These Website Terms of use govern your access, use or browsing of the SPHERE INSURANCE GROUP website. You agree that by accessing and using this website you accept all risk and agree to the Website Terms of Use and all applicable laws. The Website Terms of use may be amended or updated at any time by posting any changes at this Website. We may make changes to the Website or the Terms of Use without providing notice to you.


This Website and all material provided on this Website are owned or licensed by SPHERE INSURANCE GROUP (SIG). The appearance of the Website including (without limitation) all graphical elements, audio effects, visual features, color combinations and layout is owned by SPHERE INSURANCE GROUP. Except where necessary for viewing the material on this Website on your browser, or as permitted under the Copyright Act 1968 or other applicable laws or these Terms of Use, nothing on this Website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the prior written consent of SPHERE INSURANCE GROUP.

Various trademarks or other intellectual property displayed on this Website may be owned by SPHERE INSURANCE GROUP. Other product and company SPHERE INSURANCE Groups mentioned on this Website may be the trademarks or intellectual property of other people or entities reproduced on this Website by permission of the owners to SPHERE INSURANCE GROUP.

These trademarks should not be used or reproduced by you or another party without the permission of the relevant owners. If you believe you own the copyright in any work and that work is displayed on this Website without your permission, please contact us and the matter will be investigated.

This Website and its contents are provided to you on “as is” basis. The information contained on this Website is provided in good faith by SPHERE INSURANCE GROUP. To the best of SPHERE INSURANCE GROUP’s knowledge and belief, the information is accurate and current at the time of publication. The Website may contain errors, faults and other inaccuracies. The Website contents may be incomplete. SPHERE INSURANCE GROUP and its related bodies corporate, and their directors, officers, employees, or agents (Associates) make no representations or warranties of any kind (express or implied) as to the operation of this Website or the information, content, materials or products included on this Website, except as otherwise provided, and then only to the minimum extent required, under any applicable laws.

You must not use this Website or the content of the Website in any manner or for any purpose which is unlawful or in any manner which violates any right of SPHERE INSURANCE GROUP or an Associate or any owner of trade marks or intellectual property rights.
SPHERE INSURANCE GROUP may make any changes or updates to this Website as it sees fit from time to time. Access to this Website may be restricted during this time.

SPHERE INSURANCE GROUP (including the Associates) does not exclude any rights and remedies available to you in terms of the Australian Consumer Law or any similar State or Territory legislation in relation to the provision by us of any goods or services via the Website which cannot be excluded, restricted or modified. Otherwise we exclude all conditions and warranties which may be implied by law.
To the extent permitted by law, our liability for breach of any implied warranty or condition which cannot be excluded is restricted, at our option, to:

  1. in the case of services supplied or offered by us:
  2. the re-supply of those services; or
  3. the payment of the cost of having those services re-supplied; and
  4. in the case of goods supplied or offered by us:
  5. the replacement of the goods or the supply of equivalent goods; or
  6. the repair of the goods;
  7. the payment of the cost of having the goods replaced; or
  8. the payment of the cost of having the goods repaired

You agree that in no circumstances will we be liable to you for any indirect, incidental, special and/or consequential losses or damages or loss of profits of whatever nature howsoever arising, including from:

  1. the use of or access to, or any inability to use or access, the Website or any material on the Website;
  2. unauthorised access to or alterations of your transmissions or data; or
  3. statements or conduct of any third party on the Website.
  4. any goods purchased through this Website.

The transmission of information over the internet is not completely secure or error free. In particular, emails to or from SPHERE INSURANCE GROUP may not be secure. You should use discretion in deciding what information you send to us using these means.
Emails to or from SPHERE INSURANCE GROUP may undergo email filtering and virus scanning, including by third party contractors. SPHERE INSURANCE GROUP does not warrant that such filters and scans will be effective in removing viruses or other potentially harmful code.

You may have an account and password associated with your access to this Website. You are responsible for maintaining the confidentiality of your password and account information and are fully responsible for all conduct carried out under this password and account. SPHERE INSURANCE GROUP is not liable for any loss of confidentiality or for any damages arising from your failure to comply with these security measures. SPHERE INSURANCE GROUP requests that you promptly report to it any unauthorized use of your password or account.

