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Business Insurance



Protecting the assets that you have worked so hard to accumulate is essential when owning and running your business. Your Insurance Advisor understanding your business and related risks is essential in being able to tailor an insurance program to appropriately protect your interests.

Whatever the size and shape of your business, there are a range of flexible business insurance options we can structure to protect you and your business from the everyday risks that you can’t control – allowing you to get on with what you do best.

Take the time to tell us about your business and its operations and in return receive professional insurance advice. Investing 30 minutes of you time now could save a lifetime of heartache and regret.

All businesses are unique and require professionally tailored insurance solutions.


Commercial Insurances



Business Insurance, Trade Insurance & Professionals Business Insurance


One or a combination of a number of the covers detailed below may be included in a tailored Business Insurance Policy. We will work with you and recommend a solution to address your individual businesses risks. Rather than paying in one lump sum, we can arrange for monthly payment of premiums directly from your bank account or credit card.

Fire & Other Damage

Covers the loss or damage to buildings, stock, customer goods and business contents for specified events such as fire, storm (flood, if agreed), impact, lightning, explosion, earthquake or accidental damage. The cost to remove debris is one of the additional benefits.


Covers you if your contents or stock (including customer’s goods) are stolen as a result of forced entry. As an optional extra, you can be covered for theft that occurs without forced entry.

Business Interruption

Covers the loss of income, and the increased costs of working, caused by an interruption to your business as a result of damage. This damage may be caused by any of the events covered, including Fire and Other Damage, Money, Goods in Transit, Glass, General Property or Burglary.

Glass Breakage

Covers the breakage of glass at the business premises. This includes the cost of temporary shuttering, replacement of sign writing, repairing plastic signs (up to $5,000), and the cost value of stock ruined by the broken glass.

Public and Products Liability

Covers your legal liability to pay damages for either damage to property owned by someone else, or personal injury to another person (other than an employee) or advertising liability caused by an event connected with your business.

Tax Audit

Covers you for the professional fees you need to pay in connection with an audit or review or investigation of your business’ tax affairs – whether they involve the Commonwealth or your State/Territory.

Goods in Transit

Covers you for the loss or damage to your goods that you sell, buy or use in your business whilst in transit caused by specified events, such as collision, overturning, derailment, fire, explosion, or theft following forcible and violent entry to the vehicle. Cover for the damage to goods during loading and unloading can be added to your policy. You may choose either Option A – Specified Perils or Option B – Accidental Damage.

Equipment Breakdown

Covers you for the cost of repairing or replacing electrical, electronic or mechanical equipment that suffers physical damage from a sudden and accidental failure. There is also optional cover for the deterioration of refrigerated stock, or substitute computer systems and restoration of computer data.

General Property

Covers loss or damage to property that you usually take with you to work.

Fraud and Dishonesty

Covers you for the theft of your goods or money by any of your employees.


Covers you for money that is lost, or damaged, while being kept in your building (during business hours or outside business hours), in transit or at your private residence.

Commercial Motor Insurance & Commercial Motor Fleet Insurance


Insurance for your business use vehicles, company cars and transport vehicles that are under 5 tonnes carrying capacity.

Comprehensive Insurance

Cover for accidental loss or damage, fire, theft or attempted theft, malicious damage to vehicles.  Also covers damage to other people’s property caused by your insured vehicles, up to $30 million.

Legal Liability Insurance

Cover for up to $30 million for amounts you are legally liable to pay as a result of property damage caused by your vehicle.

Contract Works & Legal Liability Insurance


If you own, run or manage a construction site, whether a multi-story development or simply an owner builder of a dwelling, we can assist you to insure for a variety of scenarios. Protect yourself by investing a small amount of time so that we can understand your risks and develop the appropriate insurance solution. Call us today if you think you may have a risk relating to any of the following scenarios;

  • Projects undertaken by builders, owners, contractors, financiers, or all parties to a contract that we agree.
  • New constructions or alterations and additions.
  • All phases of work: preparation, construction period, maintenance period and testing and commissioning.
  • Loss or damage to existing structures under an insured’s care, when requested.
  • Work being undertaken in cyclone zones above the 26th parallel, subject to our agreement.
  • For loss or damage as a consequence of defective materials, workmanship or defective design, plan or specification (but we do not cover the defective material, work, item or part itself.)

