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BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260507T120000
DTEND;TZID=Australia/Sydney:20260507T130000
DTSTAMP:20260419T002047
CREATED:20260311T024113Z
LAST-MODIFIED:20260311T024522Z
UID:10000153-1778155200-1778158800@uac.org.au
SUMMARY:Marketing 101 for Insurance Brokers
DESCRIPTION:Presenters: Clinton Vonow (Head of Broker Distribution) & Brona Hyndman (Head of Marketing) \nContent Summary \nUnderstand how to build a personal or business brand that positions you as a trusted and approachable broker\, not just another name in the market.\nLearn practical strategies for differentiating yourself from competitors through authentic communication and consistent brand presentation. \nLearning Objectives: \n1. Crafting Your Broker Brand: How to Be Seen as Trusted\, Approachable & Different\n2. Positioning yourself beyond “just another broker.”\n3. Social Media for Brokers: What to Post\, Where to Post\, and How Often \nRegistrations: Microsoft Virtual Events Powered by Teams
URL:https://uac.org.au/event/marketing-101-for-insurance-brokers/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/Passportcard-logo-blog.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260507T110000
DTEND;TZID=Australia/Sydney:20260507T120000
DTSTAMP:20260419T002047
CREATED:20260412T230553Z
LAST-MODIFIED:20260412T230553Z
UID:10000163-1778151600-1778155200@uac.org.au
SUMMARY:Document Intelligence – Turn Your Business Documents into Actionable Insights
DESCRIPTION:Every organisation sits on a vast collection of documents – contracts\, agreements\, engineering reports\, architecture documents\, project reports\, research papers\, tenders\, policies and process documentation. \nThese documents contain critical business knowledge and insights\, yet most organisations cannot easily access or leverage that intelligence. \nAs AI continues to mature\, it is becoming significantly easier to extract insights from unstructured information. However\, many organisations are still struggling with the fundamentals – fragmented storage\, poor version control\, and inconsistent document management. \nThe result? \nThousands of documents exist across the business\, but the intelligence inside them remains largely untapped. \nForward-looking organisations are now changing this by implementing AI-enabled document intelligence\, transforming everyday documents into searchable\, structured and actionable knowledge assets. \nWho This Webinar Is For \n\nBusiness and operational leaders responsible for decision-making and efficiency\nData and technology leaders looking to unlock value from unstructured data\nIT teams managing document platforms such as SharePoint\, Google Drive or Dropbox\nOrganisations dealing with large volumes of contracts\, reports or technical documentation\nAnyone exploring how AI can be applied practically within their business\n\nWhat You’ll Learn: \n\nHow to make your business documents AI-ready\nPractical ways to reduce document chaos and manual effort\nHow leading organisations are enabling document intelligence\nApproaches for unlocking insights from contracts\, reports and technical documentation\nA comparison of common document platforms including SharePoint\, Google Drive and Dropbox\nWhich platforms work best for different business use cases\n\nRegistrations: https://ingrity.com/events/document-intelligence-turn-your-business-documents-into-actionable-insights/
URL:https://uac.org.au/event/document-intelligence-turn-your-business-documents-into-actionable-insights/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/BSM-Members-logo/Ingrity-Logo.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260505T120000
DTEND;TZID=Australia/Sydney:20260505T130000
DTSTAMP:20260419T002047
CREATED:20260311T224009Z
LAST-MODIFIED:20260311T225907Z
UID:10000154-1777982400-1777986000@uac.org.au
SUMMARY:Understanding Accident & Sickness Insurance: Protecting Clients When Life Doesn’t Go to Plan
DESCRIPTION:Presenters: Debra Crowe (General Manager) & Jono Edwards (Distribution Director) \nAccidents and illness can strike without warning\, leaving clients exposed to financial stress just when they need support the most. In this webinar\, we’ll unpack the fundamentals of Accident & Sickness insurance and why it’s becoming an increasingly vital part of client protection strategies in 2026. \nYou’ll gain practical insight into how the products work\, what it covers\, and how to spot opportunities to add real value for your clients. Whether you’re new to this space or looking to refine your approach\, this session will help you confidently discuss and position Accident & Sickness as part of a well-rounded insurance portfolio. \nLearning Objectives: \n1. Understand why Accident & Sickness cover is gaining importance in today’s risk landscape.\n2. Learn what Accident & Sickness insurance typically covers — and common misconceptions to watch for.\n3. Identify client profiles and scenarios where Accident & Sickness insurance adds business value. \nRegistrations: https://events.teams.microsoft.com/event/94ff0b56-d2fb-49a4-a0d9-24a30b994441@6d96f8f2-00e8-4ea1-9ba7-fd86f83ec1b3
URL:https://uac.org.au/event/understanding-accident-sickness-insurance-protecting-clients-when-life-doesnt-go-to-plan/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/members-logo/Point-Insurance-Logo.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260501T130000
DTEND;TZID=Australia/Sydney:20260501T140000
DTSTAMP:20260419T002047
CREATED:20260408T225802Z
LAST-MODIFIED:20260408T233335Z
UID:10000160-1777640400-1777644000@uac.org.au
SUMMARY:2026 State of Play in Accident & Health - 3 Part Virtual Event Series
