Coach uses 3rd Party translation software to render content in different languages.

Reasonable efforts have been made to verify the reliability of the translation service, however, no automated translation is perfect nor is it intended to replace human translators. LMI Group does not guarantee the accuracy of the translated text. Some pages may not be accurately translated due to the limitations of the translation software.

No warranty of any kind, either expressed or implied, is made as to the accuracy, correctness, or reliability of any translations made from English into any other language.Some pages, including but not limited to dynamic or interactive pages, may not be accurately translated due to the limitations of the translation software.

The official text is the English version of the website. Any discrepancies or differences created in the translation are not binding and have no legal effect for compliance or enforcement purposes.

If any questions arise related to the accuracy of the information contained in the translated website, please refer to the English version of the website which is the official version.

LMI RiskCoach subscribers are able to claim time spent using LMI RiskCoach as CIP credit points under current activity rules. Up to maximum 15 points claimable per annum. Click on this button for details. The CIP certificate can be printed off by clicking on My account next to your user name above the top menu bar and selecting ANZIIF CIP.

LMI RiskCoach subscribers are able to claim time spent using LMI RiskCoach as NIBA CPD points. Click on this button for details. The CPD certificate can be printed off by clicking on My account next to your user name above the top menu bar and selecting NIBA CPD.

LMI RiskCoachis an internet-based risk management and insurance resource consisting of detailed reports and check lists for thousands of industries prepared by and continually updated by specialists. Admission toLMI RiskCoachis via an annual subscription which allows access to a wealth of information on an industry by industry basis.

For each class of insurance, a risk grade known as the LMI Hazard Index is provided as an indication of hazard for that industry. The grading classification used is: 1-30 = Low 31-60 = Medium 61-90 = High 91-100 = Extreme. Uses of the hazard index include: identifying industries which require further examination before coverage is granted; identifying problem areas within an industry type; obtaining an impression of the overall degree of exposure associated with the industry by class. Risk Coach provides comments where appropriate. Comments sometimes accompany the hazard index number. These comments call attention to major areas of loss or factors that may modify loss potential.

To assist insurance brokers and insurance advisers show the need for insurance cover, the first section of Risk Coach provides photographs, and if available, video footage of major losses involving businesses in the selected industry.

Statistics obtained from police, fire authorities, WorkCover and the insurance industry will be provided with regular updates.

This section contains summaries of various claims submitted by contributors or from the LMI claim database which illustrate important insurance and risk related issues for the industry selected.

Significant Exposures is a list of the common hazards for the industry under review that should be considered in evaluating a particular risk within that industry.

The Risk Description provides a summary of what typical Insureds in this classification does. The overview includes a definition of the industry or the parameters used to define the industry in this Guide.

This section walks the user though the operations or methods of production used in the selected industry.

As the name suggests this section lists the materials and equipment likely to be used in this industry

An assessment of the risk posed for each class of insurance is provided in this section, where appropriate.

This section provides a summary of cases with application to the industry classification being reviewed, together with links to the full judgment of any superior court in Australia for each case listed.

This section identifies the likely risks, provides initial analysis and recommended loss control measures.

A listing of insurance providers/policies developed for or suited to this particular industry.

A comprehensive list of endorsements that should be considered for an Insured in the industry category.

The Australian & New Zealand Standard Industrial Classification (ANZSIC) has been produced by the Australian Bureau of Statistics and the New Zealand Department of Statistics for use in the collection and publication of statistics in the two countries. Risk Coach classifies the industries by this code.

Within the broad classification of an industry, a number of subsidiary operations may be involved in the performance or the manufacture of a product. Such processes or products present potential risks that should be taken into consideration.

A glossary of terms specific to the industry category. This will allow those who deal with the Insured (advisers, underwriting and claims/loss adjusting staff) and equally important, those who are underwriting the risk and may be not have direct access to the Insured to understand the terms, chemicals, acronyms used in a particular industry. Often a term has a different meaning in an industry to its every day meaning or the meaning attributed to it by the insurance industry.

This section allows the user to test their knowledge on the various activities, risks and other information associated with the selected industry.

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LMI RiskCoachis designed to fully integrate with bothLMI PolicyCoachandLMI ContinuityCoachto provide a comprehensive solution to the insurance and business communities.

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