Cover for legal liability if your business or products cause personal injury to someone else (who isn’t an employee) or damage to their property. Depending on your occupation, you can select a limit of up to $5 million, $10 million or $20 million.
Cover for loss or damage to contents and stock at your business premises resulting from an insured event. Insured events include flood*, fire*, lightning, and explosions.
We call this Portable & Valuable Items cover, which provides cover for portable and valuable items you usually carry around with you in the course of your business, like specialist tools, mobile phones and point of sale terminals. Items valued under $2,500 don’t need to be individually specified on your policy.
We call this 'Back in Business' and it can provide cover for a reduction in business revenue and increased costs of working up to 12 months from business interruption or interference due to loss or damage from an insured event.
Cover of loss of, or damage to, your contents, specified items and stock caused by theft.
Cover for damage to property such as contents and stock at your business premises resulting from an insured event. Insured events include flood, fire, lightning, and explosions.
Cover for professional fees reasonably and necessarily incurred by you if your business’s financial or tax affairs are audited by the Australian Taxation Office, or a State or Territory department or agency. You can select a limit of up to $100,000 when you get a quote online.
Cover for the loss of, or damage to, your business’s money while in transit, at the premises or in custody at a private home. You can select a limit of up to $20,000 when you get a quote online.
Cover for the loss of, or damage to, internal or external glass as well as sanitary fittings at your business premises. This can include things like windows, signs and showcases.
Choose from three types of cover for the business vehicles you insure: Comprehensive, Legal Liability only, or Legal Liability, Fire and Theft. Please note that not all types of cover are available for all types of vehicles.
This information is a summary only. For more info on the covers we offer and what isn’t covered, including terms, limits, conditions and exclusions, read the Product Disclosure Statement PDS and Policy Wording
*We do not insure you for flood, bushfire or grass fire in the first 72 hours of commencing a new policy or adding property damage cover. Damage from cyclone within 72 hours of commencing a new policy is also not covered. Refer to the PDS and Policy Wording for details.