Insurance for Small to medium enterprises

No matter what industry you are involved with, there are certain risks that come with being in business. Depending on your activities, the risks are often varied and the right insurance policies can give you piece of mind that you are covered should the worst happen.

For but not limited to: Retail shops, Food outlets, Cafes and Restaurants, Butchers, Caterers, Bakeries, Florists, Sign writers, Clothing shops, music and dance schools, Personal Trainers, Hairdressers, Photographers, Newsagents, Dog Groomers, Walkers & Trainers, Driving Instructors, Nurseries, Jewellery Shops, Beauticians, Wholesale Buyers, Disc Jockeys, Licenced function centres, Sporting Clubs & Gyms, Import/Export Operations, Hobby shops, Security Guard Services, Engraving & Trophy Services.

Business Insurance
is a packaged insurance policy that can be tailored to cover the physical assets of a business such as building, contents and stock for events such as fire, flood, theft, electronic and/or machinery breakdown and business interruption.
Public & Products Liability Insurance
covers injury to third parties or damage to third party property in connection with the business activities.
Product Recall Insurance
covers the costs related to recalling a product from the market as a result of certain defined triggers or events.
Professional Indemnity Insurance
covers those who provide advice or a service to their customers. It is designed to protect you against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of professional duty in the course of your business.
Management Liability Insurance
covers directors, officers and the company itself from the exposures relating to the management of a company. The covers include Directors & Officers Liability, Company Liability, Statutory Liability, Employment Practices Liability, Employment Dishonesty (Crime) and Tax Audit Expenses.
Cyber Risk Insurance
covers Breach of Privacy, Transmission of a Virus, Third Party Liability and Cyber Extortion.
Farm Package Insurance
is a policy that can be tailored to cover rural property owners (or occupiers) for business purposes and can include cover business property, home building and contents, valuables, farm property, motor vehicle, personal accident & sickness, and Pleasure-craft boat. It can also include Public Liability cover for the business activities carried out.
Marine Insurances
including Cargo, Carriers, Marine Liability, Commercial Hull.
Corporate Travel Insurance
covers travel for business trips internationally, interstate and intrastate and can cover incidental private travel. Cover includes medical expenses, cancellations and more.
Workers Compensation
is a statutory compulsory insurance required for employers who have employees, covering employer’s liability.

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