Forefront Portfolio
Insurance Policy

Forefront Portfolio is designed to protect small and medium sized companies in the following areas:

Directors' & Officers' Liability Insurance

• Protects the Directors and officers against claims resulting from management decisions.
• Broad definition of insured persons including executives as well as their spouses, if they are named as co-defendants.
• Automatic cover for new Subsidiaries.
• Insured persons retain the right to defend themselves in the event of any D&O or Outside Directorship Claim.
• Provision of an initial Public offering quotation, Subject to receipt and acceptance of underwriting information.

Employment Practices Insurance

• Protects the company, its Directors, officers and employees from claims brought by current, past or prospective employees.
• Broad coverage for allegations of discrimination, workplace and sexual harassment, work place torts, retaliatory treatment or other wrongful employment decisions.
• Broad definition of “insured” includes the company and its executives and employees.
• Broad definition of employee includes part-time, casual, temporary and seasonal employees, and volunteers.

Employee Theft Insurance

• Protects the company from direct losses resulting from employee theft.
• Comprehensive coverage for employee theft.
• Coverage for investigative costs for covered losses.

Internet Liability Insurance

• Protects the company against traditional publishing related exposures created by the existence of a company website.
• Broad definition of Internet activities.
• Coverage for allegations, such as defamation, libel and slander.

Trustees Liability Insurance

• Protects the company, management and employees involved in the management of the Superannuation Fund and the Funds themselves against losses.
• Broad definition of insured including its trust funds and trustees.
• Broad wrongful acts definition includes allegations of breach of fiduciary duty & errors & omissions.

Outside Directorship Liability Insurance

• Protects the Directors and officers against claims resulting from management decisions at outside entities.
• Automatic OdL coverage for not-for-profit organisations.
• Coverage for for-profit organisations that are not traded Publicly, do not have any USA exposure and are not a financial institution.