DESCRIPTION:A 3-part virtual event series with AHI underwriting\, product\, claims and AHI Assist experts. \nAccident & Health can appear straightforward at placement – but it’s often one of the hardest covers to unwind when something goes wrong. Join our national underwriting\, product\, claims and AHI Assist expert panel as we examine the key themes shaping A&H programs\, pricing and broker decision-making in 2026. \nAbout the series\nAcross three focused sessions\, we’ll examine: \nPart 1: What drives different terms for similar clients | 1 May 2026\, 1pm AEST\nHow workforce behaviour\, policy intent\, geography and operating context influence underwriting outcomes. \nPart 2: What shapes A&H risk thinking today | 15 May 2026\, 1pm AEST\nHow underwriting\, product\, claims and assistance perspectives shape how A&H risks are considered in today’s environment. \nPart 3: Understanding A&H pricing and placing risks with more confidence | 29 May 2026\, 1pm AEST\nWhat factors influence pricing\, and how brokers can place A&H risks they can stand behind. \nQ&A: In each session\, local underwriters ask the panel key questions and share real scenarios from working with our broker partners. \nDuring the screening\, members of our underwriting team will be available live via the chat panel to answer any questions you may have in real time. \nWhat you’ll gain \n\nPractical insights into A&H risk drivers in Australia\nAn understanding of how claims experience informs underwriting decisions\nGreater clarity on why terms and pricing vary\nA more structured approach to placing A&H risks\nAttend all three sessions and earn 3 CPD points.\n\nHow it works \n\nRegister once for access to all three sessions\, or select the individual sessions you’d like to attend\nAttend live or watch on-demand at your convenience\n1 CPD point awarded per completed session\n\nWho should attend  \n\nA&H risk drivers\nClaims-informed underwriting\nRegional nuance in A&H placement\nA&H pricing – from portfolio to individual accounts\nIntegrated support models\n\nRegistrations: https://www.ahiinsurance.com.au/broker-resources/virtual-event-series-2026-state-of-play-in-accident-and-health?utm_source=uac&utm_medium=third-party-newsletter&utm_campaign=ve-2026-state-of-play&utm_content=register
URL:https://uac.org.au/event/2026-state-of-play-in-accident-health-3-part-virtual-event-series/2026-05-01/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/members-logo/AHI-Logo.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260430T120000
DTEND;TZID=Australia/Sydney:20260430T130000
DTSTAMP:20260419T002047
CREATED:20260310T031421Z
LAST-MODIFIED:20260310T031421Z
UID:10000148-1777550400-1777554000@uac.org.au
SUMMARY:Recent developments in vicarious liability
DESCRIPTION:Presenter: Janelle Barron\, Special Counsel \nVicarious liability arises most commonly in employment contexts. Recent decisions have tested the scope and boundaries of this doctrine\, culminating in the recent High Court decision in Bird v DP [2024 HCA 41]. We’ll explore the current boundaries of the doctrine and explore where these may continue to be tested. \nBy the end of this activity\, participants will be able to:\n• Identify and understand vicarious liability issues\, including how they relate to employment contexts\n• Understand the impact of recent court decision on vicarious liability\, and how the doctrine of vicarious liability may evolve further\n• Understand the impact of these changes on the risk framework for writing EPL and similar policies\n• Understand the potential impact on their own business practices \nRegistrations: https://events.teams.microsoft.com/event/986ca28c-1493-4a08-ab03-e17174acaa19@6d96f8f2-00e8-4ea1-9ba7-fd86f83ec1b3
URL:https://uac.org.au/event/recent-developments-in-vicarious-liability/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/Sparke-Helmore-logo-1-scaled.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260429T120000
DTEND;TZID=Australia/Sydney:20260429T130000
DTSTAMP:20260419T002047
CREATED:20260310T025501Z
LAST-MODIFIED:20260310T025501Z
UID:10000147-1777464000-1777467600@uac.org.au
SUMMARY:Leisure Liability: Understanding the Risks Behind the Fun
DESCRIPTION:Presenters: Paul Douglas – Managing Director & Andrea Durant – Underwriter \nFrom adventure parks to aquatic centres\, leisure and recreation businesses face unique liability exposures that standard cover just doesn’t address. This session unpacks the key risk areas in leisure operations\, explores recent claims examples\, and highlights how brokers can position Leisure Liability cover as a must-have for their clients. \nKey learnings: \n1. Identify the hidden exposures in leisure\, sport\, and recreation businesses\n2. Learn how to explain liability protection in plain language clients understand\n3. Understand where specialist cover outperforms standard liability policies \nRegistrations: Microsoft Virtual Events Powered by Teams
URL:https://uac.org.au/event/leisure-liability-understanding-the-risks-behind-the-fun/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/news/Precision-logo-blog_img.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260428T120000
DTEND;TZID=Australia/Sydney:20260428T130000
DTSTAMP:20260419T002047
CREATED:20260309T224837Z
LAST-MODIFIED:20260309T224837Z
UID:10000144-1777377600-1777381200@uac.org.au
SUMMARY:The Broker's AI Handbook for 2026
DESCRIPTION:Presenters: Scott Bennett – Founder & CEO and Frank Ziegler – Founder & CTO \nThe Broker’s AI Handbook for 2026 provides Australian insurance brokers with practical\, up-to-date insights on how to safely and effectively adopt artificial intelligence in their daily work. \nThis session demystifies general AI tools like ChatGPT as well as showcasing custom AI solutions being developed by leading Insurtechs to streamline manual processes\, improve client experience and meet compliance standards. \nParticipants will all receive a free copy of Brokernote’s AI Handbook for 2026.2 \nBy the end of this session\, participants will be able to: \n\nUnderstand how AI is transforming the Australian insurance industry and the role brokers can play in its safe adoption.\nIdentify practical opportunities to use AI tools – such as ChatGPT and custom Insurtech solutions – to automate manual processes\, enhance efficiency\, and improve client experience.\nEvaluate the compliance\, privacy\, and ethical considerations when applying AI in broking.\nApply best practices for safely integrating AI into daily workflows to improve decision-making\, accuracy\, and client trust.\n\nRegistrations: https://events.teams.microsoft.com/event/00528d8f-2def-4464-9b9a-d4be3631f9b9@6d96f8f2-00e8-4ea1-9ba7-fd86f83ec1b3
