We understand what matters to you, and what kind of insurance is appropriate to suit the needs of your business.

These days it’s easier than ever to get business insurance wrong. On-line tick-boxes often result in paying for business insurance that you don’t need, or being underinsured when it comes to the crunch.

Did you know that 70% of small businesses that are not insured or who are underinsured wouldn’t survive a serious event*? (*Insurance Council of Australia October 2002.) We understand that when you own a business, it’s more than just a job, it’s your livelihood. You can’t afford not to have business insurance.

So you can relax and feel confident knowing you have the right insurance for your business, talk to us.

Business insurance offers flexible cover that can be tailored to suit your needs and protect your business against a range of contingencies such as:



Covers your building and business contents and stock for certain specified events such as fire, storm (but not flood), impact, lightning, explosion, earthquake. The Sums insured you have decided upon must be the reinstatement or replacement values at the time you enter into a business insurance policy, including the cost of removing debris. Covers you for accidental loss or damage to the property insured at your business situation.

Public and Products Liability

Covers your legal liability for personal injury or damage to property caused by an occurrence connected with your business. Current policy includes protection for past occupations specified in your Policy schedule.

Professional Indemnity

Provides cover for an error or an omission by a business providing advice.


Cover for theft of stock, electronic equipment and other business contents contained within your building, following forced and violent entry.

Business Interruption

Covers you for loss of gross profit or gross rentals resulting from interruption of or interference with your business caused by damage which is triggered if you are insured under either Fire and other damage, Burglary, Money, Glass, Goods in Transit, and General property policy sections.

Machinery Breakdown

Covers your working machinery for sudden and unforseen and unexpected physical damage which requires repair or replacement to enable normal work to continue. Machinery is defined as electric, electronic, mechanical or hydraulic machinery belonging to You. This policy also covers you for Cold Chambers, Deterioration of Stock, Mobile Machinery and Pressure Equipment.

Management Liability

Management Liability packages specialize in cover for private companies, not for profits and associations. We offer a selection of insurance covers depending on your circumstances. Covers can include protection against, wrongful act, employment practices, wrongful dismissal and general protection for office bearers relating to their duties as a director or officer of a company or organisation.

General Property

Cover for items of your choice for loss or damage as specified, such as mobile phones and laptop computers, whether in the office or out.


Provides cover for the replacement value of broken glass. Also includes the cost of temporary shuttering, replacement of sign writing, repairing plastic signs up to $5,000, and the cost value of stock spoiled by the broken glass.

Electronic Equipment

Covers your electronic equipment such as Laptops and computer systems for one of two covers - Basic Cover covers loss due to a sudden and accidental break down of an item of insured property whilst Accidental Damage cover covers loss or damage to items of insured property from any cause (other than those which are specifically excluded).


Covers you for loss of or damage to money while in transit, in the building during business hours, in the building outside business hours, in the building in a locked safe or in custody.

Fraud and Dishonesty

Covers you for loss of money or goods as a result of an act of fraud or dishonesty which is covered by the policy, committed by any of your employees, either acting alone or in collusion with others.

Personal Accident

Provides cover for an Insured in the event of an Accident, for amounts nominated in the schedule. This covers an Insured for Earnings they would have normally received had they not been involved in an accident for a period of up to two years.


Covers your vehicle for loss and or damage and Your liability to a Third Party following an accident.

Industrial Special Risks

Designed for businesses where total assets, such as building and contents have a value exceeding $2 million. The sections of this policy are very similar to that of a normal business insurance policy but with higher limits and sums insured.

Goods in Transit

Covers you for loss or damage to defined goods in transit within Australia, or to and from Australia and specified countries caused by defined events or perils. Loading and unloading, theft or pilferage cover can be added.

Tax Audit

Covers you for professional fees reasonably and necessarily incurred in connection with a business tax audit.