Highly Respected National Provider

of brokered insurance products and services.

LTM Risk - Profile

Based in Perth, Western Australia, LTM Risk Partners is a highly respected national provider of brokered insurance products and services.

The firm was established back in 1972, and in these early years the focus was on providing general insurance products. But as client requirements changed so did the LTM service offering, with the result being an extended client base that included corporate and commercial customers.

More recently, LTM has again broadened its client base and today the firm is the appointed preferred insurance broker to many state and national insurance facilities.

In fact, LTM Risk Partners is widely recognised as being a specialist provider of innovative broking services for an extremely diverse range of industry groups and associations from dry cleaners and launderers through to earthmoving contractors and eisteddfod operators.

LTM has also developed long-term strategic relationships with all major Australian insurers. The firm also has agreements to place insurance with approved international insurance providers including Lloyds

In fact, LTM Risk Partners is widely recognised as being a specialist provider of innovative broking services for an extremely diverse range of industry groups and associations from dry cleaners and launderers through to earthmoving contractors and eisteddfod operators.

LTM has also developed long-term strategic relationships with all major Australian insurers. The firm also has agreements to place insurance with approved international insurance providers including Lloyds

Steadfast

LTM Risk Partners is a Steadfast Broker

LTM Risk Partners product and service provision includes:

  • Business Insurance
  • Professional Indemnity Insurance
  • Public and Products Liability Insurance
  • Workers Compensation Insurance
  • Medical Professional Insurance
  • Construction Insurance
  • National Franchise Insurance Programs
  • Community-based Association Insurance Programs
  • Child Care Insurance
  • Sport and Leisure Insurance
  • Dry Cleaner and Commercial Launderer Insurance
  • Eisteddfod and Dance Liability
  • State and National-based Insurance Programs
  • Custom-Built Online Insurance Services
 

Our People

Our People
Rod Tancred
StaffRodTancred

Rod Tancred

DIP FIN SERV (BROKING), QPIB, CD

DIRECTOR

Rod is responsible for operational management of the firm and leads the medical and professional client portfolio. Rod has nearly 35 years experience in the general insurance sector, senior management experience and broking roles. Rod oversees the retail team and is constantly looking for new ways to improve the products and services we provide to our clients.

Phone: (08) 9201 3402
Mobile: 0411 724 891
Email: rod.tancred@ltmrisk.com.au

Darryl Morris
StaffDarrylMorris

Darryl Morris

JP CIP

DIRECTOR

Darryl's responsibilities include overseeing the financial, marketing and business development operations for the firm. Additionally, Darryl manages his own portfolio as well as a team of account executives and their broker assistants. Darryl has had over 30 years experience in the general insurance sector incorporating senior management and broking roles. Darryl's team is continually striving to develop and implement new and innovative facilities throughout Australia.

Phone: (08) 9201 3403
Mobile: 0439 978 036
Email: darryl.director@ltmrisk.com.au

Pip Roberts
pip

Pip Roberts

SENIOR ACCOUNT EXECUTIVE

Pip has recently joined LTM after working in the Corporate Insurance Sector for the past seven years at a major global insurance broker.  Pip is responsible for a corporate portfolio of clients and the ongoing development of the company's interests to the Affinity Insurance program across Australia.

Phone: 08 9201 3401
Mobile: 0419 834 005
Email: pip.roberts@ltmrisk.com.au

Susan Lynch
sue

Susan Lynch

OFFICE MANAGER

Before joining LTM, Susan worked in predominately in the professional services area.  She has experience in a diverse range of industries including advertising, forensic psychology and more recently intellectual property.   Susan’s role at LTM involves dealing with non-insurance-related client matters, issues relating to compliance, HR, IT and finance.

Phone: 08 9201 3408
Mobile: 0407 089 052
Email: susan.lynch@ltmrisk.com.au

David O'Reilly
StaffDavidOreilly

David O'Reilly

CIP

SENIOR ASSOCIATE

David has 25 years experience in the Australian Insurance market - with senior management experience and over ten years Broking experience. He is responsible for the management of his diverse portfolio of business clients. Please contact David today to gain the benefit of his experience and high service ethic.

