Solutions, that fit your needs
Home
Home insurance protects you from financial risk if your home is damaged or destroyed. Home insurance can also cover your home’s contents if they’re damaged, lost or stolen. Depending on your situation, you can choose to cover specific events or opt for wider accidental damage cover. Home and contents insurance can also protect you against legal liability if someone is injured or killed on your property.
Private Motor
Private motor insurance covers your motor vehicle against accidental damage and theft. If you have an accident and you’re at fault, private motor insurance can also protect you from the financial costs of repairing or replacing someone else’s vehicle.
Domestic Landlord
Domestic landlord insurance covers your rental property, and its contents, against listed events or accidental damage. It can also cover damage tenants cause to your contents and loss of rental income if tenants are evicted or break their lease.
Business
A business takes years to build, but it can all be gone in minutes. Business insurance protects business owners against the main risks of operating a business, including: Download flyer
· Property damage: repair or replace damaged property
· Business interruption: recover lost profits following insured damage to property as well as additional costs incurred during a claim Download flyer
· Theft: repair or replacement if property is stolen
· Money: cover if money is lost
· Public or products liability: if you have to pay compensation for personal injury or property damage or the costs of defending a claim
· Glass: to replace internal or external glass, such as shopfront windows, mirrors or display cases
· Transit: if stock arriving by road, rail, air or sea is damaged
· Electronic equipment breakdown: repair or replace electronic equipment that breaks down
· Machinery breakdown: cover for costs of machinery breakdown as well as deterioration of stock caused by the breakdown
· General property: cover your ‘tools of trade’, like laptops, phones and tablets
· Tax audit: covers the costs of an ATO audit
· Employee dishonesty: protects against direct financial loss from dishonest or fraudulent conduct by an employee, discovered during the period of insurance.
Office
Office insurance is designed for people who conduct their business from a professional office, such as consultants, financial and administration service providers, and medical and other professionals.
Commercial Motor
Commercial motor insurance covers your vehicle against accidental damage and theft as well as financial costs of repairing or replacing someone else’s vehicle in an accident if you’re at fault.
Public & Product Liability
You may be liable for costs if an accident or unforeseeable incident causes damage or injury to someone, other than an employee. Public liability insurance protects your business from the financial risk of liability claims. Product liability insurance is designed to protect your business if you’re sued because a product you sell, assemble or supply caused harm to a person or property.
Professional Indemnity
Anyone can make a mistake, but if your business is found liable for negligence, the costs can be devastating to your bottom line and reputation. Professional liability insurance helps protect your assets and brand if your advice or services cause a client to take legal action against you.
Management Liability
Business operators may be personally liable for actual or alleged breaches of the Corporations Act. Management liability insurance protects businesses against a combination of liabilities, including directors and officers, employment practices and fiduciary liability. Typical claims include allegations of sexual harassment, wrongful termination, discrimination, and mismanagement of funds.
Cyber Protection
A cyber attack could cost more than money, threatening intellectual property, compromising customers’ personal information and damaging your reputation. Cyber protection insurance covers your business against the financial impact of computer hacking or a data breach.
Commercial Property Owners
When others use your property to run a business, like a shop, office or warehouse, commercial property owners insurance protects your investment against such risks as property damage, loss of income, glass damage and legal liability.
Hobby/Leisure Farm
It’s a common misconception that insurance is unnecessary for a hobby farm if it doesn’t generate income. Farming on any scale carries risk, often involving dangerous equipment and unpredictable animals. Hobby/leisure farm insurance can also cover your home and contents.