Commercial Insurance

• Small to Medium Enterprises
  This market is normally protected by Package Policies, which includes loss, damage or theft of property and the resultant loss of income from various types of events, as well as liability for injury or damage arising from your activities or products. It can also incorporate a number of other covers, such as, tax audit, occupational health and safety issues and employment practices liability.
• Industrial Special Risks
  A very comprehensive Policy, which is intended to cover loss, damage or theft of property and the resultant loss of income from a wider range of circumstances. This cover is generally only available for lager clients, but provides much greater cover and flexibility than the Package type of policy.
• Commercial Strata
  A package policy designed specifically for the needs of strata titled complexes occupied for commercial purposes. It includes loss or damage to the building and common property, as well as liability arising from the ownership of the property and the liabilities of committee members.
• Farm
  Covers the assets and liabilities associated with rural activities. It can include registered vehicles, machinery, tractors etc.
• Trades
  A package Policy, specifically designed for the needs of tradesmen. It includes cover for plant and equipment, as well as liability arising from your activities or products. Some covers include protection for faulty workmanship.
• Personal Accident
  Provides protection for loss of income following an accident or sickness.
• Liability
  A specific policy to cover legal liability for injury or damage which arises from your activities or products.
• Contract Works
  Designed to provide cover for replacement of the works (including both materials and labour) associated with building construction or civil contracting. It can be extended to include liability for injury or damage arising from the construction. The policy can either be for a specific project or on an annual basis to cover all projects within specific parameters. An annual liability policy can also provide cover for ongoing liability for injury or damage arising from previously completed projects.
• Tax Audit
  Cover professional fees arising from an audit by the ATO in respect of a number of types of legislation.
• Corporate Travel
  Provides protection for accident and sickness benefits for employees, overseas medical expenses, additional travel costs, baggage, documents, cash, computers, mobile phones, kidnap and ransom, car rental excess, alternative employee expenses, and liability for injury or damage.
• Mobile Plant
  Covers loss damage or theft of various types of equipment including mobile cranes, and other forms of construction plant and equipment.
• Machinery Breakdown
  Breakdown of electric, electronic and mechanical plant and equipment. It can also include loss of income resulting from the breakdown.
• Crime
  Losses arising from fraud carried out by your employees.
• Employment Practices
  Covers your legal liability to employees arising from alleged breaches of legislation relating to employment issues, such as unfair dismissal, sexual harassment etc.
• Statutory Liability
  Penalties arising from alleged breaches of a number of Acts.
• Property Owners
  Legal liability for injury or damage arising from ownership of a property.
• Umbrella Liability
  A wider form of liability which is intended to operate in excess of relevant underlying policies to increase the limit of the protection and also provide cover for some events not covered by these underlying policies.
• Workers Compensation
  A compulsory form of Insurance which provides protection against state based legislation making you responsible for injury or sickness to employees.