360 Landlords has announced a series of important enhancements to its Landlords Insurance Product Disclosure Statement (PDS) effective 28 May 2025. These updates reflect 360’s ongoing commitment to providing market-leading insurance solutions that offer greater protection and clarity for landlords, ensuring comprehensive coverage that meets the evolving needs of property investors.

The updated PDS introduces key enhancements*, including:

+ Pet damage caused by tenants’ pets – Now included for both building and contents, with coverage up to $7,500 per policy period
+ Rubbish removal and cleaning costs – A new benefit covering up to $500 per claim in addition to current removal of debris benefit
+ Legal expenses for tenant default or eviction – Increased to $7,500 per claim

Kate Stebbings, Executive Director – 360 Landlords, said:

“At 360 Landlords, we are focused on providing coverage that is both relevant and responsive. The latest enhancements reinforce our commitment to supporting landlords with policies that deliver practical benefits and financial protection against insured risks."

The updated 360 Landlords Insurance PDS is now available, and policyholders are encouraged to review the changes to ensure their coverage aligns with their needs.

For further information please contact the Landlords Underwriting Team via landlords@360uw.com.au or visit our website 360uw.com.au.

*Terms, conditions and exclusions apply.

This insurance is underwritten by Guild Insurance Limited trading as Acerta ABN 55 004 538 863, AFSL 233791 (Guild), and is distributed by 360 Landlords Pty Ltd ABN 99 634 062 972 (360 Landlords). 360 Landlords is an Authorised Representative (AR 1288284) of 360 Underwriting Solutions Pty Ltd ABN 18 120 261 270, AFSL 319181 (360 Underwriting) who are authorised to distribute this product under a binding authority from Guild. 360 Landlords and 360 Underwriting only provide general advice and do not consider your objectives, financial situation or needs. To decide if this product is right for you, please read the 360 Landlords Insurance Policy Product Disclosure Statement and Policy Wording (PDS). Terms, conditions, limits and exclusions apply. A copy of the Target Market Determination can be found at 360uw.com.au

Discover the Charm of Classic and the Luxury of Prestige

Two Icons of Automotive Excellence

Whether captivated by the nostalgia of Classic Vehicles or the modern sophistication of Prestige Vehicles, each represents a unique journey. Let’s explore their defining traits:

What's in a Name?

Classic Vehicles: timeless treasures, often 20+ years old, valued for their history and craftsmanship. Think 1967 Ford Mustang or Mercedes-Benz 300SL.

Prestige Vehicles: luxurious, cutting-edge, and designed to impress—modern masterpieces like Ferrari, Bentley, or Rolls-Royce.

Design & Technology

Classic: vintage aesthetics and analog charm. A collector’s dream, embodying an era’s soul.

Prestige: sleek designs, state-of-the-art technology, and unparalleled comfort for today’s elite driver.

What's the Appeal?

Classic: perfect for restoration, car shows, and investments that tell a story.

Prestige: the ultimate symbol of status and luxury for those who live to stand out.

Insurance Tip:

Classics need to have their rarity and value protected, while Prestige Vehicles require the right cover for their modern features such as advanced features.

Protect your client’s automotive passion with 360 Prestige Motor insurance solutions. Contact our underwriting enthusiasts to chat through any opportunity.

Or via prestigemotor@360uw.com.au

360 Prestige Motor: Insurance solutions for Classic, High-Performance, and Prestige vehicles. Now covering motorcycles as part of collections (2+ vehicles). Terms & Conditions apply.

This insurance is underwritten by Aioi Nissay Dowa Insurance Company Australia Pty Ltd (ABN 11 132 524 282; AFSL 443540) ('Adica') and is distributed by 360 Prestige Motor Pty Ltd (ABN 45 666 683 978) ('360 Prestige Motor'). 360 Prestige Motor is an Authorised Representative (AR No. 1302637) of 360 Underwriting Solutions Pty Ltd (ABN 18 120 261 270; AFSL 319181) ('360 Underwriting') who is authorised to distribute this product under a binding authority from Adica. 360 Prestige Motor & 360 Underwriting only provide general advice and do not consider your objectives, financial situation or needs. To decide if this product is right for you please read the relevant Product Disclosure Statement. A copy of the Target Market Determination can be found at www.360uw.com.au. *Reference to any features and benefits set out in this document are subject to additional terms and conditions, limits, sub-limits and exclusions.

