardwas successful in achieving the National NIBA Young Professional of the Year award. Wardcommenced with EBM in 2000 and during this time has transitioned from General Managerto his current role of Managing Director (Operations). Ward has also served as Chairman ofNIBA’s WA Committee. Ward became a shareholder of EBM in 2009 and forms part of thecompanies Executive Management Team.
Industry specialisation: we know your businessEBM is your insurance partner taking on yourWhere insurance cover is needed, we developbusiness priorities and working with you in aclear and comprehensive policies for our clientspersonal, disciplined and collaborative manner.before negotiating the best possible conditionsand premiums from insurance companyOur role is to help identify risk and determineunderwriters. We take a flexible approach, firstthe best way to manage it. In doing so, we applyexamining a variety of policies from a range ofour knowledge and understanding of relevantproviders. If no existing policy is suitable, we willlegislation across all jurisdictions; our awarenesscustomise a policy and negotiate its placementof the latest insurance products available; and ourwith an insurer on our client’s behalf.local, national and international networks to transferclients risks to an appropriate carrier (insurer).We believe the business of Insurance Broking is aboutmore then buying insurance for you, much more.Our process begins with a risk profile review.This detailed assessment allows us to build aIt’s about people, advice, understanding,comprehensive picture of your potential exposure.peace of mind, reliability and trust.It’s about us helping you be successful by eliminatingWe then help determine a strategy to best dealas many risks as possible and ensuring you havewith each risk - either by terminating, transferringpeace of mind in your business and your life.to an insurance company, or retaining the riskunder controlled conditions. In our view, risksIt’s about providing you a partnershipshould only be tolerated by choice and notenvironment so that our values and yours,because of lack of awareness or oversight.our goals and yours, are intertwined.
“Our Construction team is equal to the verybest in Australia, the senior executives bringtogether over 200 years collective experience.”Michael Griggs, National Manager,Construction & MarineTechnical expertiseEBM employs a large team across the country,including some of the most experienced and highlyqualified people in the Australian insurance industry.Our people are the foundation of our success.We encourage them to think strategically andcreatively; to take views on any type of risk andto use their expertise to find the best solutions.We value their ability to innovate, to interpretour clients’ specific requirements and foresee andovercome matters before they become issues.In each of our key industry sectors, EBM employsteams of experienced staff whose job it is to thoroughlyunderstand the risks inherent in that industry. It is theonly way we can properly assess risk for our clients.All of our senior brokers are Qualified PractisingInsurance Brokers with decades of experience inAustralia and international markets. Our senior brokersall hold professional accreditation and undertakethe ongoing training and professional developmentrequired to maintain this qualification. In addition,our brokers have all attained or are working towardstertiary qualifications via either an Advanced Diplomaor Diploma in Financial Services (Insurance Broking).
Corporate Insurance and Risk ManagementEBM Corporate Insurance and Risk Management is aspecialised division offering individualised insurance formining and other major businesses and corporations. TheEBM Corporate team provides clients with professionaladvice and intelligence on risk transfer and retention.Construction and MarineThe Construction & Marine management teamhave arranged insurance for some of Australia’slargest construction and infrastructure projects,and are dedicated solely to the risks associatedwith the construction and marine industries.Workers’ Compensationand Injury ManagementWhen it comes to workers’ compensation insurance ourrole doesn’t end once we’ve arranged your cover. OurInjury Management service will help you and your staffthrough the claims process and get them back to work assoon as possible.Financial PlanningYour financial independence and future quality oflife are vital issues that should not be left to chance.EBM Financial Planning understand this and can helpyou secure your future by providing tailored financialstrategies designed to create and preserve wealth.“Our job is to show you how to identify and definethe risks you or your company face, and to advise youon the most practical ways of dealing with them.”Ward Dedman, Managing Director
Corporate Insuranceand Risk ManagementConstruction and MarineEBM Corporate Insurance and Risk Management is aEBM’s Construction & Marine team caters specificallytechnically specialised group working with large andfor the insurance needs of these industries.diverse corporate clients in Australia and overseas. Thisdepartment develops tailored responses to complexQuality advice is provided by senior, experiencedrisk management issues, involving products, assetshighly qualified and credentialed insurance executives,and people, while providing professional advice on alldedicated solely to the risks associated with thelevels of exposure. The resulting insurance portfoliosconstruction and marine industries for a wide rangeare negotiated with the most appropriate insurersof construction and project types.worldwide and managed by an EBM Corporate teamassigned permanently to each of our company clients.Our construction clients are involved primarilywith commercial, industrial, domestic and civilAs your broker, EBM examines a wide range ofcontracting in all industry sectors including domesticpolicies and products from a vast selection of insuranceconstruction, high rise commercial developments,providers worldwide to determine which may beprocess engineering, hospitals, schools, power stations,right for your needs. If none suit, we will formulateairports, water treatment plants, sewage treatment,a suitable policy and negotiate its placement withroad works, tunnels, bridges, pipelines and mining.insurers on your behalf. Our services include: Risk profiling Risk retention and transfer Insurance premium reduction strategies Client advocacy Claims negotiation and managementOur marine risks practice specialises in clients whoare involved in all industry sectors relating to logisticsincluding ports, terminals, bulk coal, grains, fats, oils,containerised cargo, break bulk and project cargo.EBM manuscript policy wordings providebroad cover at competitive costs.
