Terms

Coverage Register classifies the lines of cover on an insurance schedule against a published dictionary and computes, from the figures pasted, what each line retains and transfers, its rate on line and its loss ratio, then names findings and questions. It is arithmetic on your own numbers and a list of questions for your broker. It is not insurance advice, a recommendation to hold, change or drop any cover, a valuation, an actuarial opinion or a legal opinion. Your broker, insurer and advisers decide what cover your business holds.

Subscriptions renew monthly and can be cancelled at any time from the billing portal; access continues to the end of the paid period. Refunds are given on request within 30 days of any charge. We may change prices with 30 days notice to existing subscribers.

The clause text and evidence guidance behind the findings are our own wording and may be used within your organisation for your own risk and insurance work. They may not be resold or republished. The dictionary of lines of cover and the industry table are ours.

The service is provided as is. Our liability is limited to the fees you paid in the three months before a claim.

Accuracy. Each requirement and rule shown here is our own plain-language statement of the source it cites, not the official text. We work to keep it accurate and current, but frameworks and laws change and a summary can miss detail: check every line against the official text and take professional advice before you rely on it for an audit, a contract or a regulatory decision.

Trademarks and copyright. The names of the frameworks, standards and laws cited here, including ISO 31000:2018, ISO 22301:2019, COSO ERM 2017, APRA CPS 230, Lloyd's cyber underwriting requirements and NAIC Insurance Data Security Model Law, are used only to identify the source each line cites. They and any trademarks in them belong to their owners, including ISO, COSO, APRA, Lloyd’s and the NAIC. The standards and laws are not reproduced here; the official texts remain with their owners and publishers. The wording, evidence lists and links on this site are copyright The Art of Service Pty Ltd.

Australian Consumer Law and liability. Nothing in these terms excludes, restricts or modifies any guarantee, right or remedy you have under the Australian Consumer Law (Competition and Consumer Act 2010 (Cth), Schedule 2) that cannot lawfully be excluded, including the consumer guarantees for services. Subject to that, the site is provided as is and, to the extent the law allows, we are not liable for a decision taken on the strength of it. Where our liability for a failure to comply with a consumer guarantee can lawfully be limited, it is limited to supplying the service again or refunding what you paid for it.

Governing law. These terms are governed by the law of Queensland, Australia.

Operated by The Art of Service Pty Ltd, GPO Box 2673, Brisbane QLD 4001, Australia. support@theartofservice.com