With a career spanning over 25 years across New South Wales, Western Australia, and Queensland, Shane brings deep industry expertise and a wealth of leadership experience to the Insurance Sector. Having held senior roles at major firms including CGU, Allianz, and now Aviso, Shane has developed a broad understanding of both underwriting and broking. For the past six years, Shane has been a key driver in the success and evolution of Aviso Broking. His proudest achievements stem from not only the growth of the business, but also from his commitment to developing the people within it.

Shane is passionate about building and maintaining strong relationships and thrives on delivering tailored solutions that meet his clients' unique needs. Whether forging new partnerships or strengthening long-standing ones, Shane brings energy and strategic insight to every deal.

Life at 360

What was your first week at 360 like?
Strategically short, starting on a 3 day week! Very productive - I have hit the ground running with catch ups with key people, and reintroducing myself to our key partners.

What do you hope to achieve in the next 12 months at 360?
I’m excited to build new connections that will help us grow stronger, together. Having been a customer for the last 6 years, I’ve watched 360 evolve with immense respect, and this new chapter feels like an incredible opportunity to contribute to our shared success. I’m eager to collaborate, innovate, and support our ongoing journey towards excellence!

If you had to describe your team at 360 in 3 words, what would they be?
Passionate, aligned, and driven.

Getting to know Shane

What is the one musician or band (dead or alive) that you would like to see?
David Bowie

If you had to host a dinner party with any 3 guests, who would they be?

Gareth Bale – Spurs legend and golf tragic
Paul Gascoigne – my original spurs love
Michael McIntyre – Comedian and Spurs fan

If you could instantly become an expert in something, what would it be?
Conspiracy Theory Debunker

If you could live anywhere in the world for a year, where would it be?
In a VIP suite of a hotel with an on-site golf course. In close proximity to White Hart Lane, to watch the mighty Spurs on a regular basis.

What would the title of your autobiography be?
"Insured, Inspired, and Slightly Offside: Finding my way to 360, with Spurs, Slices & Solid Mates"

Who is someone you admire?
In a Mount Rushmore kind of way:

Ange Postecoglou – Spurs’ gaffer with big dad energy, tactical brilliance, and no-nonsense philosophy. All with some Aussie charm.
Cameron Smith – the ability to play serious level sport, but appear to not take thigs too seriously
My Dad – has been a mentor and steer for my career ever since I joined the industry in 1999

What is your death row meal?
Something Asian, Curry, Dumplings, Chinese or Thai – definitely no seafood

Get in touch with Shane as per details below:
Head of Partnerships - Commercial
M. +61 404 801 068
E. shane.risby@360uw.com.au

Discover the Distinctive Worlds of Automotive Excellence

Not all cars are created equal. Whether you’re drawn to the timeless elegance of a Classic, the thrills of a High-Performance car, or the luxurious allure of a Prestige vehicle, each represents a unique driving experience. Let’s explore what sets them apart:

Classic Vehicles

+ Definition: cars aged 20+ years, admired for their history, craftsmanship, and rarity.

+ Key Traits: vintage designs, mechanical charm, and nostalgic appeal.

+ Examples: 1967 Ford Mustang, Jaguar E-Type.

+ Ownership Purpose: passion projects, restorations, and investments that appreciate over time.

High-Performance Vehicles

+ Definition: cars built for speed, agility, and thrilling driving dynamics.

+ Key Traits: precision engineering, powerful engines, and track-ready handling.

+ Examples: Porsche 911 GT3, McLaren 720S.

+ Ownership Purpose: perfect for enthusiasts seeking adrenaline and unmatched road performance.

Prestige Vehicles

+ Definition: luxurious modern vehicles that blend sophistication with advanced technology.

+ Key Traits: exclusive designs, opulent interiors, and cutting-edge features.

+ Examples: Rolls-Royce Phantom, Bentley Continental GT.

+ Ownership Purpose: a symbol of success, comfort, and refined taste.

Insurance Solutions To Meet Your Clients Needs

Each vehicle type deserves unique coverage:

+ Classic Vehicles: cover that values rarity and restoration.