URL:https://uac.org.au/event/the-brokers-ai-handbook-for-2026/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/brokernote-logo.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260423T090000
DTEND;TZID=Australia/Sydney:20260423T140000
DTSTAMP:20260419T002047
CREATED:20250918T005521Z
LAST-MODIFIED:20260331T003526Z
UID:10000105-1776934800-1776952800@uac.org.au
SUMMARY:UAC 2026 Wagga Wagga Market Exchange
DESCRIPTION:EXHIBITOR TABLES SOLD OUT –\nThe NEW UAC Market Exchange App is available for broker registration for the market exchange and supports scanning exhibitor QR codes.\nhttps://registration.crowdcomms.com/uacwgamx2026/register\nCertificates will be issued 2-3 weeks post the market exchange electronically using data from the App. Minimum 15 scans.\n5 NIBA CPD points\nAny questions relating to the Market Exchange\, contact Tracey Claridge: traceyclaridge@uac.org.au or mobile: 0433 447 574
URL:https://uac.org.au/event/uac-2026-wagga-wagga-market-exchange/
LOCATION:Wagga Wagga Rules Club\, 188 Fernleigh Road & Glenfield Road\, Glenfield Park\, NSW\, 2650
CATEGORIES:Expos
ATTACH;FMTTYPE=image/png:https://uac.org.au/wp-content/uploads/Wagga-Wagga-2026-Image.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260422T090000
DTEND;TZID=Australia/Sydney:20260422T140000
DTSTAMP:20260419T002047
CREATED:20250918T004433Z
LAST-MODIFIED:20260312T013410Z
UID:10000104-1776848400-1776866400@uac.org.au
SUMMARY:UAC 2026 Canberra Market Exchange
DESCRIPTION:The NEW UAC Market Exchange App is available for broker registration for the market exchange and supports scanning exhibitor QR codes.\nhttps://registration.crowdcomms.com/uaccbrmx2026/register\nCertificates will be issued 2-3 weeks post the market exchange electronically using data from the App. Minimum 15 scans.\n5 NIBA CPD points\n\nPlease note venue has a strict limit of 80 tables. \nAny questions relating to the Market Exchange\, contact Tracey Claridge: traceyclaridge@uac.org.au or mobile: 0433 447 574
URL:https://uac.org.au/event/uac-2026-canberra-market-exchange/
LOCATION:Hyatt Hotel Canberra\, 120 Commonwealth Avenue\, Yarralumla\, ACT\, 2600
CATEGORIES:Expos
ATTACH;FMTTYPE=image/png:https://uac.org.au/wp-content/uploads/Canberra-2026-Image-800.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260422T070000
DTEND;TZID=Australia/Sydney:20260422T083000
DTSTAMP:20260419T002047
CREATED:20260413T021253Z
LAST-MODIFIED:20260415T021430Z
UID:10000164-1776841200-1776846600@uac.org.au
SUMMARY:Insurance Adequacy - far worse than under-insurance: In Person Seminar
DESCRIPTION:Presenters: Glen Drinnan (CEO) & Peter Drinnan (Head of Claims) at Harland Green \nLight breakfast served at 7:00am \nSeminar: 7:30am-8:30am \nSummary \nUnder-insurance in farming has become the norm – but it’s more dangerous than it looks. Many farmers accept lower cover to save on premiums\, telling themselves the risk is manageable. \nThe problem? When something goes wrong\, particularly with bushfires or other major losses\, that cover often falls short. What looks like savings up front can lead to major financial loss later – turning policies into “junk insurance” that doesn’t deliver when it matters. \nThe simple truth: a small cost in premium can mean a big cut in payout. \nThe fix isn’t just spending more – it’s about smarter buying. Ensure everything is covered for that catastrophic event\, and structure your policy to cater for more frequent events. Done right\, farmers can get full protection without wasting premium. \nKey Learning Objectives: \n\nUnderstand how widespread and severe under-insurance has become in the farming sector\nRecognise why farmers justify taking on under-insurance risk – and why that thinking can be flawed\nIdentifying the concept of “junk insurance” and how inadequate cover can fail at claim time\nGrasp the basic logic: small premium savings can lead to large financial losses\nLearn how to prioritise and value assets to ensure meaningful coverage\nExplore practical strategies to achieve full\, effective insurance without unnecessary premium spend\n\n1 CPD & 1 CIP Accredited
URL:https://uac.org.au/event/insurance-adequacy-far-worse-than-under-insurance-in-person-seminar/
LOCATION:Hyatt Hotel Canberra\, 120 Commonwealth Avenue\, Yarralumla\, ACT\, 2600
CATEGORIES:Education & Training,Expos
ATTACH;FMTTYPE=image/png:https://uac.org.au/wp-content/uploads/Harland-Green-1-scaled.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260420T120000
DTEND;TZID=Australia/Sydney:20260420T130000
DTSTAMP:20260419T002047
CREATED:20260309T223034Z
LAST-MODIFIED:20260311T222143Z
UID:10000143-1776686400-1776690000@uac.org.au
SUMMARY:The Hard Truth of Financial Lines and General Liability
DESCRIPTION:Presenters: Lewis Patton – Managing Director & Chris Baker – Head of General Liability \nOur presentation explores the key aspects of Professional Indemnity (PI) and General Liability (GL) insurance\, with a particular focus on identifying and understanding common pitfalls in policy wordings. We highlight how subtle differences in definitions\, exclusions\, and extensions can significantly impact coverage outcomes. \nThe session is designed to equip insurance brokers with practical insights and analytical tools to confidently assess policy terms\, compare insurer offerings\, and better protect their clients’ interests. Ultimately\, the presentation aims to strengthen brokers’ technical knowledge and enhance their ability to navigate the complexities of liability insurance with precision and confidence. \nLearning Objectives: \n\nUnderstand the core principles of Professional Indemnity and General Liability.\nIdentify and Analyse Common Policy Wording Pitfalls\nEnhance Broker Capability in Policy Evaluation\n\nRegistrations: Microsoft Virtual Events Powered by Teams
