| Key features |
Description |
| Fire and Other Damage insurance |
Covers you for loss or damage to business contents and stock at your business premises for certain specified events such as fire, storm (but not flood), impact, lightning, explosion and earthquakes. Also included is the cost of removing debris. |
| Accidental Damage insurance |
Covers you for accidental loss or damage to the property insured at your business premises.
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| Public and Products Liability insurance |
Insurance cover should you become liable for personal injury, including death, or damage to property as a result of an occurrence connected with your business. |
| General Property insurance |
Cover for loss or damage to items of your choice anywhere in Australia including power tools, dumpy levels, mobile phones etc. |
| Buglary insurance |
Following a violent and forced entry to your trade premises, burglary insurance covers you for theft of stock, electronic equipment and other business contents within your building.
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| Construction insurance |
Covers you for theft or damage to contract work you do. Your policy also covers any accidental damage during maintenance work after a contract is finished, for a maximum period of 12 months. You can also cover your tools and equipment as well as the cost of demolition and/or removal of debris. |
| Goods in Transit insurance |
Covers you for loss or damage to goods in transit caused by specified events such as collision, overturning, derailment, fire, explosion, or theft following forcible and violent entry to the vehicle; the damage to goods during loading and unloading can be added to the cover. |
| Business Interruption insurance |
Covers loss of income for your business as a result of insured damage that happens at the insured premises. |
| Fraud and Dishonesty insurance |
Covers you for loss of money or goods as a result of an act of fraud or dishonesty committed by any of your employees.
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| Glass Breakage insurance |
Covers the breakage of external or internal glass and glass or plastic signs at your business premises. |
| Money insurance |
Covers you for loss of or damage to money which is kept in your building, in transit or at your private residence. |
| Equipment Breakdown insurance |
Covers the cost of repairing electrical or mechanical machines for sudden and accidental breakdown. Business interruption is covered under this option provided that it is included in the overall cover of the policy.
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| Tax Audit insurance |
Covers you for professional fees that occur in connection with a tax audit. |
| Personal Accident & Illness |
Covers loss of weekly earnings should you become ill or have an accident which occurs or first appears during the policy period |