+ High-Performance Vehicles: coverage for performance modifications*.

+ Prestige Vehicles: comprehensive cover to protect advanced features and luxurious interiors.

The 360 Prestige Motor team is here to assist in providing the right protection for your clients collections and individual vehicles. Contact our underwriting enthusiasts to chat through any opportunity.

Or via prestigemotor@360uw.com.au

360 Prestige Motor: Insurance solutions for Classic, High-Performance, and Prestige vehicles. Now covering motorcycles as part of collections (2+ vehicles). T &Cs apply.

The 360 Group of Companies is pleased to announce significant enhancements to our 360 Plant & Equipment product offering, effective 1 April 2025. These updates are designed to further streamline coverage, improve policy structures, and deliver greater value and flexibility for brokers and their clients.

Key enhancements include:

+ Consolidated Policy Wording – We’ve refined our Mobile Plant & Machinery and Civil Contractors Insurance policies into a single, streamlined solution, designed to reduce complexity for brokers and improve coverage consistency for their clients.
+ Expanded Coverage Options – New enhancements offer broader protection across key risk areas, including increased limits, additional inclusions, and flexible coverage options to meet evolving industry needs.
+ Broker-Friendly Enhancements – Updated policy structures provide clearer wording, improved definitions, and simplified underwriting processes, making it easier than ever for brokers to place business confidently.

Jason Clarke, CEO Australia – 360 Underwriting Solutions, commented:

“At 360, we’re committed to continuous improvement and innovation. These enhancements to our Plant & Equipment product reflect our ongoing focus on providing brokers with market-leading solutions that are easy to understand, competitive, and tailored to client needs. Our refined policy structure and expanded coverage options are designed to support brokers in delivering exceptional service with confidence."

Frank Solano, Head of 360 Plant & Equipment, added:

“These product updates are based on extensive feedback from our broker partners, and we’re confident they will enhance the overall experience. By streamlining policy wordings, broadening coverage, and refining underwriting processes, we’re ensuring brokers have the tools they need to offer their clients comprehensive and sustainable protection.”

For further information please contact the Plant & Equipment Underwriting Team via pe@360uw.com.au or visit our website 360uw.com.au.

This insurance is underwritten by AIG Australia Limited ABN 93 004 727 753, AFSL 381686 (AIG), and is distributed by 360 Plant and Equipment Pty Ltd ABN 85 087 238 837 (360 Plant and Equipment). 360 Plant and Equipment is an Authorised Representative (AR 1302637) of 360 Underwriting Solutions Pty Ltd ABN 18 120 261 270, AFSL 319181) (360 Underwriting) who is authorised to distribute this product under a binding authority from AIG. 360 Plant and Equipment and 360 Underwriting only provide general advice and do not consider your objectives, financial situation or needs. To decide if this product is right for you, please read the 360 Mobile Plant and Machinery Insurance Product Disclosure Statement and Policy Wording (PDS). Terms, conditions, limits and exclusions apply. A copy of the Target Market Determination can be found here.

Tom began his career in insurance straight out of university, beginning with private health insurance in Dublin. After taking a career break to travel, he moved to Australia in 2017, initially planning to stay for just a couple of years. It was here in Australia that he shifted into general insurance. Before joining 360, Tom spent six years in various leadership roles, managing claims for the NSW Government, specifically for vehicles and property owned or operated by the government.

Tom specialises in commercial property and motor insurance but has also worked across a range of other products. He is passionate about delivering excellent customer service and continuously seeking innovative solutions to improve outcomes. In 2023, Tom was honoured with the Insurance Business Australia Rising Star Award.

Life at 360

What were you first 30 days at 360 like?
I was very fortunate to have joined such a strong claims team, who were already delivering to a very high level. In saying that, I was straight into the thick of things, reviewing some of our key claims strategies in order to further our service offering. The first 30 days, similar to the first 12 months, have really flown by.

What do you hope to achieve in the next 12 months at 360?
I hope to continue to grow our team to meet the developing market needs. We also have exciting claims projects coming up that I am looking forward to!

If you had to describe your team at 360 in 3 words, what would they be?
Diligent, engaging and collaborative.

