Business Package & Industrial Special Risks (ISR) Insurance
Businesses come in all shapes, sizes and offer various products and services, whether it be professional consulting services, retail, manufacturing or wholesale.
The asset value of your property (building; contents, plant and machinery or stock) and number of locations your business operates from, will determine whether your business requires a tailored Business Insurance Policy or an ISR policy. Our professional and qualified Insurance Brokers will assess your risk exposures and customize an insurance program to assure your future.
Provides cover if business is interrupted through damage to property by fire or other insured perils. Cover ensures ongoing expenses are met and anticipated net profit is maintained through a provision of cash flow as well as cover increased costs incurred to continue operating following an insured loss.
Covers the following areas when theft occurs involving violent, forcible entry: loss or damage to stock, goods held in trust and all contents for which you are responsible within the premises. Note: It does not normally cover theft by employees or others entitled to be on the premises.
This covers Damage to Property Insured caused by Defined Events and provides an optional benefit for fire. You can choose accidental damage cover or a cover restricted to collision and/or overturning of the conveying vehicle and Flood.
If you sell, supply or deliver goods, even in the form of repair or service, you may need cover against liability for claims of goods causing injury or damage.
Covers your liability for claims by members of the public who suffer injury or damage to property while on your premises, or while you are working at their premises.
Loss of Money
Cash and items such as postal orders, cheques and stamps are insured against theft from business premises or while in transit.
Covers equipment against such risks as breakdown and explosion.
Covers you for Accidental Breakage of Glass and provides a number of additional benefits.
Goods In Transit
Cover against loss or damage to your property while in transit – either inland within Australia; Imports from overseas suppliers or exports to oversees customers.
Fire & Perils
Covers destruction of, or damage to, your buildings and contents through fire and other perils as flood, lightning, explosion, malicious damage, earthquakes, storm, and water damage.
Personal Accident, Illness or Disability
Covers against your inability to work and the resulting loss of income. Unless you operate as a Proprietary Limited company, you personally will not be covered by Workers Compensation.
Don't risk underinsurance or not being insured at all.
Having insurance is great (and needed), but the last thing you want is to find out you're underinsured or don't have insurance protection for something you should have (or worse thought you did have!). The right insurance policy is made up of multiple insurance products, which is why it's easier and better for you to use an insurance broker to find the perfect solution for your business.