Phone: (08) 9201 3413
Mobile: 0448 669 000
Email: david.oreilly@ltmrisk.com.au

Malcolm Campbell
StaffMalcolmCampbell

Malcolm Campbell

AR No: 354521

AUTHORISED REPRESENTATIVE

With nearly 30 years experience and having worked in many diverse insurance industry roles, Malcolm is one of our Authorised Representatives. Malcolm has a substantial portfolio of SME clients – and, thanks to Malcolm's focus on providing exceptional service, many of these clients have been with him for significant periods of time.

Phone: (08) 9201 3420
Mobile: 0424 445 194
Email: malcolm.campbell@ltmrisk.com.au

Bob Dawson
StaffBobDawson

Bob Dawson

AR No: 482187

AUTHORISED REPRESENTATIVE

With nearly 45 years insurance experience (28 years of those dedicated to broking), and having held senior positions in underwriting, claims management and broking, Bob is an industry stalwart. Bob managers a growing portfolio of SME businesses across a spectrum of industries including contracting and earthmoving, the bus and coach industry, and sporting risks.

Phone: (08) 9201 3406
Mobile: 0409 924 569
Email: bob.dawson@ltmrisk.com.au

 

Products

Our Products
Professional Indemnity
ProductProfessionalIndemnity4

Professional Indemnity

In the course of business, companies sometimes find themselves in disputes over alleged failures of their services or products that have caused financial damage to third parties. A Professional Indemnity policy will cover defence and settlement expenses associated with services provided as a consultant, designer, professional (accountant, healthcare worker, engineer, etc) as well as policies that cover products such as technology and other equipment.

LTM is one of the leading providers of Professional Indemnity insurance. Our specialist knowledge and access to a range of markets means we are able to offer a wide choice of quality products.

Technology Insurance

LTM recognises the Information Technology sector is one of the fastest growing markets, we can offer a sophisticated yet seamless insurance solution. We have access to a range of information technology products, which can be tailored to the specific needs of your business. The policies all offer a comprehensive combined Professional Indemnity and Public and Products Liability solution with separate limits and deductibles.

Public and Products Liability
ProductPublicProductsLiability2

Public and Products Liability

Legal liability to pay compensation (including legal expenses) to third parties in the event of the Insured causing injury, death or loss of or damage to property arising out of business operations or products.

This is new text!

Workers Compensation
ProductWorkersCompensation3

Workers Compensation

All employees injured by accident or industrial disease arising out of or in the course of their employment are legally entitled to compensation under the various Workers’ Compensation statutes. The Acts in each State and Territory require employers in Australia to maintain compulsory “no fault” insurance to cover their legal liability.

Sports Insurance
ProductSportsInsurance3

Sports Insurance

Many Risks - One Solution

Platinum Liability is the ultimate liability solution for your sports, leisure and licensed club clients. Platinum Liability has been developed with both brokers and clients in mind using a single comprehensive wording incorporating General Liability, Professional Indemnity and Management Liability.

Construction Insurance
ProductConstructionInsurance3

Construction Insurance

Covers loss, destruction of or damage to contract works and all materials ascribed to the contract whilst in transit or on or adjacent to "the insured site". (Cover applies both during the construction and maintenance periods and is tailored to reflect the particular risks specified that relate to construction contracts). Can also cover legal liabilities for injury to any person(s) and/or damage to any property of third parties arising out of the construction / maintenance operations.

Section 1 - General Liability - Bodily Injury, Property Damage and Advertising Injury.
Section 2 - Professional Indemnity - Breach of Professional Duty.
Section 3 - Management Liability - Directors and Officers, Club or Entity Liability, Employment Practices Liability, Club or Entity Reimbursement.

Platinum Liability incorporates covers that are traditionally purchased under three separate contracts. There are significant benefits in insuring a client’s complete liability exposure, be it general, professional or management, under the one contract with the one insurer.

Generally clients understand the importance of a liability policy and player accident cover, however they often overlook the professional risks of running a club, association or business. Platinum Liability has been structured in such a way that Management Liability Coverage is an easy and affordable extension.

National Drycleaners Insurance
ProductNationalDrycleanersInsurance3

National Drycleaners Insurance

LTM Risk Partners has the following endorsements:

  • Insurance broker to the West Australian Dry Cleaners Association
  • Preferred insurance broker to the Victorian Dry Cleaners Association

With many years experience in providing specialist Dry Cleaner insurance, LTM Risk Partners is clearly Australia’s largest endorsed provider of insurances to the Dry Cleaning Industry. As a dry cleaner, you will receive the lowest possible insurance premiums for your business insurance, with even further discounts for being a member of your state association.

