A GUIDE TO BUSINESS INSURANCE

Look after your physical assets, like buildings, contents, and stock. This insurance covers loss due to fire, storms including major storms, impact, and malicious damage, and automatically includes accidental damage. If you have adequate cover, you'll be compensated for full replacement.

You'll be compensated for any income lost as a result of damage to property covered by Property Damage Insurance, you've also the option of insuring your goodwill.

With this cover, you're reimbursed for losses due to visible forced and violent entry into your property, even people hiding in your premises and persons who threaten or use violence.

Don't risk losing your hard earned cash. Money Insurance deals with money lost while in your personal custody, or held on the premises, enroute to the bank, or stolen due to forced entry into the safe. Further options are available, just ask us.

Glass can be an integral part of your corporate presentation, especially in retail. This policy covers glass replacement due to breakage and can even extend to signwriting, frames and illuminated signs.

People are our most valuable asset. So this insurance deals with personal injury, property damage and legal fees in the event of your business being held legally liable. It can also protect you from liability to the public from products you produce or sell.

This is vital if your business relies on machinery or equipment. It covers breakdowns or unforseen damage to machinery, mechanical and electronic equipment, it can also include the resultant stock losses.

Consider the importance of items like tools, computers and audio visual equipment. General Property Insurance covers specified items lost while away from your usual business premises on job sites and business trips.

You depend on sensitive computer equipment like servers and workstations. So this insurance covers loss or damage including mechanical or electrical breakdown, and loss or damage due to insured 'perils'. It even compensates you for reinstating data and the increased cost of working caused by the damage.

Protects you from 'hands in the till' or general fraud by dishonest acts committed by employees.

You need this to protect your cargo and property while in transit between locations. You've a choice of cover for Inland or Overseas.

A call from the tax man or other government agencies can bring significant expense. Tax Audit Insurance covers fees charged by accountants or other professionals and costs for obtaining expert advice during a Taxation Office audit or investigation by other government authorities.

Make travelling on business less stressful. Cover your bags, money, loss of deposits, overseas medical expenses, personal accident expenses and other contingencies while travelling for the company. For added convenience, Corporate Travel Insurance can be purchased annually.

Talk to us about looking after your vehicle insurance:-
- CTP green slips, which are compulsory Australia-wide covering third party injury or death sustained during an accident involving a registered motor vehicle
- Comprehensive Cover
- Third Party - property damage only
- Third Party - property damage plus fire and theft

Look after your most valuable asset: your people. This cover provides weekly and lump sum benefits for accidental death, injury or illness to a specified person or persons.

This covers losses arising from negligent acts, errors or omissions, or civil liability while conducting business activities, by covering your legal liability to compensate other people like third parties.

As a business director, you're responsible for more than you think. So protect yourself and your fellow directors from your legal liability for wrongful acts committed while acting as a Director or Officer. This insurance covers payments the company is legally entitled to make in indemnifying Directors or Officers for claims made against them.

Protect you against your legal liability arising from acts, errors, omissions and breach of prefessional duties. Also covers legal costs and other expenses required to defend yourself.

Look after your employees who may be injured by accident or industrial diseases during their employment. They are legally entitled to compensation under various Workers Compensation statutes. Acts in each state and territory in Australia require employers to maintain compulsory, no fault insurance to cover their legal liability.