Protection for your business

When you’ve put a lot of time and effort into building a business, you want to do everything you can to ensure its ongoing success. That’s why business insurance is so important.

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

Making your business a success…

Business Insurance

Business Insurance helps small to medium sized businesses protect their business premises and everything in it from damage or loss.

Cover options can include:

  • Fire and Other Damage Insurance to protect your building and its contents
  • Burglary Insurance against theft of stock or other business equipment
  • Business Interruption which covers your business against loss of gross profits and increased costs of working, caused by an interruption to your business resulting from an insured event
  • General Property options to protect other items such as mobile phones and laptops
  • Public and products liability insurance.

Make sure you can get your business back on track quickly following an unexpected event, with the right cover under Business Insurance.

Trade Insurance

Trade Insurance allows you to protect your business premises and equipment against damage or loss. It is available across a broad range of trades, with cover options including:

  • Public and Products Liability Insurance to cover damage caused to people or property in the course of your business
  • General Property to cover your tools of trade, laptop computers and other equipment anywhere in the world
  • Tax Audit Insurance to cover your legal and accounting fees if you are audited
  • Fire and Other Damage Insurance to protect your building and its contents.

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:

  • Business Liability Insurance to cover personal injury or damage to property caused by your business activities
  • Farm Property Insurance to cover your buildings and contents against damage or loss
  • Domestic Property – Home and Contents Insurance to cover you against damage or loss as a result of fire, theft and flash flood.

Commercial Motor Insurance

Commercial Motor Insurance allows you to protect the vehicles that your business owns, from small hatchbacks to trucks with a carrying capacity of up to five tonnes, whether they’re on and off the road. Choose from two types of cover:

  • Comprehensive cover to protect your vehicles against accidental damage and loss
  • Legal liability cover to protect you against damage caused to another person’s property and personal injury caused by your vehicles.

Fleet Motor Insurance

Fleet Motor Insurance is specifically designed for medium to large businesses that have 15 or more commercial vehicles for your mobile sales or delivery teams. Choose from different types of cover including:

  • Comprehensive cover to protect your vehicles against accidental damage and loss
  • Legal liability cover to protect you against damage caused to another person’s property and personal injury caused by your vehicles.

Heavy Motor Insurance

Heavy Motor Insurance provides specialized protection for heavy mobile machinery, or vehicles with a carrying capacity of over five tonnes. It is available across a range of occupations, including earthmoving equipment, general carriers, tippers and equipment movers.

Public Liability Insurance

Public Liability Insurance protects you against the risk of someone being injured, or having their property damaged, as a result of your activities. It is generally appropriate for any type of business that deals with clients in person, either at your own premises or theirs.

Industrial Special Risk Insurance

Industrial Special Risk Insurance is designed for larger, more diverse businesses where it is more practical to combine several individual policies into one. So if you have assets over $3 million and a diverse number of locations Industrial Special Risk Insurance can be tailored to meet your specific needs under one policy.

Professionals Insurance

Professional Business Insurance allows you to protect your business premises and equipment from damage or loss. Covering a broad range of professional occupations, your cover options include:

  • Fire and Other Damage Insurance to protect your building and its contents
  • Burglary Insurance against theft of stock or other business equipment.

Professional Indemnity

Professional Indemnity Insurance is designed for people who provide professional advice for a living, including accountants, marketing consultants and medical professionals. It protects you, your employees and your business against claims arising from alleged errors and omissions in carrying out your professional duty.

Contract Works and Legal Liability

Contract Works and Legal Liability Insurance is designed for businesses who own, run or manage any type of construction site – protecting you against major contingencies before, during and after completion. Covers can be available as a one-off policy for a specific project, or you can take an annual policy covering multiple projects and sites Australia-wide.

Workers Compensation Insurance

Workers Compensation Insurance protects your employees against any injuries that may happen to them at work – paying them a weekly wage and helping cover their medical and rehabilitation expenses. It is available for businesses of all sizes and in all industries.

Not-For-Profit Organisations Insurance

Not-For-Profit Organisations Insurance is specifically designed for volunteer and community groups. It covers your organisation’s public liability exposure if your staff or volunteers are injured while helping out, or if a member of the public is hurt at one of your events.