Our products include:

  • Business insurance for all your commercial risk exposures
  • Public Liability including damage to garments in your control
  • Goods in Transit covering clothing whilst contained in your delivery vehicles
  • Machinery Breakdown covering the mechanical and electrical breakdown of all machinery
  • Motor Vehicles featuring low cost premiums for your delivery vans
  • Workers Compensation is subject to state legislation
  • Payment options are simple and low cost enabling you to spread your insurance premiums over a 12-month period.

WHAT DO I NEED TO DO?

For a quick and easy quotation call Darryl Morris or Belinda Caunt on 1800 640 264 seven days a week or click here to contact us via email. Our guarantee is to significantly reduce your insurance costs improve claims handling and provide an unbeatable insurance contract.

Medical Professionals Insurance
ProductMedicalProfessionalsInsurance3

Medical Professionals Insurance

LTM Risk Partners has specialised in arranging insurance for over 30 years for clients in a vast range of medical professions including general practitioners, specialists, radiologists, dentists, veterinarians, etc.

With our experience in this field, we have been able to negotiate excellent products and policy wordings for our clients. Our reputation in service, including claims delivery has been paramount in the longevity of our relationships with many of Perth’s leading medical professionals and practices.

Call Rod Tancred on 0411 724 891 to discuss your insurance requirements in this area.

National Launderers Insurance
ProductNationalLaunderersInsurance3

National Launderers Insurance

LTM Risk Partners has the following endorsements:

  • Insurance Broker to the South Australian Textile, Rental-Linen Association
  • Insurance Broker to the West Australian Textile, Rental-Linen Association

As a Commercial Launderer you will receive the lowest possible insurance premiums for your business insurance, with even further discounts for being a member of your state association.

Our products include:

  • Business Insurance for all your commercial risk exposures
  • Public Liability
  • Goods in Transit covering linen whilst contained in your delivery vehicles
  • Machinery Breakdown covering the mechanical and electrical breakdown of all machinery
  • Motor Vehicle featuring low cost premiums for your delivery vehicle
  • Workers Compensation is subject to state legislation

Payment options are simple and low cost enabling you to spread your insurance premiums over a 12-month period.

WHAT DO I NEED TO DO?

For a quick and easy quotation, call Darryl Morris on 1800 640 264 seven days a week or click here to contact us via email.
Our guarantee is to significantly reduce your insurance costs, improve claims handling and provide an unbeatable insurance contract.

 

Claims

"We Deliver"

Part of your selection criteria in choosing an insurer should be based on their ability to “Deliver”. Here at LTM,
in many cases we are able to lodge claims with no claim form completion.

LTM Risk - Profile

If the need arises to make a claim, contact our Claims Coordinator on 1800 640 264 or email claims@ltmrisk.com.au and you will be provided with guidance and assistance in your claim ensuring a smooth and timely process. Should an emergency occur on the weekend and you require a more immediate response, we have provided the emergency contact for our underwriting partners.

We have also provided our standard claim form, these can be used to lodge a claim in most cases and may be useful to collate the information that will be required when you lodge your claims with our Claims Coordinator.

Online Services

LTM Online Services include:

National Franchise Insurance Brokers

News

LTM Risk Partners listed in Insurance Business Top Ten Brokerages in Australia for 2012

For the first time ever Insurance Business magazine has offered an independent ranking of the very finest firms in the brokering space and LTM Risk Partners, the parent company of National Franchise Insurance Brokers, and NFIB have ranked overall ninth nationally. The Insurance Business ranking system is an entirely objective means of ranking the best performing insurance brokers in the country. To measure the success of each eligible firm eight measurements were considered including:

Total revenue

Policies written

Revenue per broker

Policies per broker

New clients per broker

New revenue per broker

Company growth

Client retention

LTM and NFIB combined were ranked first in Company Growth and second in Client retention, two achievements that have ben a focus for the businesses over the last twelve months.

LTM’s charitable contribution to the community was also recognised, a corporate responsibility taken very seriously by a Charity Committee who organises monthly donations to local, national and international charities.

