Information and Quotes Business Insurance

If you want a quotation complete the questionnaire below on the type of insurances your business require and submit it to us and we'll contact you.

Business Checklist of the Most Common Types of Insurance

Property — Buildings, Contents, etc This composite policy can include a selection or all of the following perils: Fire, Lightning, Explosion, Aircraft, Earthquake, Storm & Tempest, Rainwater, Water Damage, Flood, Malicious Damage, Riots & Strikes, Impact by Vehicles or Animals.	Yes No
Business Interruption Covers loss of gross profit or revenue, to maintain the continuing or fixed costs of a business and increased working costs incurred to avoid or diminish a reduction in the business results and profitability following loss of or damage to property.	Yes No
Theft / Burglary Burglary coverage is restricted to theft following break-in or committed by persons concealed on the premises. Theft cover is not dependent on either of those characteristics (and as a result, if available, is normally more expensive).	Yes No
Money This can cover money at designated premises, in safes and strong rooms and whilst in transit.	Yes No
Glass Can cover either specified items of glass or more typically all glass on the premises. Cover can be extended to include such items as sign writing and framework.	Yes No
Public & Product Liability Legal liability to pay compensation (including legal expenses) to third parties in the event of the Insured causing injury, death or loss of or damage to property arising out of business operations or products.	Yes No
Public Liability - Property Owner Only Legal liability to pay compensation (including legal expenses) to third parties in the event of the Insured causing injury, death or loss of or damage to property arising out of ownership of a property.	Yes No
Machinery Breakdown Covers sudden and unforeseen mechanical or electrical breakdown of plant and machinery. The policy can be extended to cover consequential loss from interruption to the business following such breakdown.	Yes No
General Property or Special Risks Covers loss of or damage to specified property, normally of a portable nature, which is not covered under the policy on property at the insured’s premises.	Yes No
Electronic Equipment Covers physical loss or damage, including mechanical or electrical breakdown, to computing equipment and loss due to interruption to the business as a result of loss, destruction or damage by an insured peril.	Yes No
Personal Accident & Illness Can provide weekly and lump sum benefits for accidental death or injury to a specified person or persons. Protection is also available to cover sickness.	Yes No
Motor Vehicle This can take several forms: Comprehensive own damage and third party property damage. Third Party Property Damage plus Fire and Theft. Third Party Property Damage only. Compulsory Third Party this is compulsory insurance in all States of Australia and applies to Third Party Injury or Death sustained in an accident involving a registered motor vehicle.	Yes No
Employee Fraud Covers loss sustained through fraudulent or dishonest acts committed by employees.	Yes No
Tax Audit Covers professional fees charged by an accountant in connection with a Taxation Office audit, including costs in obtaining expert advice.	Yes No
Transit Cargo insurance is divided into Inland and Overseas cover for property and goods in transit between locations.	Yes No
Workers Compensation All employees injured by accident or industrial diseases arising out of, or in the course of their employment are legally entitled to compensation under the various Workers’ Compensation statutes.	Yes No
Corporate Travel Covers baggage, overseas medical expenses, money, personal accident benefits, loss of deposits and other contingencies appropriate for insured persons whilst traveling on the business of the Insured. This policy is often purchased on an annual basis.	Yes No
Professional Indemnity Covers legal liability to compensate third parties for loss sustained by them arising out of negligent acts, errors or omissions or civil liability on the part of the Insured in the conduct of their business.	Yes No
Directors & Officers Liability Covers Directors or Officers for their legal liability for wrongful acts committed whilst acting in their capacity and reimburses the company for payments it is legally entitled or obliged to make in indemnifying them for claims made against them whilst acting in their capacity as Directors or Officers of the company.	Yes No

This is a checklist of some of the most commonly arranged insurance for business. It is not exhaustive but is meant as a guide only.

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