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Business and Trade Insurance
Fire and Perils
Covers your business property (buildings, contents including plant & machinery and stock) for loss or damage caused by fire and perils such as storm & tempest, earthquake, impact, water damage and malicious damage.
Accidental Damage
Covers for accidental loss or damage to your property to the limit selected.
Business Interruption
Covers the consequential loss resulting from interruption to your Business in the event of any building or other property used by you for the purpose of the Business is destroyed or damaged.
Burglary
Covers Property (excluding money), which may be lost or damaged as the result of:
- Theft consequent upon actual forcible and violent entry upon the premises or any attempt thereat;
- Theft or any attempt thereat by a person feloniously concealed on the premises.
Money
Cover for theft of money either at your premises or outside your premises as elected.
Glass
Covers the cost of replacement of glass following the breakage of any glass, which has been specified (internal/external) at your premises.
Public/Products Liability
To cover the Legal Liability to pay compensation by reason of:
- personal injury (including death), and
- loss of or damage to property
happening as a result of an occurrence and in connection with your business and or your products, including all charges, expenses, legal and other costs incurred as a result of the occurrence.
Equipment Breakdown
Covers sudden and unforeseen failure resulting in physical damage to the equipment through its own electrical or mechanical breakdown. Insurance can include goods, which are in cold storage or reinstatement of data.
General Property
Covers loss or damage of goods anywhere in Australia.
Fraud & Dishonesty
Covers theft or misappropriation of money, goods and ‘negotiables’ by employees.
Goods in Transit
Covers loss or damage to goods whilst in transit. Can include loading and unloading risks and incidental storage.
Tax Audit
Indemnity for professional fees incurred in consequence of a random Taxation Department investigation.
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