General Insurance

Business Package

Business Package insurance is a package product designed for small business which includes property, consequential loss of profits, theft, money, machinery breakdown, electronic equipment, public & products liability, glass breakage and general property. Optional extensions include taxation audit costs, goods in transit, employee dishonesty and motor trades extensions.

Compulsory Third Party (CTP)

Insurance covering accidental bodily injury to or death of third parties as a result of road traffic accidents. All owners of motor vehicles using public roads in Australia are required to have CTP cover taken out in the State in which their vehicles are registered.

Contract Works and Building Works

Covers loss, destruction of or damage to contract works and all materials ascribed to the contract whilst in transit or on or adjacent to “the insured site”.
(Cover applies both during the construction and maintenance periods and is tailored to reflect the particular risks specified that relate to construction contracts.)

Can also cover legal liabilities for injury to any person(s) and/or damage to any property of third parties arising out of the construction/maintenance operations.

Corporate Travel

Covers a variety of scenarios when travelling for business and pleasure, including but not limited to loss of baggage, loss of deposits, overseas emergency medical expenses, kidnap & ransom, and personal liability.

Events Cancellation and Abandonment

Cover to protect Promoters and Investors against losses that arise through the cancellation or abandonment of a nominated event caused by a prescribed peril or circumstance.

Industrial Special Risks

Covers your physical assets (excluding registered vehicles) and the consequential loss of profit for loss or damage caused by an insured event.

The definition of an insured event is extremely broad, however, will include loss or damage caused by:

• Theft

• Fire

• Storm & Tempest

• Accidental Damage

Journey Injury (outside Workers’ Compensation)

With the recent changes in NSW Workers' Compensation Legislation, a worker's regular travel to and from work is no longer covered as a compensable cost on your Workers’ Compensation Policy. Journey insurance fills the gap between your employees leaving their front door and arriving at the workplace. The cover is designed to provide financial assistance to your employees so that they can obtain the appropriate treatment and make a swift return to work, reducing the lost productivity of not having them in the workplace.

Landlords

Protects residential property owners in the event of damage to their property by tenants and, in some circumstances, rent default.

Machinery Breakdown

Physical loss or damage to machinery caused by mechanical or electrical breakdown. The policy can be extended to also cover the resultant loss of profits.

Marine Hull & Transit

Marine Hull insurance covers the risk of loss to ships and vessels

Marine Transit/Cargo insurance covers your cargo while in transit. We offer solutions for transits within Australia, to and from Australia or worldwide.

Marine Operators Liability

Loss of or damage to third party property or third party personal injury for which you are legally liable arising out of your marine operations. These polices apply to shipyards, marinas and similar businesses.

Motor Vehicle

Covers the physical loss or damage to the vehicle and third party liability.

Pleasurecraft

This policy can cover the craft itself, accessories and also your legal liability for personal injury or property damage (including water skiers liability).

Pollution Legal Liability

Covers legal liability for personal injury or property damage caused by unintended gradual or long term pollution. This policy also covers the Insured for legal costs and the costs of removing, rendering harmless or cleaning up any substance which has caused or would cause environmental damage.

Prestige Homeowners

Prestige Homeowners insurance cover is specifically tailored to protect prestigious homes, contents and precious possessions. With contents automatically covered wherever you are in the world for accidental loss or damage, even when you are travelling or your goods are in transit or storage.

Products Tamper/ Contamination/ Recall

Covers the costs and loss of net profit where products are withdrawn or destroyed due to actual or alleged contamination or malicious tamper so as to render the product unfit or dangerous for use. Covers legal liability for all costs, expenses and damages arising from the withdrawal or recall of goods or products because of any known or suspected defect or deficiency therein.

Public & Products Liability

Covers your legal liability to third parties resulting from your negligence or alleged negligence in respect of personal injury and/or property damage arising from your business activities.

Voluntary Workers

Provides volunteers with Personal Accident insurance whilst they are undertaking their duties as a volunteer.