Getting to know Tom

What is the one musician or band (dead or alive) that you would like to see?
Probably Talking Heads. This Must Be The Place is right up there in my Spotify Unwrapped every year!

If you had to host a dinner party with any 3 guests, who would they be?
Roy Keane, David Attenborough and Anthony Bourdain

If you could instantly become an expert in something, what would it be?
Golf – who wouldn’t love to travel the world as a pro golfer.

If you could live anywhere in the world for a year, where would it be?
Barcelona – weather, beach and tapas.

What would the title of your autobiography be?
The Scenic Route

Who is someone you admire?
Elliott Hill (Nike CEO) – he started out as an intern at Nike and over 35 years, worked his way up to CEO.

What is your death row meal?
A full Irish breakfast and a pint of Guinness (or 2)

Get in touch with Tom as per details below:
Claims Operations Manager
M. +61 456 235 022
E. tom.hatton@360uw.com.au

Identity Theft: A Growing Threat to Individuals and Businesses

Identity theft is one of the most pervasive and damaging cyber threats in today's digital world. Whether targeting individuals or businesses, identity theft can lead to financial losses, reputational damage, and severe emotional distress. But what exactly is identity theft, and how can we protect ourselves from becoming victims?

What Is Identity Theft?

Identity theft occurs when someone fraudulently acquires and uses another person's personal or financial information—such as Social Security numbers, bank account details, or login credentials—without their permission. This stolen information is often used to commit fraud, make unauthorised.

The Impacts of Identity Theft

On Individuals:

Financial Losses: Stolen credentials can be used to drain bank accounts, open fraudulent credit lines, or make unauthorised purchases.
Credit Score Damage: Fraudulent financial activity can severely impact credit scores, making it difficult to secure loans, mortgages, or credit cards.
Emotional and Psychological Distress: The stress and anxiety caused by identity theft can be overwhelming, as victims struggle to reclaim their identities and restore their financial security.
Legal Consequences: In some cases, identity thieves commit crimes in the victim's name, leading to false accusations and legal complications.

On Businesses:

Financial Fraud and Data Breaches: Companies that fall victim to identity theft-related fraud may face significant financial losses.
Reputational Damage: A breach of customer or employee information can erode trust and result in lost business opportunities.
Regulatory Penalties: Failure to protect sensitive data may lead to hefty fines and legal actions from regulatory authorities.
Operational Disruptions: Identity theft incidents often require extensive investigations and mitigation efforts, diverting resources from business operations.

What to Do If You Suspect Identity Theft

For Individuals:

Monitor Your Accounts Regularly: Check your bank statements, credit reports, and online accounts for suspicious activity.
Report Fraudulent Activity Immediately: Contact your bank, credit card provider, and relevant authorities to report any unauthorised transactions.
Freeze Your Credit: A credit freeze can prevent identity thieves from opening new accounts in your name.
Change Passwords and Secure Your Accounts: Update passwords for compromised accounts and enable multi-factor authentication (MFA) for added security.
File a Police Report: Reporting identity theft to law enforcement and credit agencies can help in mitigating further damage.

For Businesses:

Implement Robust Cybersecurity Measures: Use encryption, firewalls, and multi-factor authentication to secure sensitive data.
Train Employees on Security Best Practices: Educate staff on how to recognize phishing attempts, social engineering attacks, and other identity theft tactics.
Monitor for Unusual Transactions: Regularly review financial transactions and user activity for potential fraud.
Establish Incident Response Plans: Have a clear protocol for handling identity theft incidents to minimize damage and recover quickly.
Comply with Data Protection Regulations: Ensure adherence to laws such as GDPR and CCPA to protect customer and employee information.

How to Protect Yourself from Identity Theft

For Individuals:

Be Cautious with Personal Information: Avoid sharing sensitive data on unsecured websites or social media.
Use Strong, Unique Passwords: A password manager can help generate and store secure passwords for different accounts.
Enable Multi-Factor Authentication (MFA): Adding an extra layer of security makes it harder for cybercriminals to access your accounts.
Shred Sensitive Documents: Properly dispose of documents containing personal information to prevent dumpster diving attacks.
Stay Alert to Phishing Scams: Be wary of unsolicited emails, texts, or calls asking for personal information.

