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Small Business Insurance

Business insurance is available for retail, commercial, industrial businesses.

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.

Industrial Special Risk (ISR)

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.

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.

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

Management Liability Insurance

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

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

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

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.

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

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

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