All care is taken to ensure that this Website is free from viruses. SPHERE INSURANCE GROUP cannot guarantee that any file or program available for download and/or execution from or via this Website is free from viruses or other conditions which could damage or interfere with data, hardware or software with which it might be used. It is your responsibility to scan any such data for viruses. You assume all risk of use of all programs and files on this Website, and you release SPHERE INSURANCE GROUP entirely of all responsibility for any consequences of its use.

Cookies are small pieces of information that your browser stores on your computer hard drive. We use cookies or web beacons to provide information on your usage of this Website. This information is intended to assist us to improve and develop the products and services we offer to you and our customers. Our cookies or web beacons do not contain any personal identifiable information. You may elect to disable cookies on your web browser. If you disable cookies you may not be able to experience all features of this Website.

This Website may contain links to third party sites. SPHERE INSURANCE GROUP is not responsible for the condition or content of those sites as they are not under our control. You access those sites and/or use the other site’s products and services solely at your own risk. The links are provided solely for your convenience and do not indicate, expressly or implicitly, an endorsement by SPHERE INSURANCE GROUP of the other sites or the products or services provided on the site. SPHERE INSURANCE GROUP does not permit any linkages to this Website without prior permission.

The information contained on this Website is for general information purposes only. You must not rely on any statement contained in this web site without taking specialist advice. While we endeavor to ensure the accuracy and completeness of the information contained on this Website, we make no warranties and accept no responsibility for any loss or damage you may suffer as a result or your reliance on any part of it.

In particular, we make no representations or warranties and exclude all liability:

  1. in relation to any of the material of this web site (including any as to the quality, accuracy, completeness or fitness for any particular purpose of such material);
  2. in relation to any material of any other web site referred to or accessed by a hyperlink through this web site (‘Third Party Web Site’). We do not endorse or approve the material of any Third Party Web Site, nor will we have any liability in connection with any of Third Party Web Site howsoever arising; or
  3. that this web site or any of its material is virus free. You should take your own precautions in this respect and we accept no responsibility for any harmful code that may be introduced into your system by using this web site.

If you wish to establish a link to this Website you must first obtain our prior written approval. Please use the Contact Us link at the top of the page and provide the following information:

  1. the URL of the web site that you seek to establish a link from
  2. a brief description of your web site
  3. the reason that you wish to establish a link.

If we agree to your proposed link, you must comply with any terms and conditions we may impose as a condition of such agreement.  If the nature and/or content of your website changes in any significant way, you must contact us by email and provide a new description of your website and seek permission prior to changing your website.

All applications for insurance or other products made via this web site are to and must comply with our approval criteria. These applications are governed by the normal terms and conditions applying to each product or service requested.

The insurance estimate service is offered by SPHERE INSURANCE GROUP solely to assist you to purchase or decide to purchase insurance from us. You are not authorized to use high-volume, automated or systematic processes to obtain premium estimates. You agree not to compile, repackage or disseminate for commercial purposes any information provided by use of the insurance estimate service without our prior written consent. We reserve the right to terminate your access to these services in our sole discretion, including for submitting excessive requests for these services.

This Website may contain or make available various tools, calculation devices, software programs or other features which assist you in calculating the optimal insurance premium or level of excess for you or applicable insurance cover. This Website may also contain helpful hints or other information.

We have undertaken reasonable steps to ensure that any such features or information is accurate and free from defect, to the extent permitted by law, which law cannot be excluded, we do not warrant the accuracy, adequacy, correctness or completeness of these features or calculators. These features are provided on an “as is” or estimated basis. The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.

You will indemnify us if we suffer any loss or damage or incur any costs in connection with your breach of these Terms or any other legal obligation by you or your use of or conduct on the Website.

Publication of electronic addresses on the Website is for the purpose of professional communication only and must not be used to infer consent to the receipt of unsolicited commercial electronic messages or viruses. The sending of unsolicited commercial electronic messages to SPHERE INSURANCE GROUP or the infection of a virus in SPHERE INSURANCE GROUP’s systems by accessing this Website is regarded by us as abuse of email facilities and interferes with the rights of SPHERE INSURANCE GROUP to carry out its activities free from harassment. SPHERE INSURANCE GROUP reserves its right to take any appropriate action it deems necessary (which may involve legal action or provision of information to law enforcement agencies).
These Terms of Use are governed by the laws in force in Queensland, Australia. In relation to your use or access to this Website, you irrevocably and unconditionally submit to the non-exclusive jurisdiction of the Courts of Queensland, Australia and any Courts which may hear appeals from those Courts. This Website may be accessed from Australia or overseas.