Rod Tancred, Executive Director of LTM Risk Partners, says “Very strong corporate and financial management of our company has allowed us to maintain strong and healthy growth. We also have clear ongoing strategies for the growth of our business which has often led us being refereed to by industry peers as being very innovative and progressive”.

Rod states that what makes a good insurance brokerage is “the right team around you to provide quality service and advice to your clients”.

Well done to LTM Risk Partners and National franchise Insurance Brokers on this outstanding achievement!

To view the full article click here

LTM Directors visit Lloyds of London

"Recently, LTM Directors visited Lloyds in London to meet some key players regarding some exciting opportunities for the company".

To view the full article click here

Business Franchisor

Recently, National Franchise Insurance Brokers (NFIB), our new online provider of insurance services for franchisors, franchisees and franchise businesses was promoted in Business Franchisor

To view the full article click here

Charities

LTM Charity Committee

The LTM Charity Committee is dedicated to sponsoring local, national and international charities by making donations and holding fundraisers. Each month a charity group is selected to receive a cash donation and an invitation to morning......

read more

LTM Charity Committee

How to Contact Us

Freecall: 1800 640 264

Phone: (08) 9201 3400

Fax: 9201 3444

Email: info@ltmrisk.com.au

Address:
Suite 5 and 6
156 Oxford Street
Leederville
Western Australia 6007

Mail:
PO Box 495
Leederville
Western Australia 6903

View LTM Risk Partners in a larger map

FAQ

Why do I need a broker?

Insurance brokers fill the role of providing professional advice relating to your insurance needs. Gaining proper insurance advice from a qualified insurance broker can save you time and money when negotiating the array of insurance options available today - whether you are a sole trader, small business owner or a corporate client.

A major advantage of using a broker is that the broker gives you access to a large range of insurance options from which the particular policy which suits your needs can be recommended. A qualified broker can advise on the costs and exclusions of the policies you are considering and provide impartial advice, an explanation of the policy you have chosen, as well as arranging the cover for you.

By using a broker, it is often possible to take advantage of cost savings which may have been negotiated directly with the insurance company with the broker. All commissions and fees payable to the broker will be discussed up-front so there are no surprises when your policy statement becomes due.

All of our brokers maintain the industry's highest professional and ethical standards. With regular training and professional development, our staff are kept up to date with the latest industry trends and developments, so you can be assured of a high quality broking experience with LTM.

What are the Statutory Charges that appear on my Invoice?

Statutory charges are compulsory "Government Charges" or taxes that are added to insurance premiums and collected by the Treasury.

The Insurer and Broker receive none of the funds collected. These charges include the following and other than GST, vary from State to State:

  • Fire Service Levy (FSL)
  • Goods & Services Tax (GST)
  • Stamp Duty (SD)
  • Supplementary Levy

How can I pay my account?

Our payment options are noted on the back of you invoice they include:

  • Bpay
  • Deft online or over the phone
  • Cheque made payable to LTM Risk Partners
  • Port Billpay
  • EFT

Will I need to complete a claim form?

Some motor vehicle and property claims can be lodged over the phone and will not require a claim form.

To find out if a claim form is required, please contact our claims team. If required they can then forward a form to you by e-mail, fax or post.

How are insurance brokers licensed and what controls are there?

Insurance brokers are licensed by the Australian Securities and Investments Corporation (ASIC). LTM holds a Financial Services Licence as is required by law.

LTM’s Financial Services Licence Number is 245374.

What insurance policies do I need?

This depends on the type of business you are in. New insurance policies are being developed constantly as the world and the risks you face change. As an example, even 20 years ago how many businesses would have considered having insurance for loss of profits due to computer crime? LTM’s brokers undergo regular training and remain abreast of all developments within the industry, so they are well placed to regularly review your risk areas and advise accordingly.

If my circumstances change do I need to review my insurance?

Absolutely, A change of circumstances may mean the insurance you have in place is no longer current. It may be that your circumstances change in a way that means your risk is reduced and you're paying too much, or that your risk is increased and you're exposed to uninsured losses. Either way, advising your broker of your changes will allow them to review your insurances and ensure your policies remain relevant. It's advisable to review your insurance regularly - at the very least annually - because changes may have taken place that alter your risk profile, and the policies available to cover your risks may also have changed.

Should I simply look for the cheapest policy?

