Commercial

If a vital Administrative Employee is unable to work, the financial expense of sourcing and hiring a replacement can be costly. Cover can be provided for the recruitment costs and replacement wages of a temporary replacement employee, following sickness/accident to a declared Insured Person (who is employed in an Administration role).

Having adequate business insurance cover is important for financial viability as it provides protection against a range of risk events (ie fire/storm/malicious damage/escape of liquid/burglary plus more).  There are many available products so it’s essential to get the right one for your needs.

Business interruption insurance is designed to cover the shortfall in gross profits caused by the interruption to your business after a disaster or another type of insured event that forces you to close your doors for an extended period of time. It can provide for additional increased costs of working too. It effectively returns your business to the same financial position it was in before the event occurred, allowing the quickest possible resumption of normal business.

You need contract works insurance in place before a peg is put into the ground. Many things can go wrong where building works are involved, whether that be at excavation or even completion stage of any project. This insurance is designed specially to provide any physical and related party liability damage as well as loss of building materials, fire and malicious damage.

Business Travel – interstate, intrastate &  overseas for Directors and Staff  (options for Directors/Nominated Personnel  leisure travel  too)

Protections against fire, perils and natural disasters, depending on type of crop.

As digital technology has become more and more inseparable from the operations of most businesses, having cyber insurance has become more and more important. As with any insurance, there are many different types and levels of cyber cover available. We’ll work with you to identify the best way to manage the risks related to a data breach in your business and mitigate the potentially-crippling costs that could result from such a breach.

Cover options for Directors if not Insured under  a Workers Compensation policy, or as a Workers Compensation policy top up option for high income earners. Option for working hours only cover or 24/7 accident cover

Electronic equipment insurance covers the cost to repair or replace specified electronic equipment following a breakdown. You can also choose to insure the additional costs to your business or business interruption expenses caused by a breakdown of electronic equipment.

Various covers available for Events you organise and promote (including loss of revenue cover). Annual Policies or Specified Event policies available.

Despite a business’ best intentions sometimes accidents still happen. Public Liability provides cover for injuries or property damage you cause to a third party by something you do or fail to do.  Product liability insurance protects against claims of personal injury or third party property damage caused by products that have been manufactured, sold or supplied by your business. In particular it can help to cover the potentially significant costs associated with legal and court costs.

Cover for fire, collision, overturning, and options for theft and  accidental damage of portable property (unspecified and specified options)

Cover for groups, participants and teams – accidental death/disablement, weekly benefits plus more

Property owners cover and consequential loss

Labour  hire recruitment agency liability protection

Cover for Mechanical breakdown of compressors, motor and plant with optional extension for business interruption

Business Owners and Directors could benefit from the protection of a policy that covers claims from a wide range of management liabilities.

Marine insurance is designed to provide peace of mind if you are moving cargo across water, land or air. Marine transit covers provides point to point coverage between your premises and those of your customers.

Cover for  marine hull, motor, trailer and accessories with legal liability considerations and options for passengers and  charter use  to name a few

Professional indemnity insurance specifically designed for health care professionals, including option for vicarious liability  cover in respect to the medical/health services provided by Contractors.

Individual accident and sickness cover for sole trader business owners including accidental death /disablement and weekly benefit options

If you have mobile plant and equipment, it important to ensure it is properly insured to protect not only the equipment, but also the liabilities associated with its use. This product is designed to cover the smallest earthmoving machine through to the largest fixed or mobile cranes.

If you run your business predominantly from home it’s important to be aware your existing home and contents insurance may not cover your business activities or equipment in the event you need to make a claim. It’s an excellent idea to discuss your current arrangements with us to ensure you’re not unnecessarily exposed.

Indemnification insurance for a promotion in which participants are offered the chance to win prizes

if your business provides any kind of professional services and/or advice, you should strongly consider having professional indemnity insurance to protect you and your business against customer claims of alleged negligence or a breach of duty arising from an action or error made in the provision of your professional services.

Insuring your buildings will provide financial protection in the event the property is damaged or destroyed in a disastrous one-off event. By ensuring the structures are adequately covered, the financial cost of recovering and/or rebuilding will relieve the financial and business stress. 

With threat of droughts and floods, farmers have enough to worry about. Having the right farm insurance in place is  important to safeguard not only the farm business, but the family who may live on the property too. Sections include Domestic Building & Contents, Farm Property, Farming Interruption, Multi-Peril Crop, Machinery Breakdown, Livestock, Fencing, Personal Income, Public & Products Liability.

Legal liability cover for sports and leisure activities and events with optional extensions for player participation/player accident and organisation liabilities

Strata insurance provides peace of mind to body corporates by insuring common property, contents (including public liability) under the management of the strata or body corporate association.

Cover for professional fees incurred to respond  to taxation audits and official investigations  and inquiries

Cover for Board Members, Committee Members, Volunteers and option for Directors who receive Sitting Fees

Workers’ compensation is compulsory for all Australian employers. It provides protection to workers if they suffer a work-related injury or illness. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers’ compensation insurance that covers their workforce. State and territory governments regulate the workers’ compensation scheme in their state and, as such, the schemes are often administered in different ways

Employee benefits in event of injury at/from home at a time, or from an 

activity, that may not be deemed to qualify as a workers compensation claim