SPHERE INSURANCE GROUP makes no representations that the content of this Website complies with the laws (including intellectual property laws) of any country outside Australia. If you access this Website from outside Australia, you do so at your own risk and are responsible for complying with the laws in the place where you access the Website. By accessing, browsing, using, registering or contributing to this Website and any other area of our Website where you can post submissions or reviews or ask questions you confirm that you have read, understood and agree to these terms of Use in its entirety. If you do not agree to these Terms of Use in its entirety, you must not use or access this Website.

Other than personal data which is subject to our Privacy Policy Statement any disclosure, comments, blogs, feedback, suggestions, questions, ideas, artwork, images, product or marketing ideas and any other submissions disclosed, submitted or offered to SPHERE INSURANCE GROUP on or through the Website or otherwise disclosed, submitted or offered by you (Submissions) shall become and remain the property of SPHERE INSURANCE GROUP once submitted by you. You must comply with the content standards set out in these Terms of Use. You warrant that you own or have the right to use any Submissions and that your Submissions will comply with these standards and guidelines.

These Terms of Use also govern any Submissions you make on any SPHERE INSURANCE GROUP related third party site or page including (without limitation) our LinkedIn, Facebook, Twitter, YouTube or other social networking site. All comments, images, videos and any other type of material posted on any third party social networking sites do not necessarily reflect the opinions or ideas of SPHERE INSURANCE GROUP or the Associates. SPHERE INSURANCE GROUP and its Associates are not responsible for any content on these third party sites. In any event, all material posted on any third party social networking sites must comply with these terms and the third party social networking sites terms of use, as applicable.
Any Submission or offer of any Submission and your agreement to these Terms of Use shall constitute an assignment to SPHERE INSURANCE GROUP of any intellectual property rights. Whenever you make use of a feature that allows you to upload material to our Website, including questions, or to make contact with other users of our Website or to make Submissions on any third party site or page, you must comply with the content standards set out below and these terms. Any third-party advertising on this Website or on SPHERE INSURANCE GROUP pages on third party social networking sites are not endorsed by or the responsibility of SPHERE INSURANCE GROUP. All rights, including copyright on this Website and SPHERE INSURANCE GROUP pages are owned by or licensed to SPHERE INSURANCE GROUP. Any use of any SPHERE INSURANCE GROUP social networking pages or their contents, including copying or storing them in whole or in part, other than for your own personal, non-commercial use is prohibited without the permission of SPHERE INSURANCE GROUP. All worldwide rights reserved.

Any material you upload to our Website will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any material in the Submissions for any purpose. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our Website or any third party social networking site constitutes a violation of their intellectual property rights, or of their right to privacy. We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our Website. We have the right to remove any Submissions you make on our Website if, in our opinion, such Submission does not comply with the content standards set out below.

Blogs and Comments (whether in the form of Submissions or otherwise) are welcomed and encouraged on this Website. These Comments do not reflect the views of SPHERE INSURANCE GROUP, our board of directors, management or members.
All content provided on any blog on this Website is for informational purposes only. Neither the SPHERE INSURANCE GROUP or its Associates make representations as to the accuracy or completeness of any information on this Website or found by following any link on this Website. SPHERE INSURANCE GROUPwill not be liable for any errors or omissions in this information nor for the availability or content of this information. SPHERE INSURANCE GROUP will not be liable for any losses, injuries, or damages from the display or use of this information by a user of this website. These terms and conditions of use are subject to change at any time and without notice.
There are some instances where comments will be edited or deleted as follows:

  1. Comments deemed to be spam or questionable spam will be deleted (including a link to relevant content is permitted, but comments should be relevant to the post topic)
  2. Comments including profanity will be deleted
  3. Comments containing language or concepts that could be deemed offensive will be deleted
  4. Comments that attack a person individually will be deleted.

SPHERE INSURANCE GROUP reserves the right to edit or delete any comments submitted to this blog without notice.
This comment policy is subject to change at any time without prior warning.
Use of the SPHERE INSURANCE GROUP website is governed by the Terms of Use.