Cyber Insurance


Cybercrime attacks are on the increase and businesses need to do more to combat the threat from internal and external attacks. Cyber insurance offers cover for:

First Party Costs

Reimburses the Insured for the costs they would incur to respond to a breach, such as IT Forensic Costs, Credit Monitoring Costs, Public Relations Expenses and Cyber Extortion Costs (including ransom payments to hackers).

Third Party Claims

Covers the Insured’s liability to third parties from a failure to keep data secure, such as claims for compensation by third parties, investigations, defence costs and fines and penalties from breaching the Privacy Act.

Employment Practices Liability


Employment Practices Liability Insurance is designed to cover legal liability arising out of claims by employees for;

  • Discrimination;
  • Unfair dismissal; and
  • Workplace harassment.

Farm Insurance


Farm Insurance protects you against financial-loss if you experience a major interruption to your business – including covers designed specifically for farms including machinery breakdowns or loss of feed and stock. Cover options can include:

  • Domestic buildings and domestic contents
  • Farm property
  • Farm machinery and working dogs
  • Theft
  • Hay, grain, fencing, livestock and farm trees
  • Business interruption
  • Business liability
  • Machinery breakdown
  • Personal income

Industrial Special Risk Insurance


If yours is a larger and more diverse business and has assets over $5 million (across one or more locations), we can arrange Industrial Special Risk Insurance, tailored to meet your specific needs under one policy. Industrial Special Risk insurance combines several individual policies and covers, into one policy. We will offer you choice by working with you to understand your needs, identifying the best policies to meet your needs and offering the best price on premium that we can secure. Rather than paying in one lump sum, we can arrange for monthly payment of premiums.

Management Liability


Management Liability Insurance is designed to provide protection for directors, officers and the company in the running of a business. It incorporates cover for;

  • Directors and officers liability;
  • Statutory liability;
  • Crime; and
  • Employment practices
  • Statutory fines and penalties (Cival)
  • Public relations expenses
  • Crisis costs

Directors of companies have an obligation to meet the requirements of the Corporations Act 2001 which contains over seven hundred statutes.

It is essential that the directors of a company protect their assets as well as the ongoing viability of the company.

Marine Insurance


Marine insurance is designed to protect against loss or damage to goods or merchandise transported inland within Australia or internationally.

Not-for-profit Organisations Insurance (NFPO)


Insurance designed specifically for volunteer and community groups. NFPO insurance will cover your volunteer or community group for public liability exposure for both your staff and volunteers injured while helping or in the event of injury to a member of the public at one of your events.

Product Recall


Legal liability for all costs, expenses and damages for withdrawal or recall of goods or products because of any known or suspected defect or deficiency therein.

Professional Indemnity


Professional Indemnity Insurance is designed to cover legal liability to compensate third parties for loss or injury sustained by them arising out of negligent acts, errors or omissions on the part of the insured in the conduct of their business. Benefits include:

  • Up to two hour of legal consultation
  • Costs for court attendance
  • Reporting period extended

Public & Products Liability Insurance


Public & Products Liability Insurance is suited to those who provide professional advice for a living, including but not limited to accountants, lawyers, marketing consultants and medical professionals.

  • Legal liability for bodily injury and/or damage to property occurring in connection with a business
  • Legal liability for bodily injury and damage to property caused by any products sold or supplied by the insured.

Trade Credit


Trade Credit Insurance covers the risk of your customers not paying for the goods or services you have provided.


Easy Monthly Payments

Rather than paying in one lump sum, we can arrange for monthly payment of premiums directly from your bank account or credit card.