URL:https://uac.org.au/event/the-hard-truth-of-financial-lines-and-general-liability/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/Artisan-Logo.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260416T120000
DTEND;TZID=Australia/Sydney:20260416T130000
DTSTAMP:20260419T002047
CREATED:20260310T033035Z
LAST-MODIFIED:20260310T033204Z
UID:10000150-1776340800-1776344400@uac.org.au
SUMMARY:Practical Workshop: Marketing for Underwriting Agencies
DESCRIPTION:Presenters: Andrew Silcox – Managing Director\, Maria Gonzalez – Insurance Marketing Expert & Kim McNeil – Insurance Marketing Expert \nThis session will help underwriting agencies set up and run effective marketing activities without the need for an extensive marketing team. This workshop will help participants set up their own range of marketing activities that targets better communication to brokers that measures leads to qualified enquiries. This is a highly practical workshop that requires participants to complete a planning exercise prior to the workshop itself. \nLearning Objectives: \n\nSet up three marketing activities linked to generating new enquiries\, quotes sent\, or broker meetings.\nDevelop a risk appetite into a customer profile and one broker profile that is unique to each workshop participant.\nComplete a unique value message with three proof points.\nDraft three communication elements for use on a website\, social media page and broker email.\n\nRegistrations: https://events.teams.microsoft.com/event/101a1775-7637-476e-be02-17c577ade751@6d96f8f2-00e8-4ea1-9ba7-fd86f83ec1b3
URL:https://uac.org.au/event/practical-workshop-marketing-for-underwriting-agencies/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/class-26/LA_Logo.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260415T120000
DTEND;TZID=Australia/Sydney:20260415T130000
DTSTAMP:20260419T002047
CREATED:20260309T230536Z
LAST-MODIFIED:20260309T230536Z
UID:10000145-1776254400-1776258000@uac.org.au
SUMMARY:Emerging Regulatory and Investigation Trends\, with a focus on the latest AML/CTF reforms and their implications for insurers and other regulated entities
DESCRIPTION:Presenters: Rebecca Kelly – Managing Partner\, Chris Smith – Partner & Jehan-Philippe Wood – Partner \nThis session will provide an update on recent developments in the contentious regulatory space\, with a focus on recent reforms to Australia’s AML/CTF regime and the implications for insurers and regulated entities.\nThe webinar will explore:\n• The evolving litigation landscape and enforcement trends\n• Key compliance obligations for insurers and their insureds\n• Risk exposure and governance challenges\n• Practical steps to prepare for regulatory scrutiny and enforcement actions \nBy the end of this webinar\, participants will be able to:\n1. Understand key regulatory enforcement trends in Australia\n2. Understand the scope and impact of the AML/CTF Tranche 2 reforms on insurers and regulated entities.\n3. Identify key litigation and enforcement trends emerging from these reforms.\n4. Assess key risk exposures and mitigation strategies for insurers and regulated entities in light of the expanded AML/CTF regime.\n5. Apply practical steps to respond to these trends and reforms\, including preparing for the 1 July 2026 deadline. \nRegistrations: Emerging Regulatory and Investigation Trends\, with a focus on the latest AML/CTF reforms and their implications for insurers and other regulated entities | Meeting-Join | Microsoft Teams
URL:https://uac.org.au/event/emerging-regulatory-and-investigation-trends-with-a-focus-on-the-latest-aml-ctf-reforms-and-their-implications-for-insurers-and-other-regulated-entities/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/Clydeco-Logo_Hi-Res-Billboard_Grey-3-scaled.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260414T120000
DTEND;TZID=Australia/Sydney:20260414T130000
DTSTAMP:20260419T002047
CREATED:20260309T221547Z
LAST-MODIFIED:20260322T232245Z
UID:10000142-1776168000-1776171600@uac.org.au
SUMMARY:Building the Next Generation of Insurance Professionals
DESCRIPTION:Presenter: Katrina Shanks\, CEO – ANZIIF \nThis presentation examines how the insurance profession must evolve its skills to meet the demands of a rapidly changing risk\, technology\, and workforce environment. \nThe session explores the impact of emerging risks\, digital transformation\, and demographic shifts on the insurance workforce\, highlighting the growing gap between traditional skills and those needed for the future. It outlines the critical blend of technical\, digital\, and human skills required to deliver strong customer outcomes in an increasingly complex market. \nParticipants will gain insight into how structured skill pathways\, purposeful learning\, and strong professional standards are essential to attracting\, developing\, and retaining the next generation of insurance professionals\, while reinforcing trust and professionalism across the industry. \n\nLearning Objectives: \n\n\nUnderstand how changing risk\, technology\, and workforce dynamics are reshaping insurance professionalism\nIdentify the core technical\, digital\, and human skills required for future insurance professionals\nRecognise the role of ethics\, trust\, and continuous learning in sustaining professional excellence\nUnderstand how investment in people and culture supports long term industry resilience and customer trust\n\nRegistrations: Careers in Insurance – Uncovering the Reality and Experience of “Falling Into Insurance” | Meeting-Join | Microsoft Teams
URL:https://uac.org.au/event/careers-in-insurance-uncovering-the-reality-and-experience-of-falling-into-insurance/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/BSM-Members-logo/ANZIIF_Logo.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260407T120000
