What do you need to cover?
Public & Products LiabilityPublic Liability Insurance is the financial benefit that will be paid to the insured or on behalf of the insured for all sums that become legally liable to be paid by way of compensation in respect of personal injury or property damage that occur during the period of insurance and which are caused by an occurrence within the business of the insured.
Professional IndemnityCovers your professional liability to compensate others for financial loss arising out of negligent acts, errors or omissions committed (or alleged to have been committed) by you during the conduct of your business.
Management Liability / D & ODirectors & Offices Provides cover for claims against directors and officers for any actual or alleged wrongful acts in the performance of their duties
Statutory Liability Provides cover for investigations, defense and possible penalties that may be awarded for a statutory breach
Employment Liability Cover for claims alleging an employment breach such as discrimination, harassment or wrongful dismissal and more.
Company Liability Provides cover for the Company for the costs and expenses incurred in defending and settling third party claims. Extended to provide cover for Fidelity Loss, Internet Liability and Tax Audit Costs.
Fidelity Provides cover for the Insured against losses incurred thorough dishonesty by employees
Tax Audit Professional Fees charged by your accountant in connection with you being audited or investigated by the Taxation Office
Transport Package/ Truck InsuranceCommercial Motor Downtime Cover Marine Carriers Business Liability
Marine Transit/ Carriers/ CargoLoss or damage to property & goods whilst being shipped or in transit either within Australia or during import or export.
Construction WorksPhysical loss or damage to materials & equipment whilst being constructed, erected or installed at building or contract/project site.
Builders WarrantyCover in ACT, SA & WA
Surety BondsA viable alternative to bank guarantees, improving the liquidity of your business by freeing up bank lines for working capital.
Trade Credit/ Debtors.Cover for your outstanding debts in the event of your clients being placed in receivership.
High Risk LiabilitySpecific & tailored Insurance solutions can be accessed for ‘High Risk’ natured occupations
Motor TradesPackage available for occupations such as but not limited to Mechanics, Auto Electricians, Vehicle Upholstering, Smash Repairers etc.
Cover Sections include;
Full Business Package Sections
Customer Vehicles/ Composite Motor
Business PackageBusiness Insurance protects businesses from losses due to events that may occur during the normal course of conducting business including property damage, legal liability and employee-related risks. Property - Fire and Named Perils - Covering business property against perils of fire, lightning, explosion, aircraft, earthquake, storm & tempest, rainwater, water damage, malicious damage, riots & strikes, impact by vehicles or animals. Flood is normally excluded.
Business Interruption - Insures loss of profit or revenue and continuing fixed business expenses following material damage to your insured assets, plus increased working costs incurred to maintain turnover/revenue or continue the business normally.
Burglary / Theft - Theft following forcible and violent entry into your premises Theft of property in the open needs to be specifically requested for cover.
Fidelity Guarantee - Money or goods stolen by employees acting fraudulently or dishonestly.
Glass - Cover for accidental breakage of fixed glass at your premises (whether owned or leased) and can include external signs.
Public and Products Liability - Legal liability to pay compensation (including legal expenses) to others where you have caused injury, death or property damage whilst undertaking your business.
Machinery and Electronic Equipment Breakdown - Cost of internal mechanical, electrical, electronic breakdown to computing/office equipment or control systems.
Stock Deterioration - Loss of Refrigerated foodstuffs due to breakdown of equipment
General Property - Loss or damage to portable property, (e.g laptops, tools of trade), whilst away from your premises.
Money - Loss of money at your premises or whilst in transit to/from the bank.
Income Protection Insurance - Provides weekly and lump sum benefits for accidental death, injury and sickness 24/7.