Insurance policies can be very complex, and the cheapest policy will not always meet all of your needs. Sometimes what is left out of a policy is as important as what is included, and the cheapest option may omit a risk that you cannot afford to carry yourself. Interpreting the terms of the policy is part of your LTM broker's role and you should listen to their advice as you would a professional. Although the policy cost will always be a factor, ensuring you have the right cover in place when it comes the time to make a claim is vital, and our top priority.

What is a Financial Services Guide (FSG)?

A Financial Services Guide (FSG) must be given to a potential client by a licensee (or an Authorised Representative) as soon as practicable. It sets out information in regards to how we do business such as:

  • Documenting the standard basis on which we act for the client.
  • Providing all statutory notices and other information required by law (e.g. how we get paid).
  • Explaining how we will handle a client’s business.

LTM's Financial Services Guide is readily available by contacting one of our offices or by clicking the FSG link at the bottom right hand side of the page.

 

Testimonials

"The test of the quality of your insurance is what happens when you need to make a claim. When our business was hit hard in the recent flooding, I was so glad that we had a good broker on our side.

Darryl acted with urgency, advised us on how to optimize our claim, and took care of the paperwork. He made it easy for us to get back on our feet and trading again."

Veronica Kypros

Director – Sole Sisters Thai Massage
St Kilda, Victoria

"We are in our third year with LTM Risk and could not be happier, we are still others to their services, despite the tyranny of distance the service and communication have been 1st class. Even though luckily, our claims have been minimal the attention to detail has been great.

As an added bonus Darryl and his team has enabled us to make savings on our premiums we have had to pay."

Howard Duffy

Bells Dry Cleaning and Foxys Fast Fotos

"I was very satisfied with my recent dealings with LTM Partners. Both Darryl and Belinda were able to answer my questions and were responsive to my needs. I felt confident with their demeanour plus at the end of the day they were able to achieve a significant reduction on our premium."

Carlo Colosimo

Director

"I operate five shops along with my wife; we employ twenty staff and have been in the dry cleaning business for nearly thirty years. We have used Darryl and LTM Risk Management for more than fifteen years. We find their company and their staff brilliant to deal with. We have a set of affordable tailor-made policies that suit dry cleaning type businesses.

LTM follow through your claims and organise quick settlement. Both my wife and I would like to thank Darryl Morris from LTM Risk Management for taking the time to get insurers to come up with a great set of policies suited to our style of business and for getting our premiums down over the years. I believe that LTM Risk Management is the largest insurer for dry cleaners throughout Australia."

Haydn and Sue Raitt

Farrington Dry Cleaners
Western Australia

"In our dealings with LTM/CGU we have found them to be extremely professional and very helpful when handling claims. We were unfortunate enough to lose our business to fire and they have made the claims process smooth and hassle free during this difficult time. I would not hesitate to recommend them to other businesses and look forward to a continued relationship with them."

Matthew Parkinson

Maitland Dry Cleaners

"Just a quick note to say thank you for all the time and effort you and your staff have done for myself and my family. I have dealt with insurance companies in the past through my work while working in the automobile industry, things do not always go the way you think they should, but in dealing with your company it made everything was made nice and straight forward.

I would recommend your company to others through business and also on a personal basis and have already done so on both business and personal levels.

Thank you again for being there when you were needed and again for making the process so straight forward."

Mark Harpham

Hire A Hubby
Sandy Bay

"As a result of asking LTM Risk Partners to review our insurance policy, we were able to save more than 40% on our last premium. Darryl was able to advise us on a few shortcomings in our cover, and we now have a far superior policy at a much lower cost than the original.

I recommend everyone should speak to Darryl to ensure that the cover they have is adequate, and that they are paying a fair price."

Paul Del Din

Director - Big Mouth
St Kilda, Victoria

"As a result of asking LTM Risk Partners to review our insurance policy, we were able to save more than 40% on our last premium. Darryl was able to advise us on a few shortcomings in our cover, and we now have a far superior policy at a much lower cost than the original.

I recommend everyone should speak to Darryl to ensure that the cover they have is adequate, and that they are paying a fair price."

Paul Del Din

All documents presented on the LTM Risk Partners web site are summaries of certain issues of interest or concern to current or potential insurance buyers. They are not intended to and do not cover all aspects of the law on the relevant subject matter. Professional advice should be sought before any action is taken based upon the matters described and discussed in these articles.