DTEND;TZID=Australia/Sydney:20260407T130000
DTSTAMP:20260419T002047
CREATED:20260310T023513Z
LAST-MODIFIED:20260311T230611Z
UID:10000146-1775563200-1775566800@uac.org.au
SUMMARY:Environmental Impairment (Pollution) Liability: What’s Possible When Insurance Is Designed to Respond
DESCRIPTION:Presenters: Alistair Sandilands – Director and Principal UW & Cassandra Phillips – Underwriter – Environmental at the Aspen Group of companies\, part of the Sompo Group \nEnvironmental Impairment (Pollution) Liability: What’s Possible When Insurance Is Designed to Respond\nEnvironmental exposures can arise from everyday business activities — not just in the obvious industry sectors. Yet Environmental Impairment Liability (EIL) remains one of the most under-discussed and underestimated risks in many insurance programmes. \nPollution exposures are frequently overlooked in broker discussions with clients and are often excluded or limited within traditional property and liability policies. \nThis session provides a practical introduction to environmental liability insurance\, explaining how pollution events trigger coverage\, where common coverage gaps exist\, and how specialist EIL policies can respond to both first-party clean-up costs and third-party liabilities. \nThrough real-world examples\, the session will help brokers better recognise environmental exposures and start more informed conversations with clients about managing pollution risk. \nAt the end of this session\, participants will be able to: \n\nIdentify how pollution exposures can arise from everyday business activities across a broad range of industries\, not only traditionally high-risk sectors.\nRecognise common pollution coverage gaps within standard property and public liability insurance policies.\nDistinguish between pollution coverage provided under traditional liability policies and specialist Environmental Impairment Liability (EIL) insurance.\nBetter recognise when Environmental Impairment Liability insurance may be relevant in addressing pollution risks faced by clients.\n\nRegistrations: Environmental Impairment (Pollution) Liability: What’s Possible When Insurance Is Designed to Respond | Meeting-Join | Microsoft Teams
URL:https://uac.org.au/event/environmental-impairment-pollution-liability-whats-possible-when-insurance-is-designed-to-respond/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/png:https://uac.org.au/wp-content/uploads/Colab_Gradient-Logo_RBG-e1773270348887.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260331T120000
DTEND;TZID=Australia/Sydney:20260331T130000
DTSTAMP:20260419T002047
CREATED:20260211T230017Z
LAST-MODIFIED:20260216T034655Z
UID:10000141-1774958400-1774962000@uac.org.au
SUMMARY:Getting Data Right: The Foundation of Insurance Success
DESCRIPTION:Presenters:\n \n\nPrateek Vijayvergia – Senior Vice President – Business Leader\, Key Accounts\, ANZ at Xceedance\nHusain Parvez – Vice President\, Data & Insights at Xceedance\n\nData quality can make or break your underwriting decisions. \nJoin us as we explore the critical data challenges facing Australian underwriting agencies and brokers today—and discover practical strategies to overcome them. From inconsistent inputs to integration hurdles\, we’ll unpack the obstacles impacting your business and share actionable solutions to transform your data into a powerful competitive advantage. \nDon’t let poor data hold you back. \nLearning Objective\nDeveloping a firmer understanding of the challenges posed by poor data quality\, potential tactics for improving data quality and flow across the distribution chain\, and best practice for PAS integration projects. \nRegistrations: https://events.teams.microsoft.com/event/23dffddb-23b3-4680-bfcb-d129b94cf981@6d96f8f2-00e8-4ea1-9ba7-fd86f83ec1b3
URL:https://uac.org.au/event/getting-data-right-the-foundation-of-insurance-success/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/news/Xceedance-Logo_Blog_img.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260326T120000
DTEND;TZID=Australia/Sydney:20260326T130000
DTSTAMP:20260419T002047
CREATED:20251209T020027Z
LAST-MODIFIED:20251209T020027Z
UID:10000137-1774526400-1774530000@uac.org.au
SUMMARY:Where to Start: Marketing for Underwriting Agencies
DESCRIPTION:Presenters: Andrew Silcox – Managing Director\, Maria Gonzalez – Insurance Marketing Expert & Kim McNeil – Insurance Marketing Expert \nMany underwriting agencies run without a dedicated marketing team. You need a simple starting plan that supports brokers and leads to qualified enquiries. This highly practical session explains what to do first and what to pause. \nIncluding: \n\nSet one 90 day goal tied to enquiries\, quotes or meetings\nTranslate risk appetite into a clear customer and broker profile\nWrite a plain English one line message with three proof points\nFix website basics: home page\, one product page\, short quote or contact form\, visible phone number\n\nRegistrations: Microsoft Virtual Events Powered by Teams
URL:https://uac.org.au/event/where-to-start-marketing-for-underwriting-agencies/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/class-26/LA_Logo.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260324T120000
DTEND;TZID=Australia/Sydney:20260324T130000
DTSTAMP:20260419T002047
CREATED:20251209T015702Z
LAST-MODIFIED:20251209T015702Z
UID:10000136-1774353600-1774357200@uac.org.au
SUMMARY:Property Risk Mitigation - Best practice when insuring your property
DESCRIPTION:Presenters: Edwina Feilen – Head of Growth & Partnerships & Andrew Squires – Executive Director\n\nAn overview what risk mitigation means for your property assets\, the application of best practice principles to follow to derisk your property and the flow on impact applied when looking to obtaining insurance for your property assets. \nLearning Objectives: \n1. What is risk mitigation?\n2. The process of risk mitigation (what involved in and assessment & why)\n3. How risk mitigation applies to your property asset\n4. The impacts of what can happen if best practice is not followed. \n\nRegistrations: https://events.teams.microsoft.com/event/e92f077d-7485-438a-a1d3-3a09eed3a0e4@6d96f8f2-00e8-4ea1-9ba7-fd86f83ec1b3
