Terms & Conditions

Your use of this web site and those of any LMI companies’ websites and their products are expressly conditioned upon the following terms and conditions.


You may print a copy of these Terms of Use for your records at any time by using the print function on your internet browser, or you can access them at any time through the link found at the bottom of the page.

These Terms and Conditions ("Legal Terms") and any seperate "Terms of Use" that you may be asked to agree to describe the terms and conditions applicable to your access and use of this website and any of the products and services within the sites, which are owned, operated and controlled by LMI Group Pty Ltd or its subsidiaries (“LMI Group"). For details of LMI Group subsidiaries, refer to the page titled Member Companies of the LMI Group. LMI Group may, at any time, for any reason and without notice, make changes to:


(i)      this website, including its look, feel, format, and content; and 

(ii)     the products and/or services as described in this website.


Any modifications will take effect when posted to the website. Therefore, each time you access the website, you need to review the Legal Terms upon which access and use of this website is conditional. By your continuing use of the website after changes are posted, you will be deemed to have accepted such changes.

This website is not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the website and its content, including its products and services, are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorised to access or use any of the information on this website. 


LMI Group makes no representation that the information, opinions, advice or other content on the website (collectively, "Content") is appropriate or that the products and services referred to, are available outside Australia. Those who choose to access this website from other locations do so at their own risk and are responsible for compliance with applicable local laws.

Not all of the products & services described on this website may be available in all geographic areas and furthermore you may not be eligible for them. 

The website may provide a general description of certain types of insurance products, coverage and services available through many policies, industry-specific risk management or assessment advice, information, loss statistics, training materials and podcasts.. While the utmost care has been taken in the preparation of the website, it should not be used or relied upon as a substitute for detailed advice or as the basis for a business, financial or insurance decision. Any descriptions of insurance products, coverage and services available through insurance policies are not part of an insurance contract or policy, and do not amend, revise or alter the terms of any policy issued through, or services provided by, the relevant insurer or underwriting agency. Podcasts are made available through the website solely for training purposes.


The views expressed by contributors and advertisers are not necessarily those of the LMI Group, and the user accepts that LMI Group cannot be held responsible for any loss occasioned to any person acting or refraining from action as a result of the material included in this website or reproduced from it.