Our Business Insurance Services

 

Property

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
 

Business Interruption

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
 

Glass

Breakage of internal and external glass and signs. Includes:

  • Signwriting
  • Temporary boarding
  • Replacement of damaged window frames

Broadform Liability

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
  • Pollution
  • 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

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:

 
  • Burglary
  • Contract Works
  • Corporate Travel
  • Householders
  • Industrial Special Risks
  • Landlords
  • Livestock and Bloodstock
  • Machinery Breakdown
  • Marine Cargo / Transit
  • Marine Hull
  • Motor / Car
  • Fidelity Guarantee
  • Audit & Investigation
  • Directors & Officers Liability
  • Workers’ Compensation
  • Group Personal Accident
  • Burglary
    Theft of property following forcible and violent entry to premises.
  • Contract Works
    Loss or damage to the project during construction.
  • Corporate Travel
    Costs following accident or illness whilst traveling.
  • Householders
    Loss or damage to residential premises and their contents.
  • Industrial Special Risks
    Fire, Perils & Accidental Damage to fixed assets (For larger asset values).
  • Landlords
    Loss / damage to residential investment properties.
  • Livestock and Bloodstock
    Loss following death or loss of use of valuable animals.
  • Machinery Breakdown
    Cost to repair following mechanical or electrical breakdown of plant and equipment.
  • Marine Cargo / Transit
    Damage to goods while in transit.
  • Marine Hull
    Damage to private and commercial vessels and related equipment.
  • Motor / Car
    Loss of damage to registered vehicles.
  • Fidelity Guarantee
    Losses due to the dishonesty of employees.
  • Audit & Investigation
    Expenses due to unexpected audits required by any statutory body, including Australian Tax Office.
  • Directors & Officers Liability
    Damages following a wrongful act committed by the directors or officers of a company.
  • Workers’ Compensation
    Providing cover for employers’ liability for injury to employees, Act benefits and at Common Law.
  • Group Personal Accident
    Provides a group of people with cover for death or disability at much lower rates than can be provided individually.


 

Have you got a Question?

Or would you like further information on our business insurance policies?
Ask us how we can tailor your business insurance needs today.

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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.

 
Click here for more information