URL:https://uac.org.au/event/property-risk-mitigation-best-practice-when-insuring-your-property/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/png:https://uac.org.au/wp-content/uploads/BSM-Members-logo/AssetInspect_logo.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260323T120000
DTEND;TZID=Australia/Sydney:20260323T130000
DTSTAMP:20260419T002047
CREATED:20251209T015416Z
LAST-MODIFIED:20251209T015416Z
UID:10000135-1774267200-1774270800@uac.org.au
SUMMARY:Introduction to technology risks
DESCRIPTION:Join Stella Gilson for a webinar on understanding the landscape of technology-related risks. Stella will unpack different types of tech companies in today’s market\, explore the key exposures these businesses face\, and outline what a truly comprehensive insurance policy should cover. She’ll also share real-world claims examples to illustrate how these risks materialise and what to look out for when placing tech-related accounts. \nDefined Learning Objectives: \n1. Define what constitutes a technology company and identify the characteristics that distinguish it from other business types.\n2. Recognise key exposures faced by tech companies\, including operational\, legal\, and cyber-related risks.\n3. Understand the essential components of a comprehensive tech insurance policy\, and what coverage should be considered. \nRegistrations: https://events.teams.microsoft.com/event/703b46ad-87e6-402e-a774-1db14c58bc66@6d96f8f2-00e8-4ea1-9ba7-fd86f83ec1b3
URL:https://uac.org.au/event/introduction-to-technology-risks/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/png:https://uac.org.au/wp-content/uploads/CFC_on-white_RGB.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260319T090000
DTEND;TZID=Australia/Sydney:20260319T140000
DTSTAMP:20260419T002047
CREATED:20250918T003841Z
LAST-MODIFIED:20260309T233927Z
UID:10000103-1773910800-1773928800@uac.org.au
SUMMARY:UAC 2026 Gold Coast Market Exchange
DESCRIPTION:The NEW UAC Market Exchange App is available for broker registration for the market exchange and supports scanning exhibitor QR codes.\nhttps://registration.crowdcomms.com/uacgcmx2026/register\nCertificates will be issued 2-3 weeks post the market exchange electronically using data from the App. Minimum 15 scans.\n5 NIBA CPD points\n\nAny questions relating to the Market Exchange\, contact Tracey Claridge: traceyclaridge@uac.org.au or mobile: 0433 447 574
URL:https://uac.org.au/event/uac-2026-gold-coast-market-exchange/
LOCATION:Gold Coast Convention and Exhibition Centre\, 2684-2690 Gold Coast Hwy\, Broadbeach\, QLD\, 4218
CATEGORIES:Expos
ATTACH;FMTTYPE=image/png:https://uac.org.au/wp-content/uploads/Gold-Coast-2025-Image.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260317T120000
DTEND;TZID=Australia/Sydney:20260317T130000
DTSTAMP:20260419T002047
CREATED:20251209T015111Z
LAST-MODIFIED:20251209T015111Z
UID:10000134-1773748800-1773752400@uac.org.au
SUMMARY:Cyber Insurance Objection Handling: Overcoming Common Misconceptions
DESCRIPTION:Presenter: Katrina Hickson – Head of Distribution \nThis session will provide practical responses and insights to help brokers guide clients toward a clearer understanding of the value and relevance of cyber insurance. \nLearning Objectives: \n– Recognise and address common misconceptions and objections to cyber insurance.\n– Develop informed responses to address client concerns.\n– Enhance client understanding of the value and relevance of cyber insurance. \nRegistrations: https://events.teams.microsoft.com/event/87abc0d9-93a5-4999-981e-5333bb176263@6d96f8f2-00e8-4ea1-9ba7-fd86f83ec1b3
URL:https://uac.org.au/event/cyber-insurance-objection-handling-overcoming-common-misconceptions/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/members-logo/Emergence-Logo.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260311T120000
DTEND;TZID=Australia/Sydney:20260311T130000
DTSTAMP:20260419T002047
CREATED:20251209T000759Z
LAST-MODIFIED:20251209T000759Z
UID:10000133-1773230400-1773234000@uac.org.au
SUMMARY:Attracting Top Talent Across Generations: How to Sell Your Business Story
DESCRIPTION:Presenters: Danielle Marshall – Co-Founder/Director & Jo Aitken – Client Solutions & Training Manager \nThis session explores how leaders can attract\, engage\, and retain talent across all ages and career stages by understanding what truly drives candidates today. Learn how to position your business and roles in a way that resonates with everyone from emerging Gen Z professionals to seasoned industry experts and build your brand as an employer of choice in a changing market. \nLearning Objectives: \n\nUnderstand: Gain insight into what motivates and attracts candidates across generations within the General Insurance industry.\nApply: Implement practical and proven strategies to effectively position your business and roles to appeal to diverse talent.\nEnhance: Build and refine a strong employer brand that highlights growth\, purpose\, and flexibility.\nAttract: Position your organisation as an employer of choice\, promoting a culture that engages and retains talent across all career stages.\n\nRegistrations: https://events.teams.microsoft.com/event/28c60e2a-19ae-42a9-8214-7f5d0326a5ba@6d96f8f2-00e8-4ea1-9ba7-fd86f83ec1b3
URL:https://uac.org.au/event/attracting-top-talent-across-generations-how-to-sell-your-business-story/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/BSM-Members-logo/Haylo-People-Logo.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260309T120000
DTEND;TZID=Australia/Sydney:20260309T130000
DTSTAMP:20260419T002047
CREATED:20251209T000528Z
LAST-MODIFIED:20251209T000528Z
