Insurance Products

This policy indemnifies the insured for legal liability that arises from personal injury or damage to property that occurs during the period of insurance in relation to the business, subject to the policy exclusions. It also covers the defence costs that are incurred in respect of the claim.

This policy indemnifies the insured for legal liability that arises from giving incorrect advice, including any financial loss sustained due to that poor advice. Nearly all “white collar” professions need this cover, including accountants, lawyers, doctors, insurance brokers, real estate agents and financial planners. There are many “blue collar” professions that also require this cover, such as engineers, architects and people involved in the design process of any products.

This policy covers the directors and officers of the business, including the business itself for claims made by other business’s or people for things such as; directors and officers cover (cover for negligence, such as breach of the trade practices act), employment practices liability (wrongful dismissal and discrimination etc.), crime cover (fidelity) and taxation investigation costs as well as many more.

This policy indemnifies the insured for legal liability that arises from giving incorrect advice, including any financial loss sustained due to that poor advice. Nearly all “white collar” professions need this cover, including accountants, lawyers, doctors, insurance brokers, real estate agents and financial planners. There are many “blue collar” professions that also require this cover, such as engineers, architects and people involved in the design process of any products.

Most professionals take an office pack cover, which is very similar to a “business pack” cover, but is designed more for business professionals in an office environment.

Industry statistics show that most businesses do not survive following a major loss such as a fire. If you are unfortunate enough to suffer an insured loss, Business Interruption cover may help your business survive. This section provides protection against loss of income and additional expenditure where your business is interrupted following damage like a fire or storm.

Under this section of the business policy, you can insure your assets and the assets of others which you are responsible for. Cover can include fire, lightning, aircraft, sonic boom, earthquake, storm, tempest, rainwater, wind, water, riot, civil commotion, strikes, vandalism, explosion, impact by vehicles, impact by trees and accidental damage.

Under this section, you can insure your assets and the assets of others, which you are responsible for. Cover, can include destruction, loss or damage caused by: theft or attempted theft, following forcible and violent entry or theft consequent upon threat of immediate violence or violent intimidation.

Provides cover for replacement cost of either external glass or internal glass, or both. Also allows cover on specified glass such as signs etc.

Money can be insured against theft as well as loss, destruction or damage caused by an accident. Money may be insured:

• In Transit
• On premises during normal business hours
• On premises outside normal business hours
• Whilst contained in a securely locked safe or strongroom
• In Private Residences

Provides cover against fraud or dishonesty by your employees, which results in a direct loss of money negotiable instruments or goods

Covering breakdown or pressure, mechanical, electrical and electronic equipment, such as refrigeration equipment, electric motors, air conditioners, cash registers and machinery. Cover can include deterioration of refrigerated stock, loss of business income and the cost of hiring in temporary replacement equipment.

Cover includes damage to Computer Systems and Electronic Equipment and Breakdown. This section can be extended to include temporary removal from your business address, breakdown, reinstatement of data costs following insured damage, temporarily hiring in replacement equipment and accidental or malicious erasure of data.

Cover for your goods/stock whilst in transit

This insurance covers costs incurred by your accountant or registered tax agent (after receiving notification from the Australian Taxation Office) in conducting an audit or investigation in relation to your liability to pay tax.

This section is primarily for property that is moved around, such as tools of trade. Items specified can be covered for:

• Fire & Perils
• Theft
• Accidental Damage

Variations available include:

• Worldwide Cover
• Theft in the open air
• Theft without forcible and violent entry
• Accidental Damage due to collision or overturning of a conveying vehicle

This cover provides a flexible insurance solution that allows you to insure all your vehicles under one policy. For each vehicle, you can tailor the policy to meet your business requirements by choosing from comprehensive, third party only or third party fire and theft covers.

For most types of sedans, station wagons, four-wheel drives, utilities and vans, if you choose to insure on comprehensive basis, you can also choose to insure these vehicles on either agreed value or market value.

This cover provides a flexible insurance solution for fleets of varying sizes. It offers insurance protection for a wide range of vehicle types and coverage options that can be tailored to your business requirements.
The policy allows you to choose comprehensive, third party fire and theft, or third party only cover for each vehicle insured. For most types of sedans, station wagons, four-wheel drives, utilities and vans, if you choose to insure on a comprehensive basis, you can choose to insure these vehicles on either agreed value or market value.

If you are in partnership with another individual, what happens if the other partner dies or becomes totally and permanently disabled? What happens if a highly valued employee has to take extended sick leave? How will you pay to replace them?

A buy/sell agreement is a contract where the business takes out life insurance on each of the partners/owners. If a partner dies, there is often confusion as to how the business will then be run, as the deceased’s estate is now legally a partner to the business. Buy/sell insurance protects against this by insuring the life’s of the partners. If a partner dies, the insurance company pays the business a lump sum, which is then used to buy the deceased partners share of the business from their estate. This ensures the estate is not left empty handed, and the business can continue to operate.

Workers compensation is required by law in some states. We can help you to arrange a workcover policy.