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Products 2018-10-13T08:26:30+00:00

Some of the insurance companies we work with

Small Business Insurance

Small business insurance is available for retail, commercial, industrial businesses.

Small business insurance provides cover against:

  • loss and damage to buildings, contents and stock
  • third party damage and injury
  • loss of income
  • breakdown of machinery
  • dishonest acts by employees
  • professional fees

Some covers available in a Business Insurance package are:

  • Property Damage to protect your building, contents and stock from catastrophes damage and loss.
  • Business Interruption to protect your loss of income due to an interruption.
  • Machinery Insurance covers costs of an unexpected machinery breakdown
  • Burglary Insurance covers the theft of contents and stock.
  • Money Insurance covers the loss of cash during and outside business hours
  • Tax Audit covers the professional costs to comply with a tax audit

Contact Us to discuss Business Insurance coverage.

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Trade Insurance

Trade Insurance provides cover against damages, loss and injury in performing your trade services.

Trade Insurance can cover your trade works, workshop, office, tools of the trade and vehicles.

Trade Insurance can cover:

  • General Property for portable tools and equipment you carry to do your job.
  • Theft and damage to vehicles
  • Third Party damage and injury
  • Loss and damage to buildings, stock and contents

Contact Us to discuss Trade Insurance coverage.

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Public Liability Insurance

Also known as Public and Products Liability Insurance.

Public Liability Insurance provides cover against damages, loss and injury to a third party when you breach your duty of care.

Product Liability Insurance provides cover against damages and injury caused by the goods you sell, supply or deliver.

Public and Products Liability Insurance can cover the defence costs and compensation you are liable to pay for the damage, loss or injury because of your negligence or the failure of your products.

Limits of liability available:

  • $5 million
  • $10 million
  • $20 million
  • higher limits as required.

It’s important to understand what is not covered and the limits of cover in a policy.

Contact Us to discuss Public Liability Insurance.

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Professional Indemnity Insurance

Professional Indemnity Insurance provides cover against claims of damage, loss or injury as a result of an act, error or omission when you provide your professional advice or service for a fee.

Professional Indemnity Insurance is designed for white collar professionals such as doctors, accountants, consultants and advertising agencies, to name a few occupations.

Limits of liability range from $1 million to $10 million.

Professional Indemnity Insurance can cover:

  • legal defence costs
  • inquiry and court attendance costs
  • compensation you are liable to pay for injury and damages as a result of your provided professional advice or services, loss of documentation, breach of duty, infringement related to intellectual property and defamation
  • public relations costs to protect your reputation

Contact Us to discuss Professional Indemnity Insurance.

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Cyber Insurance

Cyber Insurance provides cover against damage and loss due to malicious attacks, human error and cyber risks.

Cyber Insurance can cover:

  • Notification and Crisis Management costs to investigate a data breach, notify affected individuals and authorities and hiring of public relations services.
  • Data Recovery costs to restore your system
  • Loss of income because of your system being unavailable
  • Third Party Liability costs for damages to individuals and businesses as a results of your data breach
  • Data Extortion ransom payments to retrieve your data. Cover may include Social Engineering incidents.
  • Multimedia Liability costs related to defamation, libel, slander or copyright infringements. Cover may include Social Media incidents.

Contact Us to discuss your Cyber Insurance.

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Commercial Motor Vehicle Insurance

Commercial Motor Vehicle Insurance provides cover against the loss or damage of your commercial vehicles and third party damages and injury caused by you.

Cover is available for a range of vehicle types and commercial activities.

Commercial Motor Vehicle Insurance cover includes:

  • Comprehensive
  • Third Party Damage, Fire and Theft
  • Third Party Damage Only

Contact Us to discuss Commercial Motor Vehicle Insurance.

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Truck Insurance

Truck Insurance provides cover against the:

  • loss and damage to trucks, trailers and goods in transit
  • third party damage and injury
  • loss of income due to heavy vehicle damage

Truck Insurance can cover:

  • Truck and Trailer repair and replacement costs for theft and accidental damage
  • Public Liability
  • Damage or loss of Goods In Transit in your care or custody
  • Loss of income for a specified period of time

Contact Us to discuss Truck Insurance.

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Fleet Insurance

Fleet Insurance provides cover for the loss and accidental damage of your commercial vehicles and third party damage and injury.

Fleet Insurance is available for businesses that operate 10 or more commercial vehicles.

Fleet Insurance can cover:

  • Comprehensive
  • Third Party Damage, Fire and Theft
  • Third Party Damage Only

Contact Us to discuss Fleet Insurance.

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Construction Insurance

Construction Insurance provides cover for loss or damage to residential, commercial and industrial construction projects.

Cover is available for one-off or annual projects.

Construction Insurance can cover:

  • damage and loss of building materials, tools, machinery and equipment
  • third party damage and injury
  • loss of income

Two sections in a Construction insurance are:

  • Material Damage (Contract Works) covers for loss and damage to materials and physical goods during a construction project.
  • Public Liability Cover for third party damages and injury caused by you, your products or sub-contractors

Contact Us to discuss Construction Insurance.

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Management Liability

Management Liability Insurance provides cover against the risks of directors, officers and partners of a company in mismanagement of a business.

Management Liability Insurance can cover:

  • Wrongful acts by management
  • Dishonest acts by employees
  • Legal representation costs
  • Investigation costs
  • Crisis management and public relations costs
  • Civil fines and penalties

Contact Us to discuss Management Liability Insurance.

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Farm Insurance

Farm Insurance provides cover for against loss and damage to buildings, contents, machinery, livestock and crops on a farm.

Farm Insurance can cover:

  • Home and Contents
  • Public liability for third party damage and injury
  • Farm property such as buildings, fences, machinery, livestock and crops
  • Farm motor vehicles
  • Machinery breakdown
  • Loss of Income
  • Tax Audit

Contact Us to discuss Farm Insurance.

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Industrial Special Risk Insurance

Industrial Special Risk Insurance (ISR) provides tailored coverage for larger businesses with higher total assets over a specified amount.  An ISR policy provides broader cover to any cause not excluded by the policy.

An ISR policy can cover:

  • loss and damage to buildings, stock, contents, machinery and vehicles
  • third party damages and injuries
  • compensation to third parties as a results of actions taken by directors and officers of the company
  • loss of income from an interruption to the business
  • fraud and dishonesty of employees

Contact Us to discuss  Industrial Special Risk Insurance.

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Strata Insurance

Strata Insurance provides cover for owners corporation or strata entities against loss and damage to buildings and common property, third party damages and injury and wrongful acts.

Strata Insurance can cover:

  • Loss and damage to buildings and common areas and contents
  • Third party liability
  • Office bearer’s liability for wrongful acts

Contact Us to discuss Strata Insurance.

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