UID:10000132-1773057600-1773061200@uac.org.au
SUMMARY:The Productivity Edge: Offshore Solutions for Brokers and Underwriters
DESCRIPTION:Presenter: Drew Schnehage – Director Global Business Development \nThis webinar will explore how insurance brokers and underwriters can strategically leverage outsourcing and offshore staffing to increase operational efficiency\, reduce costs\, and scale their businesses—without compromising service quality or compliance. \nBy the end of this webinar\, participants will be able to: \n\nIdentify key operational challenges facing brokers and underwriters in today’s insurance landscape\, including cost pressures and talent shortages.\nUnderstand the concept of offshore staffing\, including its structure\, common roles\, and how it differs from traditional outsourcing.\nEvaluate the strategic benefits of offshore staffing for insurance professionals\, including productivity gains\, cost efficiency\, and scalability.\nApply best practices for maintaining service quality\, data security\, and regulatory compliance when working with offshore teams.\nAnalyze real-world case studies to extract actionable insights and lessons learned from successful offshore staffing implementations.\nDevelop a roadmap for integrating offshore staffing into their business operations\, including partner selection\, onboarding\, and performance tracking.\n\nRegistrations: https://events.teams.microsoft.com/event/5bc90ac8-7dab-4bb8-b27f-6a0a5ab1abee@6d96f8f2-00e8-4ea1-9ba7-fd86f83ec1b3
URL:https://uac.org.au/event/the-productivity-edge-offshore-solutions-for-brokers-and-underwriters/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/png:https://uac.org.au/wp-content/uploads/ICS-Logo_Final.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260305T120000
DTEND;TZID=Australia/Sydney:20260305T130000
DTSTAMP:20260419T002047
CREATED:20251208T235534Z
LAST-MODIFIED:20251208T235534Z
UID:10000131-1772712000-1772715600@uac.org.au
SUMMARY:How climate risk is impacting Australian insurance markets
DESCRIPTION:Presenters: TBC \nWith insurance affordability in the spotlight across many classes\, climate issues are adding extra pressure today and are also likely to drive uncertainty in claims costs and insurance markets going forward. For MGAs\, this presents both challenges and opportunities: navigating capacity provider expectations\, responding to reinsurance market shifts\, and ensuring underwriting and pricing approaches remain sustainable and competitive. Underwriting agencies also play a key role in supporting brokers and distribution partners in explaining changing risks and premium movements to customers. \nThis session will enable underwriting agencies to get up to speed on climate risk and its impacts on their relationships with insurers and capacity providers. \nLearning Objectives: \n1. Increase the depth of participants’ familiarity with some key parts of the National Climate Risk Assessment and National Adaptation Plan and current and future potential impacts on insurance markets\n2. Increase the depth of participants’ familiarity with the key parts of mandatory climate-related financial disclosures\, who is impacted directly\, what needs to be disclosed and how it is likely to impact insurance markets \nRegistration: Microsoft Virtual Events Powered by Teams
URL:https://uac.org.au/event/how-climate-risk-is-impacting-australian-insurance-markets/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/Taylor-Fry-Logo.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260303T120000
DTEND;TZID=Australia/Sydney:20260303T130000
DTSTAMP:20260419T002047
CREATED:20251208T235155Z
LAST-MODIFIED:20260115T041703Z
UID:10000130-1772539200-1772542800@uac.org.au
SUMMARY:Offshore Staffing: The Secret Tips To Transform Your Business
DESCRIPTION:Presenter: Daniel Breese – GM Growth \nPresentation Summary: \n\nHow and When To Look At Offshore Staffing.\nWhich locations are best.\nHow to ensure data security and compliance.\nWhat the best businesses do\, and you can replicate.\n\nRegistrations: Microsoft Virtual Events Powered by Teams
URL:https://uac.org.au/event/offshore-staffing-the-secret-tips-to-transform-your-business/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/png:https://uac.org.au/wp-content/uploads/ASW-Logo-New-Tagline-scaled.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260302T120000
DTEND;TZID=Australia/Sydney:20260302T130000
DTSTAMP:20260419T002047
CREATED:20251208T225715Z
LAST-MODIFIED:20251208T225742Z
UID:10000129-1772452800-1772456400@uac.org.au
SUMMARY:Redefining Cyber Insurance: What a Good Policy Looks Like in 2026
DESCRIPTION:Presenters: Connor McKay & Laura Mansfield \nPresentation Summary: \n\nWhat you should look for\nHype from reality\nAI\n\nRegistration: https://events.teams.microsoft.com/event/e63b1b2a-85e4-4b52-aa59-f50dc6a0e118@6d96f8f2-00e8-4ea1-9ba7-fd86f83ec1b3
URL:https://uac.org.au/event/redefining-cyber-insurance-what-a-good-policy-looks-like-in-2026/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/members-logo/Coalition-Insuance-Logo.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260226T120000
DTEND;TZID=Australia/Sydney:20260226T130000
DTSTAMP:20260419T002047
CREATED:20260114T215545Z
LAST-MODIFIED:20260114T215545Z
UID:10000139-1772107200-1772110800@uac.org.au
SUMMARY:Claims Outlook 2026: trends\, coverage fault lines\, and emerging risks for brokers and underwriters
