Business Insurance

We will take time to gain an understanding of your business and how it operates to determine the correct amount of cover for you.

A Business policy can include cover for the following

Property

Property Insurance covers your business premises from damage to buildings, contents, stock, tools, valuables, and equipment caused by fire, storms, malicious damage and defined perils.  Accidental damage and flood damage can also be included

If you are a property owner we are also able to insure your Commercial Property or Commercial Strata.

Business Interruption

Covers you for the loss of income if your business premises are damaged by an insured event i.e. fire or storm or prevention of access.  It can also cover business interruption from public utilities and or suppliers

Public and Products Liability

Covers your businesses legal liability to pay compensation in respect of

1. Personal injury and or
2. Property Damage and or
3. Advertising injury

Plate Glass

Glass Insurance covers you for breakage of glass which you own or for which you are legally responsible.

It includes windows, shelving, display cabinets, sign writing and advertising signs and emergency repairs.

Theft and Burglary

Provides cover for your business stock, contents and equipment in the event of a break-in and theft.

Additional covers can include Damage to premises (owned or rented), temporary protection and cover, employees personal effects and replacement of locks.

Machinery Breakdown and Electronic Equipment

Offers cover for machinery and or electrical equipment in your business

Personal Accident and or Illness Insurance

Designed to protect your income in the event of an accident or illness.  If Income Protection and or Life cover is preferred we are able to refer you to an advisor.

Management Liability Insurance

This is critical to every businesses effective and functioning risk management strategy.  It provides cover for company directors personal liability, Statutory liability - fines and penalties, employment practices claims and theft from the company by employees and or third parties

Cyber Insurance

The question is not will it happen but when it will happen to your business

• Identity theft resulting from lost or stolen financial information of customers,  credit card numbers, tax file numbers or other confidential information
• A cyber extortion threat? – Malware
• An e-business interruption, resulting from a security failure or internet use
• Costs relating to a privacy breach notification of clients private details

Tax Audit Insurance

Covers professional fees i.e. professional fees, incurred by you in connection with a tax audit by the Australian Taxation Office or by a Commonwealth, State or Territory department, body or agency.

Corporate Travel Insurance

An annual policy covering business owners, staff and families on business and leisure trips domestically and or overseas.

Cover includes

• Overseas medical and dental
• Cancellation / interruption costs
• Luggage, personal effects and money
• Personal accident and illness
• Evacuation
• Personal Liability and
• Hire care excess waiver