Commercial Insurances

PROPERTY

Covers destruction of or damage to your Building, Plant & Machinery, Stock, etc from fire and other perils. Accidental Damage covers are also available.

BUSINESS INTERRUPTION

If your business is interrupted through any of the above perils this cover ensures ongoing expenses are met and net profit is maintained.

BURGLARY

Protection against loss or damage to Plant & Machinery, Stock, etc from your premises through violent and forcible entry.

LOSS OF MONEY

Covers cash against theft from the business premises, loss in transit, at private residence, and in a locked safe/strongroom, etc.

GLASS

Cover for breakage of shopfront or other glass and signwriting for replacement value.

PUBLIC / PRODUCTS LIABILITY

Covers you and your business against claims by members of the public who suffer injuries or damage to their property. The policy can also cover you for selling, supplying or delivering any goods which may cause injury. As well as cover for Goods in your Physical and Legal Control.

ENGINEERING

Covers the insured Plant & Machinery against unforseen physical damage to or breakdown of the plant that requires repair or replacement.

GENERAL PROPERTY

Covers items used in business that need additional cover whilst away from the premises i.e. Laptop Computers, Mobile Phones, Tools of Trade, etc.

TAXATION INVESTIGATION

Covers costs incurred by your accountant or registered tax agent (after receiving notification from the Australian Taxation Office) in conducting an audit or investigation in relation to your liability to pay tax.

PROFESSIONAL INDEMNITY

Protection for people who are engaged in the provision of advice and can be sued for financial loss arising from errors or omissions.

DIRECTORS AND OFFICERS

Provides personal protection to Directors and Officers by protecting them against legal liability which may occur whilst carrying out their duties as a company director or officer.

INFORMATION AND TECHNOLOGY PROFESSIONAL LIABILITY

Provides coverage for claims arising from failure of the insured products, services and/or advice and includes infringement of copyright, trademark, registered design, or any other plagiarism, libel or slander. It also covers breach or confidentiality and privacy.

MARINE TRANSIT / CARGO

Covers loss or damage to goods in transit either within Australia or to and from Australia or a combination of all 3 and can be based on “All Risks” or “Restricted Cover”.

MOTOR VEHICLE

Comprehensive and Third Party Property Damage covers are available for Business use vehicles.