DESCRIPTION:Presenters: Mark Birbeck (Principal Lawyer) & Isabel Cusumano (Special Counsel) \nDelivered by Meridian Lawyers’ legal experts\, this webinar distils the risk dynamics that shaped Australian liability portfolios in 2025 and translates them into practical underwriting and broking priorities for 2026. \nThe webinar will spotlight how liability portfolios have absorbed persistent claims inflation\, and heightened litigation around psychiatric injury and worker to worker incidents. As well as examining emerging risks like forever chemicals and related environmental and product liability considerations\, the session will focus on the trends that matter\, highlight why they are accelerating\, and the pragmatic actions brokers\, underwriters\, and claims teams can take to protect portfolios and advise insureds effectively in 2026. \nLearning objectives\nAttendees will gain an understanding of: \n\nThe top liability claims themes of 2025\nThe areas to prioritise in 2026\nHow to decode claims inflation\nPsychiatric and nervous shock claims\nManaging worker to worker exposures\nDifferentiating PI v PL responses\nIssues around notification practices\nEmerging risks\n\nRegistrations: Microsoft Virtual Events Powered by Teams
URL:https://uac.org.au/event/claims-outlook-2026-trends-coverage-fault-lines-and-emerging-risks-for-brokers-and-underwriters/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/Meridian-lawyers-logo-blog.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260224T120000
DTEND;TZID=Australia/Sydney:20260224T130000
DTSTAMP:20260419T002047
CREATED:20251208T224520Z
LAST-MODIFIED:20251208T224520Z
UID:10000128-1771934400-1771938000@uac.org.au
SUMMARY:The Candidate's Hiring Experience
DESCRIPTION:Presenters: Aaron White – QLD Team Leader – Insurance & Wealth Management & Madeleine Martin – National Manager – Insurance & Finance \nIn today’s competitive talent market\, creating a positive candidate experience can make the difference between securing top talent and losing them to competitors. This session will explore practical strategies employers can adopt – both directly and in partnership with recruitment agencies – to stand out as an employer of choice. \nWe’ll discuss how to: \n\nConduct interviews that are engaging\, professional and reflective of your company culture.\nWork with your recruitment partners to ensure timely follow-up and clear communication with candidates.\nBalance speed to market with thorough assessment to avoid losing strong candidates.\nShowcase your organisation and employee value proposition throughout the hiring process.\nClearly and accurately describe the role so both candidates and agencies can set expectations from the start.\nMinimise candidate drop-off by streamlining processes and maintaining engagement from application to offer.\n\nBy the end of the session\, attendees will have actionable insights into how to elevate their recruitment approach\, strengthen employer brand perception and make the most of their partnerships with agencies to secure better hires. \nRegistrations: Microsoft Virtual Events Powered by Teams
URL:https://uac.org.au/event/the-candidates-hiring-experience/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/jpeg:https://uac.org.au/wp-content/uploads/Fuse-Logo-1000x1000-1.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260223T120000
DTEND;TZID=Australia/Sydney:20260223T130000
DTSTAMP:20260419T002047
CREATED:20260118T234525Z
LAST-MODIFIED:20260122T005946Z
UID:10000140-1771848000-1771851600@uac.org.au
SUMMARY:Common disputes in construction insurance: defects and duration
DESCRIPTION:Presenter: Kishan Dasan – General Manager \nPresentation Summary\nThis presentation provides a clear and practical overview of the most common disputes in construction insurance\, focusing on defects and project duration. It explains how these disputes arise\, how policy wordings such as defect exclusions and duration‑related conditions are interpreted\, and why misunderstandings often lead to differing expectations between insurers\, brokers\, and insureds. Using real‑world claim scenarios\, the session highlights how coverage decisions are formed and identifies the key drivers behind frequent disputes—such as ambiguous workmanship issues\, unclear timelines\, and documentation gaps—equipping attendees with greater confidence in navigating these complex areas.\n \nLearning Objectives \n1. General understanding of key types of construction insurance disputes related to defects and project duration \n2. General interpretation of policy wordings relevant to defects and duration disputes \n3. General evaluation of real‑world claim scenarios to determine coverage outcomes \n4. Identify why defects and duration are commonly disputed areas in the industry \nRegistrations: Microsoft Virtual Events Powered by Teams
URL:https://uac.org.au/event/common-disputes-in-construction-insurance-defects-and-duration/
CATEGORIES:Education & Training
ATTACH;FMTTYPE=image/png:https://uac.org.au/wp-content/uploads/MECON_Primary-GREEN-PURPLE-scaled.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=Australia/Sydney:20260219T120000
DTEND;TZID=Australia/Sydney:20260219T130000
DTSTAMP:20260419T002047
CREATED:20251205T005752Z
LAST-MODIFIED:20251205T005752Z
UID:10000127-1771502400-1771506000@uac.org.au
SUMMARY:Navigating AFCA Complaints
DESCRIPTION:Presenter: Marjana Cvetanoska – Founder/CEO at Corporate Overhaul \nPresentation Summary \nTo equip financial services professionals with the knowledge and practical skills needed to effectively manage complaints lodged with the Australian Financial Complaints Authority (AFCA)\, ensuring compliance\, timely resolution\, and improved client outcomes. \nLearning Objectives \n\nUnderstand AFCA’s role as an external dispute resolution body and its jurisdiction.\nIdentify what constitutes a complaint and the importance of early engagement.\nLearn the step-by-step AFCA complaint process\, including registration\, referral\, and decision-making stages.\nExplore best practices for responding to complaints\, including vulnerability considerations\, transparency\, and collaboration.\nGain insights into common pitfalls and how to avoid them\, including record-keeping and limitation periods.\nNavigate the AFCA member portal for complaint management and reporting.\n\nRegistrations: Microsoft Virtual Events Powered by Teams
URL:https://uac.org.au/event/navigating-afca-complaints/
CATEGORIES:Education & Training
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END:VEVENT
END:VCALENDAR