Business Insurance
Business Insurance is a versatile and flexible solution which protects businesses against the core property, liability and financial risks they face.
- what's covered
We customise business insurance policies to protect a business’s physical assets, income and legal liabilities. It typically combines cover for property damage, contents, stock, theft, glass, money, machinery breakdown, electronic equipment, business interruption, public and products liability, tax audit, employee dishonesty, and portable property, with some other insurance extensions available depending on the insurer or industry you operate in.
Fire and Defined Events / Accidental Damage
Your premises and everything inside them are worth protecting. This cover guards your buildings and contents against destruction or damage caused by fire and a defined list of events, including lightning, explosion, malicious damage, earthquake, storm and water damage.
Read more
Flood isn’t automatically included in most standard Fire and Defined Events / Accidental Damage policies. In most cases it’s still available as an optional extra, so you can build cover around the risks that matter most to where you operate.
For full details of the Product Disclosure Statements, please contact us.
Business
Interruption
Damage to your property is only half the cost. When fire or another insured peril forces your business to stop or slow down, the trading profits you lose along the way can hurt just as much as the physical damage itself.
Read more
Business Interruption cover protects that lost income, stepping in to cover the profits you would have earned if the disruption hadn’t happened. It keeps the business standing while you recover, so an interruption to your premises doesn’t become a threat to everything you’ve built.
For full details of the Product Disclosure Statements, please contact us.
Burglary / Theft
(of property other than money)
When someone breaks in, the loss goes beyond the stock on your shelves. Burglary and Theft cover protects your stock, goods held in trust and other contents you’re responsible for, covering loss or damage that follows a theft from within your premises.
Read more
It’s worth knowing what sits outside this cover. Theft by employees, or by others who are entitled to be on the premises, isn’t normally included, so it’s important to understand where this protection starts and stops before you rely on it.
For full details of the Product Disclosure Statements, please contact us.
Money
Cash doesn’t only go missing from the till. Money Insurance covers your cash and other negotiable instruments against loss or theft, both from your business premises and while it’s in transit.
Read more
Whether takings are sitting on-site or being moved to the bank, this cover follows the money through the moments it’s most exposed, so a loss on the way doesn’t land on you.
For full details of the Product Disclosure Statements, please contact us.
Glass
A broken shopfront or window is rarely as cheap to fix as it looks. Glass Insurance pays for the replacement of broken or damaged glass, and when you factor in call-out fees on top of the glass itself, the cost can climb fast for anyone who’s never had to cover it before.
Read more
This cover sits as part of your wider business insurance package, handling replacement when glass is broken or damaged. It’s also worth noting that most tenants are required to hold glass insurance as a condition of their lease.
For full details of the Product Disclosure Statements, please contact us.
Transit
Your goods are exposed the moment they leave one set of doors for another. Goods in Transit Insurance covers loss or damage to property while it’s being moved by road, rail or ship, whether the journey is within Australia or anywhere in the world.
Read more
From local deliveries to international freight, this cover follows your property through transit, so the risks of the road don’t sit on your shoulders alone.
For full details of the Product Disclosure Statements, please contact us.
Equipment Breakdown (Engineering)
When the equipment your business runs on stops working, everything slows with it. Engineering Insurance covers your mechanical and electronic equipment against risks such as breakdown, so a sudden fault doesn’t bring your operation to a standstill.
Read more
For full details of the Product Disclosure Statements, please contact us.
Electronic
Equipment
This cover responds to breakdown, the sudden and unforeseen failure that needs immediate repair to keep you operating. It applies to computers and other electronic equipment, including servers, electronic cash registers and scanning equipment, research and diagnostic equipment, and audio visual equipment.
Read more
Restoration of data covers the cost of restoring data lost through damage, up to your nominated sum insured. Increased cost of working meets expenses above your normal operating costs, and depending on the insurer, may include external accountant and professional fees incurred to support a claim.
For full details of the Product Disclosure Statements, please contact us.
General Property / Portable Property / Tools of Trade
The gear that leaves your premises is often the hardest to protect. This cover looks after the portable tools and equipment used in the course of business at client sites or taken home by employees, so the things that travel with your team stay covered wherever the work takes them.
Read more
Items you can cover include tools of trade used at client sites, portable equipment such as cameras and surveying equipment, portable computers, and property that moves between multiple business premises. You are also able to specify individual items under General Property / Portable Property / Tools of Trade Cover.
For full details of the Product Disclosure Statements, please contact us.