I have been informed that I need to pay more tax. This is not covered.

I did not lodge my tax return. This is not covered. 

I did not include my cash jobs in my tax return. This is not covered.

I have been notified that my superannuation guarantee is being audited, I need to pay the professional fees of my accountant.

I have been notified that my payroll tax is being audited, I need to pay the professional fees of my accountant.

I have been notified that my GST is being audited, I need to pay the professional fees of my accountant.

The power went out for a day and I could not operate. This is not covered. 

I have gone into Liquidation and I am losing money. This is not covered.

I have gone into Bankruptcy and I am losing money. This is not covered.

My ceiling collapses in a storm and I can not see my clients.

A truck impacts my salon and I can not see my clients.

My Salon has a fire and can not trade.

My employee steals my business money. I would need management liability for this.

My till was short at the end of the day. This is not covered.

I am held up on my way to the bank and my business money is stolen.

My house is broken into and my business money is stolen

My salon is broken into and my business money stolen from my safe.

My salon is broken into and my business money is stolen from my till.

The original paint on my vehicle has faded. This is not covered.

I am losing income while my car is being repaired, after an accident. I need the ‘rental vehicle after accident’ optional benefit.

I intentionally damaged my own vehicle. This is not covered.

Flood waters have damaged my parked vehicle.

Someone has stolen my locked vehicle.

My comprehensively covered vehicle is crashed into by someone else.

A storm has caused hail damage to my vehicle.

My employee has reversed my vehicle into someone else's vehicle.

Someone has keyed my vehicle.

I left my car unlocked and my laptop was stolen. This is not covered.

I have scratches on my laptop screen and I need to have it replaced. This is not covered.

My Laptop has been stolen from my locked vehicle and I need a new one.

My mobile phone is dropped and damaged and needs to be replaced.

A customer pays for their treatment with a fake credit card. This is not covered.

My salon is broken into and my business money is stolen from my till. I would need to take the money section to cover this.

A customer received a treatment and left without paying. This is not covered.

I have a break in and I can not lock up my salon.

I have a break and enter at my Salon and my stock is stolen.

My glass counter top has scratches from customers putting things on it. This is not covered.

When moving furniture I have knocked a light fitting and it has broken. This is not covered.

I have cracked the screen on my laptop. This is not covered.

My glass sign is broken during a storm.

My ceramic wash basin accidently breaks.

Someone throws a stone through my shop window.

Covers you for a reduction in your business revenue caused by damage to your property in an insured event. This is not covered.

My shampoo chair needs to be serviced. This is not covered.

My old chairs are starting to tear on the seat and they need to be replaced. This is not covered.

A truck drives into my salon causing damage to my stock. 

My sink pipe breaks and causes water damage to my contents.

My ceiling collapses under the weight of storm water and my salon equipment is damaged.

My office computer is knocked off the desk and needs to be replaced.

Thieves break in and damage my salon equipment.

An electrical fault causes a fire  and destroys my salon equipment.

A flood causes damage to the floor of my salon.

My customer slips on the hair on the floor.

My customer has an allergic reaction to the treatment I have performed.

My customer has an allergic reaction to the product I have used.

I have spilt hot wax on my customers clothing and phone.

A customer is injured when my shelving falls on them.

I have an accident in my work vehicle driving to see a client. I would need a motor policy to cover this.