Business Insurance

Cover for amounts the business is legally liable to pay up to the amount indicated in the policy schedule, as compensation for personal injury and / or property damage occurring within Australia as a result of an occurrence in connection with the business.

General Property

Cover provided for damage within Australia to insured property such as portable tools and equipment used by the business at client sites or taken home by employees

Personal Accident and Sickness

Provides compensation to insured following death, defined injury or sickness

Fire and Perils (Optional Flood Cover)

Covers the business for damage to property insured at the situation, which can include building, contents (including computers and electronic equipment) and stock (including customers goods) caused by certain defined events

Covers for consequential loss of income and / or profits or revenue resulting from the interruption of / or interference with the business caused by a defined event

Covers property insured which can include contents and stock held at the business following forcible and violent entry, armed hold ups, assault or violence

Covers the loss of or damage to money during specified events such as whilst in transit, at the business during business hours, held in your personal custody. Money includes items such as coins, bank notes, cheques.

Glass

Covers accidental breakage of glass at the business providing cover for internal and external glass, illuminated/ advertising sign, perspex or plastic signage.

Cover provides compensation to the insured for the costs of restoring or replacing machinery after a breakdown. Also covers the reasonable and necessary cost of hiring temporary machinery.

Covers the loss of money and/ or goods due to the fraudulent or dishonest conduct of an employee, for their own gain or the financial benefit of any other person or organisation.

Covers damage to insured computers and or electronic equipment which you have specified on the policy. 

Tax Audit

Covers the professional fees such as an accountant, reasonably incurred in connection with an audit of the businesses financial or tax affairs by the Australian Tax Office, or by a Commonwealth, State or Territory Department, body or Agency.

Covers the business for damage to property insured while in transit within Australia caused by an insured event. There is a choice of three levels of cover. This benefit may be helpful for business’ that have more than one location.