Business Insurance

Including loss or damage to buildings, contents, stock or other specified items at your premises.

Some exclusions apply. For example, this does not cover loss or damage caused by power surges, insufficient maintenance, cyclone or bushfire, nor does it cover consequential loss such as loss of earning capacity.

Please see the PDS for further details.

Includes replacement of locks and temporary protection following a theft.

Some exclusions apply. For example, this cover does not include theft by you, your employees, or your family, nor does it include theft that occurs if a key/security pass was used to access the building, or if a window or door was left open.

Please see the PDS for further details.

Covers a reduction in your business income because of damage caused by insured events, as specified in the PDS. 

Some exclusions apply. For example, this cover does not apply if you form the intention of ceasing the business.

Please see the PDS for further details.

Covers your legal liability to pay compensation for personal injury, property damage or advertising liability, if caused by an occurrence in connection with your business. Includes first aid costs and legal costs.

Some exclusions apply. For example, this cover does not include pollution caused by your business.

Please see the PDS for further details.

Covers the management liability of you, your directors, your officers and your employees.

Some exclusions apply. For example, this does not cover bodily injury and property damage, or losses from dishonest or criminal intent.

Please see the PDS for further details.

Covers the breakdown of insured equipment at your premises, and any loss or damage directly caused by the breakdown. This cover includes temporary hire costs for replacement equipment. 

Some exclusions apply. For example, this cover does not include loss or damage to air conditioners, or caused by earthquakes, storm, flood or fire.

Please see the PDS for further details.

Covers your civil liability in respect of claims arising from an act, error or omission made by you when providing professional services (for example, the incorrect issuing of a roadworthiness certificate). 

Includes money lost in transit or outside of business hours.

Some exclusions apply. For example, this cover does not include money lost as a result of clerical or accounting errors, or stolen from an unattended vehicle.

Please see the PDS for further details.

Specified items must be individually mentioned on your certificate of insurance and will be covered up to their full replacement value.

Unspecified items will be covered for up to $2,500 per item. 

Covers professional fees (such as accountant’s fees) incurred by you in connection with a tax audit.

Some exclusions apply. For example, this cover does not include returns that aren’t prepared by a tax agent.

Please see the Policy Wording for further details.