Commercial Insurance

When it comes to insuring your business, there are an almost overwhelming amount of cover options. We work closely with you to discover where your biggest risks lay, and what type of cover is most suitable for you to ensure your business assets are protected.

Cover Types Include:

• Damage to Business Property
• Burglary
• Tax Audit Cover
• Equipment Breakdown
• Liability
• Business Interruption
• Australia-wide cover for tools and equipment
• Plate Glass Cover

Liability insurance is something you simply cannot afford to be without when you’re running any sort of business. Even if you’re seemingly not at fault, you may still be liable for personal injury or damage to someone’s property. Our liability insurance products can help protect you in your day-to-day business activities.

Benefits & Cover Options:

• Cover Level Options from $10,000,000 to $50,000,000
• Cover Options for Goods in Your Care, Custody and Control
• Additional Driving Risk benefits if your business involves vehicles.
• Expert Claims Service
• Tailored Solutions for more complex business activities.

Cyber Insurance is increasingly becoming a more essential cover requirement for many businesses as we rely on the internet & our computers more and more. Cyber insurance can help protect you in instances of cyber-attacks, hackers and accidental data breaches.

Benefits and Cover Options Include:

• Costs and Expenses (excluding theft of money) as a result of a Cyber Event.
• Cover for fines & penalties
• Business interruption/consequential loss cover
• Optional Cover for Social Engineering Theft

For a lot of clients their vehicle is their business. We have access to a range of specialty products in the commercial and heavy motor space that can ensure not only your vehicle is covered, but your livelihood too.

Benefits & Cover Options:

• Specialty Liability products for transport workers.
• On-Hook Liability extensions
• Cover for the good in your control whilst being transported.
• Interruption/downtime cover if your vehicle is damaged.
• Comprehensive cover options for a variety of vehicles, including earthmoving, refrigerated vehicles and concrete pumpers.
• Fleet Policies

Industrial Special Risks (ISR) Insurance provides cover for high-value assets including property, buildings, materials and machinery against events that may result in significant loss or damage. If you are a business or property owner with many high value assets, an ISR policy may be able to provide you with the most competitive and comprehensive cover.

Benefits & Cover Options:

• Loss and/or damage to buildings
• Loss of profits, revenue and rentals.
• Accidental Damage Cover
• Theft, Money or Employee Dishonesty.

Many businesses now rely on imports and exports as an essential part of their business. Our comprehensive insurance products can protect your goods and those of your customers whilst in transit, anywhere in Australia or Internationally.

Benefits & Cover Options:

• Inland Transit Insurance for your goods being transported interstate.
• Annual or Single Cargo policies depending on your requirements.
• Cover for imports, exports and inland transit on one policy.
• Carriers protect insurance for those in the transport industry.
• Cover for storm, fire theft or accidental damage.

We understand that for farm owners, your farm is not only your business but also often your home and livelihood. Our comprehensive farm packs can be tailored to meet the specific needs of your property.

Cover Options Include:

• Cover for your home & contents.
• Farm Property & farm improvement cover for sheds, silos, vines etc.
• Theft, business interruption and liability cover.

Specified cover for crop failure, transit, working dogs, animals, livestock and fencing.

As your business becomes more complex, so must insurance. We have a range of products available to ensure there are no gaps in your insurance cover.

• Professional indemnity insurance is designed for those who provide professional advice, such as accountants, real estate agents, consultants and medical professionals. Professional indemnity cover is essential and can help protect you from claims arising out of incorrect/insufficient advice, errors, or omissions.
• Management Liability insurance is a product designed to protect business directors and managers from legal costs & risks associated with running a business and having employees.