For Businesses:

Conduct Regular Security Audits: Identify vulnerabilities and ensure systems are up to date with the latest security patches.
Invest in Identity Verification Solutions: Advanced authentication technologies can help detect and prevent fraudulent activities.
Secure Customer and Employee Data: Encrypt sensitive information and limit access to authorised personnel only.
Partner with Cybersecurity Experts: Collaborate with specialists to strengthen your organisation's security posture.
Have a Data Breach Response Plan: Being prepared to respond to data breaches can minimize damage and restore trust quickly.

Identity theft is a growing threat that affects both individuals and businesses, but proactive measures can help mitigate the risks. By staying vigilant, adopting strong security practices, and educating ourselves about identity theft tactics, we can better protect our personal and financial information. Whether you're an individual or a business leader, taking the right precautions today can prevent devastating consequences in the future.

For further information please contact the Cyber Underwriting Team via cyber@360uw.com.au or visit our website 360uw.com.au.

This content is brought to you by 360 Underwriting Solutions Pty Ltd and 360 Financial Lines Pty Ltd (“360”) as a convenience to readers and is not intended to constitute advice (professional or otherwise) or recommendations upon which a reader may rely. Any references to insurance cover are general in nature only and may not suit your particular circumstances. Reference in this content (if any) to any specific commercial product, process, or service, and links from this content to other third-party websites, do not constitute or imply an endorsement or recommendation by 360.

Deepfakes: The Rising Threat to Individuals and Businesses

In an era where digital technology is evolving at an unprecedented pace, deepfakes have emerged as one of the most concerning cybersecurity threats. But what exactly are deepfakes, and why should individuals and businesses be worried about them? More importantly, how can we protect ourselves from their potential harm?

What Are Deepfakes?

Deepfakes are hyper-realistic synthetic media created using artificial intelligence (AI) and machine learning (ML) techniques. These technologies can manipulate audio, video, and images to convincingly depict someone saying or doing something they never actually did. While deepfake technology has some legitimate applications in entertainment and media, its potential for misuse poses serious risks.

The Threats Deepfakes Pose

To Individuals:

Identity Theft and Reputation Damage: Deepfake technology can be used to create fake videos or audio recordings of individuals, making it appear as though they have said or done things they never did. This can be used to damage reputations, manipulate personal relationships, or even commit fraud.
Financial Scams and Fraud: Cybercriminals can use deepfake voices to impersonate family members, business executives, or public figures to trick people into transferring money or divulging sensitive information.
Misinformation and Manipulation: Deepfakes can be used to spread false information, influencing public opinion and decision-making, especially in political and social contexts.

To Businesses:

Corporate Fraud and Impersonation: Fraudsters can use deepfake audio or video to impersonate executives, authorising fraudulent transactions or misleading employees into revealing sensitive data.
Market Manipulation and Brand Damage: False videos of company executives making misleading statements or engaging in unethical behaviour can significantly impact stock prices and brand reputation.
Cybersecurity Risks: Deepfakes can be used to bypass biometric security measures such as voice or facial recognition systems, posing a significant challenge for corporate security teams.

How Can We Protect Ourselves?

For Individuals:

Be Skeptical of Unverified Content: If a video or audio clip seems suspicious, verify it through trusted sources before believing or sharing it.
Enhance Digital Literacy: Educate yourself about the signs of deepfake manipulation, such as unnatural facial expressions, mismatched lip-syncing, or inconsistent shadows.
Use Multi-Factor Authentication (MFA): Protect sensitive accounts with multiple layers of authentication rather than relying solely on voice or facial recognition.

For Businesses:

Implement Deepfake Detection Technology: AI-driven detection tools can analyse videos and audio for signs of manipulation.
Strengthen Cybersecurity Policies: Establish protocols to verify high-risk communications, such as requiring secondary confirmations for financial transactions.
Train Employees to Identify Deepfake Threats: Cybersecurity awareness programs should include training on recognizing and mitigating deepfake risks.
Legal and Regulatory Advocacy: Advocate for stronger laws and regulations against the malicious use of deepfake technology.

