Fire & Perils – Damage to assets (buildings, contents, stock, equipment etc) caused by fire, storm, water, & nominated perils excluding Flood unless specifically included
Business interruption – Loss of trading income & increased expenses due to damage to fixed assets or prevention of access Excluding Flood innless specifically included
Burglary/Theft – Theft or damage of Property following a break and enter.
Money – Loss or damage to cash, cheques and negligible instruments.
Glass – Damage to fixed external glass or both. Cover for signage optional.
General Property – Loss and damage to Laptops tools & other portable equipment whilst away from the insured premises. Cover available Australia Wide.
Machine Breakdown – Repair costs incurred following breakdown of plant & equipment, Cover available for deterioration of stock.
Electronic Equipment – Accidental, Mechanical & Electrical breakdown of computers & associated electronic equipments. Excludes flood.
Employ Fraud/Fidelity Guarantee – Losses due to dishonesty of your employees.
Tax Audit – Covers your company or directors of the company against the costs associated with a tax audit
INDUSTRIAL SPECIAL RISKS
Industrial Special Risks – Is an insurance that covers medium to large enterprises against financial losses they might incur because of loss or damage of their physical assets.
Public Liability – Covers financial loss or legal liability should its operations injure a member of the public or damage their property in some way.
Product Liability – Covers Financial loss or legal liability incurred by ensured because of injury or damage resulting from the use of covered product.
Cyber Liability/ Cyber & Privacy – Cover a business liability for a data breach in which the firm’s customer’s personals information, such as bank details or credit card numbers are stolen by gaining access to the company’s electronic network.
Professional Indemnity – covers professionals who provide advice or a service for a fee against legal costs and claims for damages to third parties who may arise out of an act, omission or breach of professional duty.
PLANT & EQUIPMENT
Plant & Equipment – provides cover for construction equipment (frequently referred to as mobile plant and equipment) ordinary found at building sites and road works. The team ‘plant’ covers a range of equipment, from portable tools to large earthmoving equipment and mobile cranes.
MARINE TRANSIT/ MARINE CARGO
Marine Transit/ Marine Cargo – Covers property in transit against loss or damage both internationally and domestically
Trade Credit – Credit management tool and insurance product protecting companies aged receivables against losses from insolvency of debtors
COMMERCIAL & RESIDENTIAL STRATA
Commercial & Residential Strata – Covers residents and common property against damage and liability
Landlord insurance – covers residential and commercial properties which are rented to others, Most homeowners insurance covers only cover owner-occupied homes.
HOME & CONTENTS
Home & Contents – Cover loss or damage to an insured’s home and personal property.
COMMERCIAL MOTOR/ MOTOR VEHICLES
Commercial Motor/ Motor Vehicles – cover replacement cost or repairs to a vehicle in the result of an accident. Liability on the road is also covered.