Business Insurance

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Office and Business Insurance

Office and Business Insurance protects businesses from losses due to unforeseen events and circumstances that may occur during the normal course of business operations. Our insurance packages are tailored for any Small to Medium Enterprise.

What types of cover are available?

  • Property damage
  • Business interruption
  • Theft
  • Money
  • Public or products liability
  • Glass
  • Transit
  • Electronic breakdown
  • Machinery breakdown
  • General property
  • Tax audit
  • Employee dishonesty

When you are in business you deal with a variety of potential risks each day. With the right cover in place, business owners can run their business with confidence.

Public Liability

Public and products liability insurance covers your potential liabilities to third parties for personal injury or property damage, should you or your business be found to be negligent.

What types of cover are available?

  • Personal injury
  • Property damage
  • Advertising injury

A range of public liability insurance policies are available to cover the different requirements of organisations. The costs involved in taking out a policy will depend on a range of factors including the size of your business, type of premises, the activities it conducts and the number of people it employs.

Professional Indemnity

Professional Indemnity Insurance is designed for any professional who provides a service to customers.
Its main purpose is to protect you from any claims made against you by third parties from any act, omission or error when providing services.

What types of cover are available?

  • Civil liability
  • Inquiry costs
  • Defence costs
  • Fidelity cover
  • Advancement of costs and expenses

A professional’s client might allege error or omission regardless of any wrongdoing by that professional. This is why we recommend professional indemnity insurance as a cover against the legal costs that may arise from such a claim.

Management Liability

Management Liability Insurance is designed to protect you and the company against risks and exposures of operating and running the company. It specifically focuses on cover around mismanagement. It is a combined insurance product developed as a cost-effective solution for unlisted companies to purchase a number of covers in addition to the standard Directors & Officers cover.

What types of cover are available?

  • Employment practice liability
  • Crime
  • Directors’ and Officers’ liability
  • Corporate liability
  • Statutory liability
  • Defence costs

The main benefit of extending the reach of cover beyond that of a traditional Directors & Officers Insurance policy is that for many Directors & Officers protecting the assets of the private company also protects significant ownership in those assets through their personal shareholding.

Industrial Special Risk

Industrial Special Risks Insurance (ISR) provides property damage and consequential loss cover for medium to larger organisations with diverse operations and more commonly larger insurable values. This policy is designed to protect physical assets including buildings, stock, plant and machinery and other property. A uniquely designed and tailored packaged policy to protect those companies with multiple locations, high asset values and multiple occupation classes.

What types of cover are available?

  • Income loss due to property damage
  • Direct damage to customers, suppliers and utilities
  • Extra expenses incurred due to property loss

This coverage also encompasses business interruption insurance for the company i.e. the loss of its income-producing abilities. Policies can be tailored to your specific business needs.

Commercial Property

Provides comprehensive cover for all commercial properties valued at up to $200 million and protects you from costs incurred by machinery breakdown, material damage, commercial liability exposure and OHS legal costs.

What types of cover are available?

  • Income loss, including rent from tenants
  • Machinery & equipment breakdown
  • General theft & money theft cover
  • Material or equipment damage to property

It protects your building and includes glass damage and crime-related damage. In addition, the loss of income coverage means no damage or event will set your business back financially, enabling you to replace or rebuild at current prices quickly and easily.

Corporate Travel

Specifically designed for Small Businesses, Large Companies or Corporations that require Travel Insurance coverage for their Employees while travelling within Australia or Internationally.

What types of cover are available?

  • Overseas medical & evacuation
  • Life & disablement cover
  • Lost luggage & personal effects
  • Flight cancellations & missed connections
  • Rental car excess
  • Personal liability
  • Cost of replacing an employee
  • Loss of deposits

This essential cover protects employees at home and abroad and ultimately protects your company against the financial disruption caused by serious accidents, illness and delay.