General Insurance

Personal Accident and Sickness

Covers you against accidental death or permanent total disablement due to an accident and/or illness. Entitlements may include a weekly, monthly or lump sum benefit for accidents that have caused you injury or even accidental death.

Group Personal Accident and Sickness

Group Personal Accident Insurance provides accidental injury and sickness benefits for employees & their dependants

Voluntary Workers

Voluntary Workers covers against death or permanent total disablement to voluntary workers who are injured in the course of their voluntary work, which prevents them earning their regular income

Corporate Travel (CT)

Can either be an annual, multi- trip policy for individuals and accompanying members who travel many times during the year on authorised business and incidental travel or as a one off.  Cover can be extended to include lost luggage, overseas medical expenses and evacuation expenses.

Builders Warranty Insurance

Builders Warranty Insurance is required for all registered builders or tradespeople carrying out residential building works. The policy is issued to the homeowner for protection against loss due to non-completion, defects and breach of statutory warranties by the builder. The policy responds in the event the builder dies, disappears or becomes insolvent prior to completing the home or resolving the defects.

Business Insurance 

Business Insurance is typically made up of the following sections;

Property

Property insurance covers loss or damage in the event of fire, explosion, earthquake, storm and tempest, impact, vandalism, accidental damage and other defined events to the location of the business and/or contents, stock, customers goods and unfinished works.

Business Interruption

This provides indemnity to the company for loss of net profits and expenses not otherwise insured until normal production or commercial operation can be resumed.

Burglary

Loss of or damage to the property caused by any person who forcibly and violently enters or attempts to enter the business premises. This can be extended to non-violent and forcible entry as well as theft in the open air.

Money

Loss of or damage to money which may occur.  Cover can include money in transit, money on business premises (both during and after business hours) and money in private residence. This policy will also respond in the event of damage to a safe or strongroom.

Machinery Breakdown / Engineering

Sudden and unforeseen loss of or damage to Plant and Machinery or any part of Plant and Machinery due to electronic, mechanical or electrical breakdown. In addition, Boilers and Pressure Vessel equipment can be insured against explosion and collapse.

Electronic Equipment

Any part of an item of Electronic equipment suffering damage.  Extensions include Cost of Restoring Data, Business Interruption and Increased Cost of Working.

Glass

Breakage of glass at your business premises, including external and internal glass. It may also provide protection for signs, goods/stock on display owned by you or for which you are legally liable.

Public Liability Insurance

Public Liability Insurance covers a company’s legal liability to third parties for causing bodily injury or property damage.

Product Liability Insurance

Product Liability Insurance covers a company’s liability for losses or injuries caused by a defect or malfunction of their product, and in some instances, a defective design or a failure to warn.

General Property

Loss / damage to your property anywhere in Australia and can be extended to overseas.

Employee Dishonesty (Fidelity)

Financial loss due to the fraudulent activities of an employee or group of employees. The loss can be the result of the employee’s theft of money, securities or other negotiable instruments of goods of the business.

Marine Transit

Loss / Damage of goods whilst in transit.  Cover can extend to include static risk, theft, pilferage, rain/hail, loading & unloading.

Tax Audit

The recovery of professional costs incurred when complying with an official Australian Taxation Office investigation.

Motor Vehicle

Cover against vehicle loss or damage, as well as liability for damage caused to Third Parties.

Contract Works

Material Damage or loss associated with a construction project. Cover also includes Legal Liability from these activities.

** Contract Works Insurance, is sometimes referred to as Construction All Risks Insurance

Contractors Plant Insurance and Equipment

Loss or Damage to Plant and Equipment.  Registered plant and equipment also include liability for the damage it causes

Contractors Plant and equipment can include;

Machinery Breakdown / Engineering

Sudden and unforeseen loss of or damage to Plant and Machinery or any part of Plant and Machinery due to electronic, mechanical or electrical breakdown. In addition, Boilers and Pressure Vessel equipment can be insured against explosion and collapse.

Farm

A combination of personal insurance and commercial insurance, covering residential property (such as the farm family’s house), property used in farming, plus personal and farming business liability exposures.

General Property Insurance

Covers loss of or damage to specified property — usually of a portable nature — that is not covered under your business policy at your premises.

Industrial Special Risks

Protection of property and business interruption from all losses sudden and unforeseen, except those excluded by the policy.  This type of policy is generally reserved for businesses with assets exceeding $3M.

Information Technology Liability

Covers your company for liability claims such as software performance, programming errors or the failure of your work to perform as promised in your contract.

Occupations can include, but are not limited to;

Money

Loss of or damage to money which may occur.  Cover can include money in transit, money on business premises (both during and after business hours) and money in private residence.  This policy will also respond in the event of damage to a safe or strong room.

Public Liability Insurance

Public Liability Insurance covers a company’s legal liability to third parties for causing bodily injury or property damage.

Product Liability Insurance

Product Liability Insurance covers a company’s liability for losses or injuries caused by a defect or malfunction of their product, and in some instances, a defective design or a failure to warn.

Tax Audit

The recovery of professional costs incurred when complying with an official Australian Taxation Office investigation.

Trade Credit Insurance

Trade Credit Insurance provides protection for businesses from loss due to credit risks, where one or more customers become insolvent, bankrupt or there is a protracted default on payment. Trade Credit Insurance is an effective risk management tool for businesses with turnovers in excess of $1.5 million.

Truck Insurance / Transport Operators Insurance

Specifically tailored insurance for transport operation businesses, which may combine such covers as commercial motor insurance, Marine Insurance and Public Liability Insurance.

Some of the commercial vehicle types we insure are;

Umbrella Liability Insurance

Increases the liability limits of the underlying policies, such as general liability, motor vehicle liability, travel liability and employer liability providing additional coverage limits, offering businesses additional protection from a claim which may exhaust the primary policy coverage.

Affiliations