Workers’ Compensation andInjury ManagementFinancial PlanningEBM’s Injury Management service will guide youEBM Financial Planning is a subsidiary companythrough the complex area of workers’ compensationproviding high quality advice and assistanceclaims. We represent your best interests, helpingin the fields of wealth creation, retirementinjured workers receive the best care and prospects ofplanning, personal and business protection.an early return to work, while ensuring your businesssuffers the least possible disruption and cost. ThisOur qualified Financial Planners will exploreunique service helps reduce claim costs and improvedyour financial goals, understand your needs andreturn to work results benefit employees and theobjectives and create an effective and practicalemployer, which all result in lower premiums.plan tailored to help you achieve them. Wecan also help you protect your income and theOur service includes:financial security of those closest to you. Examine all new claims and provide direction When necessary accompany injuredEBM Financial Planners work with you to:workers to medical reviews Document and build detailedcases to manage disputes Monitor the performance of approvedrehabilitation providers Assist with assessing medical reports Attend case conferences Assist with the review and evaluation Build a profile based on your current financialposition – and where you would like to be Prepare a strategy specific to your circumstances Recommend investments, insurances andother wealth protection measures Implement and review these strategiesin partnership with you as part of ourongoing advice arrangementsof injury management systemsEBM Financial Planning Pty Ltd.Authorised Representative of Financial Wisdom LimitedABN 70 006 646 108 AFSL No. 231138
“Success in our business relies on us knowing our clients’ businesses.So we conduct a Risk Profile Review, examining every area ofyour business to build a comprehensive picture of your business.”Ryan Cameron, WA State ManagerBusiness insuranceLead industries – mining and resources,transport, engineering, construction,building, trades, manufacturing, commercialproperty owners, retailing and more.Niche industriesFishing, viticulture, hospitality, rural, residentmanagers, real estate agents, marine, cosmeticmanufacturers, schools, recruitment, labourhire, equine, associations, residential andcommercial strata plus many more.Individual tradesCleaners, plumbers/gasfitters, painters/ decoratorsand many more. EBM is the preferred broker tomany leading industry associations over lengthyperiods of time showing our commitment to theindustries and understanding of the risks they face.Landlord and Personal insuranceResidential rental buildings and contents, rentdefault and malicious damage by tenants, shortterm residential letting and tenants contents.Personal insurance to suit all needs includingmotor vehicle, home and contents and more.
Business insuranceEBM offers a comprehensive range of policies thatTradesPlusCover – provides cost effective and broadare robust, proven and extremely competitive. Thiscover specifically for tradespeople against publicincludes specialised policies tailored to suit a wideand products liability and general property risks.range of industries, as well as custom designed cover.Real Estate Agents Professional Indemnity –Mining and Resources Liability – specialistis a tailored professional indemnityproducts have been developed for all those involvedpolicy for Real Estate Agents.in mining or resource extraction and relatedactivities from individuals, small explorers to publicResident Managers – tailored professionalcompanys. Based on our extensive experience inindemnity and broadform liability, businessthis challenging capital intensive environment, weand personal assets insurance for Managementcover some of the biggest names in the industryRights owners and operators.for public and products liability risks as well asbusiness interruption, assets, plant/machinerySpecialised industries – our breadth of experienceand employee or subcontractor protection.has resulted in EBM becoming the broker ofchoice in many industries with a range of nicheBuildCover – designed in collaboration withcover options for plant and equipment, personnelbuilder’s, BuildCover provides an effectiverisk and product and public liability protection.solution to assist builders meet their contractworks, liability, warranty and other risks.
Landlord and Personal insuranceRentCoverUltra – designed for permanently letTenantCover – covers tenants’ possessionsinvestment properties this covers most tenantand contents against risks such as fire,related risks such as loss of rent as well as maliciousstorm and theft. Exceptionally well priced,and accidental damage by the tenant. Also coveredTenantCover is offered with realistic securityis the landlord’s legal liability and defined risksrequirements to meet the needs of renters.to contents. Our efficient claims managementensures a five day turnaround for most claims.PersonalCover – this specialist EBM divisionfocuses on insurance for individuals assets asRentCoverPlatinum – incorporates thewell as protecting against their personal liabilitytenant related features of RentCoverUltrarisks. Areas of expertise include motor vehicle,with a defined risks household policy tohome and contents, pleasurecraft, personalcover the landlord’s building and contents.accident, travel and residential strata insurance.This packaged product delivers significantsavings compared with buying separate tenantStudentCover/AccidentCover – incorporating arelated, building and contents policies.range of benefits assisting with the costs of medicaltreatment, disability and ongoing care whenRentCoverShortTerm– protects short termaccidents occur, including StudentCover for studentsaccommodation properties, such as holidaywhich is available to parents or schools as a whole.rentals and corporate leasing, with comprehensivecover for owners that includes compensationfor property loss and damage, lost bookingsand income or business interruption.The information contained in this brochure is general advice and does not take into account your personal circumstances.Please be sure to read the relevant Product Disclosure Statement (PDS) which is available by contacting us.
EBGEA4005-1504021300 INSURE (1300 467 873) F: 1300 365 822 ebm@ebminsurance.com.au www.ebminsurance.com.auNew South Wales Victoria Queensland Western Australia South AustraliaCoverholder at Lloyd’s Global Broker Network Asia Australasia Alliance National Insurance Brokers AssociationElkington Bishop Molineaux Insurance Brokers Pty Ltd AFSLN 246986 ABN 31 009 179 640 Est 1975
Ward Dedman Director since 2014. Ward has over 20 years experience in the insurance industry having commenced in claims and underwriting for major insurers in 1994 before joining a broking firm in 1997. In 2007 Ward was successful in achieving the National NIBA Young Professional of the Year award. Ward
