Public and Products Liability
Insurance

In this fast-paced world, the only constant thing is change. Today’s businesses are exposed to an ever-growing list of legal liabilities. Whatever the size and shape of your business, you have a duty of care to protect your customers and business partners from harm. Public Liability insurance is your protection if you are found to be legally responsible for personal injury to a third party or damage to their property.

Business Insurance
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When running a business, an important thing to consider is having adequate general insurance. Being covered will reduce your chances of facing financial uncertainty, protect your livelihood and that of your workforce.

It gives you peace of mind knowing you have invaluable protection against a range of risks including equipment, assets, and legal liability coverage. Insurance companies provide a wide variety of general business insurance policies, so it is essential to get the right one for your needs.

Cyber Insurance
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As more and more transactions are being done online, a lot of malevolent characters are also drawn to the lure of disrupting the digital space. In Australia, our Federal Privacy Act gave rise to the Notifiable Data Breaches Scheme (NDB) which impacts all organisations covered by the Australian Privacy Act of 1988.

This means that every data breach that your company may experience will cost you a lot! The costs may be due to business interruption, reputational damage, incident response, to legal costs. The fines are also another thing to worry about—it may cost you $360,000 for individuals and $1,800,000 for organisations.

For your protection against these huge and unexpected costs, we have a wide range of cyber insurance products that can be further customised depending on your requirements.

Professional Indemnity
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No one in this world can give you 100% certainty for any outcome. If you give advice or provide professional services, then you open yourself and your business to possible lawsuits if the advice was done with gross or simple negligence.

The good news is that with our Professional Indemnity Insurance, you will have something to protect your business against an allegation of wrongful advice, defamation, infringement of intellectual property, and/or professional negligence.

It covers the cost of your legal defence and the damages you may have to pay. The insurer will engage a legal adviser to manage the matter on your behalf so you don’t have to suffer sleepless nights when this happens.

Management Liability Insurance /
Directors & Officers

For business owners and those holding directorship positions, there are times when you’re held accountable for acts involving the companies you represent. Aside from the mental and emotional stress this brings, you and your family’s finances might also be affected.

With our Management Liability Insurance, we cover indemnity for resulting damages, work health and safety defence costs, statutory/pecuniary fines and penalties and legal fees. The policy also covers a wide range of employee-related claims such as unfair dismissal, sexual harassment, bullying, and racial discrimination.

Business Interruption
Insurance

There are only a handful of businesses with the financial capacity to stand up right away just after suffering a disaster. Resuming your business as quickly as possible after a disaster is challenging but with our business interruption insurance, you will have the tool available to help you maintain your company’s financial position in difficult circumstances.

Association Liability

Being in the non-profit space does not exempt you from liabilities arising from the services and management the association offers. With our Association Liability policy, we designed a package suited for not-for-profit organisations. The policy has a mix of management liability and professional indemnity insurance elements designed to cover damages and legal costs that may arise from allegations of misconduct, wrongful acts, breach of professional duty, employee related issues and fraud resulting in a financial loss.

Personal Accident – Volunteers

Volunteers and board members in your organisation are not covered by workers compensation benefits. In this time and age, getting them a policy that gives them protection is not only equitable but is also the right thing to do.

Our group personal accident policy provides some coverage and compensate individuals if they are injured whilst performing their volunteer duties. The policy includes a financial benefit for death, disablement, accidental injury and other out of pocket expenses. If you have volunteers as part of your workforce, we recommend that you provide them appropriate insurance protection.

Information Technology / IT Liability

IT Liability Insurance is an industry-specific policy which protects you and your business against legal liability arising from failure of your products, services, due to wrongful advice. The policy packages professional indemnity as well as public and product liability into one insurance solution.

Plant & Equipment Insurance

Contractors deal with liabilities too and our Contractors Plant policy is the perfect solution to give them peace of mind while they focus on managing their business. This policy combines material damage, road risk liability, business interruption and broad form legal liability for single items or a fleet of plant and equipment. Please feel free to inquire for the specific equipment included in the coverage.

Contract Works Insurance

Built for the construction industry. construction industry is Contract Works Insurance. This provides coverage for material damage involving but not limited to formwork, hoardings, temporary buildings and scaffolding; testing and commissioning; defects liability, off-site storage and transit within Australia.

The Public and Products Liability covers your legal liabilities during the job and after its completion. We can include contractual liability protection, without exclusions for weakening/removal of support, demolition, use of explosives or underground services. And upon request we can even provide coverage for existing structure, difference in conditions, extended resultant damage coverage from faulty design, workmanship as well as contract of sale extension.

Marine Cargo / Transit Insurance

Transit insurance provides comprehensive coverage for all manner of transit—whether port to port, warehouse to warehouse or from raw material to delivered product. If you operate in the logistics industry, transit insurance is designed to provide peace of mind. The policy provides point-to-point coverage between your premises and those of your customers.

Policies can be tailored to provide protection for pure domestic transit movements, warehousing, storage, exhibition, processing or consolidation risks. And for your convenience, we can arrange an annual policy or based on a single shipment.

Motor Fleet Insurance
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Our state-of-the-art Motor Fleet Insurance lets you choose between comprehensive, third-party fire and theft, or third party only cover for each vehicle. The policy protects you from potential losses and risks associated with commercial vehicle ownership and operation. To easily manage your fleet’s insurance, our annual policies are designed with a common renewal date for all vehicles.

Business Travel Insurance
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Travelling while fun and exciting can sometimes be stressful. Knowing that you’re covered while travelling at least takes some of the burden off your shoulders. Business Travel Insurance provides coverage to owners and employees travelling domestically and overseas for business. Most policies even extend to cover business owners and their families travelling together on associated personal trips.

This policy protects you from unexpected overseas medical expenses, loss of baggage and travel delay, and even covers rental car excess. That’s translates to huge savings on travel costs.

Industrial Special Risks (ISR) –
Property Insurance

If your organisation’s assets are around $10,000,000, then the ISR policy might be the perfect policy for you. The ISR has the broadest property wording available providing coverage by any cause not specifically excluded by the policy.

There are 2 main sections (a) Material damage; physical assets, including buildings, stock, plant and machinery and (b) Business interruption/ consequential loss. if you want your high value assets in one or multiple locations protected, then the Industrial Special Risks policy is the right choice for you.

Workers Compensation

Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers compensation insurance that covers their workforce. However, you don’t have to worry about where to get the perfect policy to cover your employees, our team of experts will be there to guide you through the whole process.