Business Package
We are able to provide your business with a tailored insurance policy created specifically for the needs of your business whether it be small or large offering you a selection of policy sections:
- Fire & Perils - covers destruction of, or damage to, your buildings and contents through fire and other perils as lightning, explosion, malicious damage, earthquakes, storm, and water damage.
- Business Interruption - provides cover if business is interrupted through damage to property by fire or other insured perils. Cover ensures ongoing expenses are met and anticipated net profit is maintained through a provision of cash flow.
- Burglary - covers the following areas when theft occurs involving violent, forcible entry: loss or damage to stock, goods held in trust and all contents for which you are responsible within the premises. Note: It does not normally cover theft by employees or others entitled to be on the premises.
- Loss of Money - cash and items such as postal orders, cheques and stamps are insured against theft from business premises or while in transit.
- Glass - covers you for Accidental Breakage of Glass and provides a number of additional benefits
- Public Liability - covers your liability for claims by members of the public who suffer injury or damage to property while on your premises, or while you are working at their premises, or while you are working at their premises.
- Products Liability - if you sell, supply or deliver goods, even in the form of repair or service, you may need cover against liability for claims of goods causing injury or damage.
- Engineering Equipment - covers equipment against such risks as breakdown and explosion.
- General Property - This covers Damage to Property Insured caused by Defined Events and provides an optional benefit for fire. You can choose accidental damage cover or a cover restricted to collision and/or overturning of the conveying vehicle and Flood.
- Goods in Transit - cover against loss or damage to your property while in transit - either within Australia or on a world-wide basis (you choose).
- Personal Accident, Illness or Disability - covers against your inability to work and the resulting loss of income. Unless you operate as a Proprietary Limited company, you personally will not be covered by Workers Compensation.