Our Business Insurance Services
Damage to buildings, contents and stock caused by fire & perils and accidental damage. Includes:
- Automatic Removal of Debris
- Accidental Damage
- Temporary removal cover up to 20% of your sum insured, covered for 90 days
The shortfall in your business income caused by the interruption to your business following an insured loss. Includes:
- Cover following a loss under Fire, Money, Burglary, Glass, Electronic Equipment and Property sections of the policy;
- Cover for Gross Profit, Gross Revenue, Payroll and Gross Rental income
- Accountants fees
- Additional increased cost of working
Theft and Money
Theft of your business contents, stock and money. Includes:
- Seasonal increases of 50% above your sum insured for 60 days before Christmas, and 30 days before Good Friday
- Replacement of locks and keys
Breakage of internal and external glass and signs. Includes:
- Temporary boarding
- Replacement of damaged window frames
Your legal liability to pay compensation for personal injury or property damage. Includes:
- Limits up to $20,000,000
- Cover for Third Party pets in your Care, Custody and Control (Petplan Exclusive)
Business Practices/Management Liability:
You as a business owner can be held responsible for not only your own actions but also action of others. Provides cover for defence costs as well as fines or penalties arising out of a breach of an Act of Parliament including:
- Occupational Health & Safety Act (if workers compensation investigate your business following an injury to an employee/contractor)
- Chain of Responsibility
- Environmental Protection Agency
- Liability for damages and legal costs incurred due to Employment Practices, i.e. wrongful termination, failure to promote, refusal to employ, demotion, harassment (including invasion of privacy), unlawful bullying etc
- Protects directors’ and employees’ personal assets from wrongful acts undertaken in performing their duties of responsibility
Professional Indemnity insurance is designed for professionals who provide advice or a service to their customers. It is designed to protect you against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of professional duty in the course of your business.
Other insurance products we offer include:
- Contract Works
- Corporate Travel
- Industrial Special Risks
- Livestock and Bloodstock
- Machinery Breakdown
- Marine Cargo / Transit
- Marine Hull
- Motor / Car
- Fidelity Guarantee
- Audit & Investigation
- Directors & Officers Liability
- Workers’ Compensation
- Group Personal Accident
BurglaryTheft of property following forcible and violent entry to premises.
Contract WorksLoss or damage to the project during construction.
Corporate TravelCosts following accident or illness whilst traveling.
HouseholdersLoss or damage to residential premises and their contents.
Industrial Special RisksFire, Perils & Accidental Damage to fixed assets (For larger asset values).
LandlordsLoss / damage to residential investment properties.
Livestock and BloodstockLoss following death or loss of use of valuable animals.
Machinery BreakdownCost to repair following mechanical or electrical breakdown of plant and equipment.
Marine Cargo / TransitDamage to goods while in transit.
Marine HullDamage to private and commercial vessels and related equipment.
Motor / CarLoss of damage to registered vehicles.
Fidelity GuaranteeLosses due to the dishonesty of employees.
Audit & InvestigationExpenses due to unexpected audits required by any statutory body, including Australian Tax Office.
Directors & Officers LiabilityDamages following a wrongful act committed by the directors or officers of a company.
Workers’ CompensationProviding cover for employers’ liability for injury to employees, Act benefits and at Common Law.
Group Personal AccidentProvides a group of people with cover for death or disability at much lower rates than can be provided individually.
Interested in Pet Insurance for your Cat, Dog or Horse?
We also offer an extensive range of cover options to suit your pet, from our quality 12 Months Essential plan, right through to our signature Covered For Life options.