Privacy

We are covered by the Privacy Amendment (Private Sector) Act 2000 and its National Privacy Principles (NPPs), which set out standards for the collection, use, disclosure and handling of personal information.

Personal information is essentially information or an opinion about a living individual whose identity is apparent or can reasonably be ascertained from the information or opinion (e.g. a name and address).

Our Privacy Policy applies to any personal information we collect, use or disclose after 21 December 2001. It does not apply to our employee records.

How and why we collect personal information

We collect personal information either directly from the relevant individuals or indirectly from third parties.

For example, an insured may not only provide us with information on themselves for the purpose of obtaining our services but also on other insured’s who they represent. We may also obtain personal information from past insurers, witnesses to claims, health care workers and publicly available sources etc. We collect personal information to be able to provide our various services. These include insurance broking, claims management, risk management consulting, other forms of insurance services (including underwriting and reinsurance).

We also use it to help to develop and identify products and services that may interest clients, conduct market or customer satisfaction research, develop, establish and administer alliances and other arrangements with other organisations in relation to the promotion, administration and use of our respective products and services. For more information on our services please contact us.

How we use and disclose personal information

We do not use or disclose personal information for any purpose that is unrelated to our services and that you would not reasonably expect (except with your consent). We have a duty to maintain the confidentiality of our clients' affairs, including personal information. Our duty of confidentiality applies except where disclosure of your personal information is with your consent or compelled by law. We usually disclose personal information to third parties who assist us or are involved in the provision of our services.

For example, in arranging and managing your insurance needs we may provide information to insurers, reinsurers, other insurance intermediaries, insurance reference bureaus, our advisers such as loss adjusters, lawyers and accountants, and others involved in the claims handling process. We also provide it to purchasers of our business and related companies.

We take reasonable steps to ensure that your personal information is accurate, complete, and up to date whenever we collect or use or disclose it. If the required personal information is not provided, we or any involved third parties may not be able to provide appropriate services.

What we expect of you and third parties we deal with

What you must tell us, when answering questions you must honest and you have a duty under law to tell us anything known to you, and which a reasonable person in the circumstances would include in an answer to a question. If you do not answer our questions in this way, the underwriter may reduce or refuse to pay a claim or cancel the Policy. If you answer our questions fraudulently, the underwriter may refuse to pay a claim and treat the Policy as void (that is, as if the policy had never existed).

When you provide us with personal information about other individuals, we rely on you to have made them aware that you will or may provide their information to us, the purposes we use it for, the types of third parties we disclose it to and how they can access it (as described in this document). If it is sensitive information we rely on you to have obtained their consent to the above. If you have not done either of these things, you must tell us before you provide the relevant information.

If we give you personal information, you and your representatives must only use it for the purposes we agreed to. Where relevant, you must meet the requirements of the National Privacy Principles set out in the Privacy Act 1988, when collecting, using, disclosing and handling personal information on our behalf; you must also ensure that your agents, employees and contractors meet the above requirements.

Security of your personal information

We endeavour to protect any personal information that we hold from misuse and loss, and to protect it from unauthorised access, modification and disclosure. For example - We maintain physical security over our paper and electronic data stores and premises, such as locks and security systems. We also maintain our computer and network security; for example, we use firewalls (security measures for the Internet) and other security systems such as user identifiers and passwords to control access to computer systems.

It is a legislative requirement that we keep all personal information and records for a period of 7 years. Should you cease to be a client of ours, we will maintain your personal information on or off site in a secure manner for 7 years. After this, the information will be destroyed.

Transfer of information overseas

We may transfer your personal information overseas where it is necessary to provide our service. For example, we sometimes use the Internet to collect and process information. In addition, some insurers or reinsurers are based overseas and we need to provide your personal information to them to arrange your cover. In most cases, we only do this with your consent.

Opting out

If we send you any information about services or products, or you do not want us to disclose your personal information to any other organisation (including related bodies corporate) you can opt out by calling our Privacy Officer on (08) 9201 3400.

How to contact us

If you wish to gain access to your personal information, or you want us to correct or update it, or you have a complaint about a breach of your privacy, or any other query relating to our Privacy Policy, contact our Privacy Officer during business hours on: Telephone: (08) 9201 3400 Mail: PO Box 495
 Leederville
 Western Australia 6903