Deepfake technology is advancing rapidly, and while it offers innovative possibilities, it also presents significant risks. As individuals and businesses, we must remain vigilant, educate ourselves, and leverage technology to counteract the threat. The fight against deepfakes is an ongoing challenge, but with awareness and proactive measures, we can mitigate their impact and protect ourselves from digital deception.

For further information please contact the Cyber Underwriting Team via cyber@360uw.com.au or visit our website 360uw.com.au.

The 360 Group of Companies is excited to announce that, effective 1 April 2025, the underwriter for our 360 Plant & Equipment agency will transition to AIG Australia Ltd (AIG). This strategic alliance aligns with our commitment to delivering exceptional insurance solutions tailored to the needs of brokers and their clients.

As part of this transition, we’re introducing an enhanced product offering by combining the Mobile Plant & Machinery PDS and Policy Wording with the Civil Contractors Insurance PDS and Policy Wording into a single, streamlined solution. This enhanced product reflects our dedication to improving the broker experience, ensuring comprehensive coverage that’s easy to navigate and tailored to market needs. Additionally, our IT platform for Plant & Equipment will continue to operate on Compass, ensuring a smooth transition with no changes to the broker experience when managing policies and submissions.

Denis Morrissey, Co-Founder and Managing Director of 360 Underwriting Solutions, shared his enthusiasm for the transition:

“We’re thrilled to partner with AIG, a leading global insurer, to further strengthen our Plant & Equipment agency. This move reflects our ongoing commitment to delivering innovative, market-leading solutions that supports brokers and their clients. A diverse and stable underwriting security base is critical in today’s insurance landscape, allowing us to provide flexible, competitive, and sustainable coverage."

Frank Solano, Head of 360 Plant & Equipment, added:

“The transition to AIG marks an exciting step forward for 360 Plant & Equipment. Having worked closely with our broker partners, I know how important it is to offer solutions that are both reliable and easy to navigate. This alliance ensures we can keep delivering the trusted service and tailored coverage brokers rely on.”

For further information please contact the Plant & Equipment Underwriting Team via pe@360uw.com.au or visit our website 360uw.com.au.

360 Cyber partners with KYND for Cyber Risk Vulnerability Reports

We’re excited to announce our new partnership with KYND, cyber risk management experts. Through this collaboration, we’re providing you with access to KYND’s Cyber Risk Vulnerability Reports, designed to help your customers better understand their cyber vulnerabilities and exposures.

KYND non-invasively scans for publicly visible software and services that are owned by an organisation, visible on the internet, grouping any threats as Red or Amber. With this information, it will give you recommended actions, both essential and advisable ones.

Linked Below is a Guide that explains some of the risk indicators to help your clients use the report to understand and mitigate the cyber vulnerabilities posing a risk to their organisation. The reports come at zero cost to you or your client and can be run for as many clients as you like.

Please view the Kind Risk Indicators here

Requesting a KYND Report

To request a report choose “Yes” to “Would you like a Kynd Report run for this client?” on the limits screen on Compass, or on the proposal form.

We will still be underwriting based on the answers provided to the underwriting questions, however, for accounts over $30M or high risk industries we may use the KYND report in conjunction with your answers.

If you have any questions relating to our new Kynd offering, please do not hesitate to get in contact with our 360 Cyber Team.

For further information please contact the Cyber Underwriting Team via cyber@360uw.com.au or visit our website 360uw.com.au

Agencies

Discover the Charm of Classic and the Luxury of Prestige

Two Icons of Automotive Excellence

What's in a Name?

Design & Technology

What's the Appeal?

Insurance Tip:

Life at 360

Getting to know Shane

Discover the Distinctive Worlds of Automotive Excellence

Classic Vehicles

High-Performance Vehicles

Prestige Vehicles

Insurance Solutions To Meet Your Clients Needs

Life at 360

Getting to know Tom

Identity Theft: A Growing Threat to Individuals and Businesses

The Impacts of Identity Theft

What to Do If You Suspect Identity Theft

How to Protect Yourself from Identity Theft

Deepfakes: The Rising Threat to Individuals and Businesses

What Are Deepfakes?

The Threats Deepfakes Pose

How Can We Protect Ourselves?

360 Cyber partners with KYND for Cyber Risk Vulnerability Reports

Requesting a KYND Report