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Imposed taxes

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

Failure to Lodge

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

Dishonest Tax return

I claimed for costs that I did not incur. This is not covered.

Superannuation Guarantee

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

Payroll tax Audit

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

GST Audit

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

Short power outage

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

In Liquidation

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

Bankruptcy

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

Storm

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

Impact

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

Fire

My Premises has a fire and can not trade.

Taken by staff

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

Accounting errors

My accounts at the end of the month do not balance. This is not covered.

Carrying Money

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

Money at home

My house is broken into and my business money is stolen

Money in a Safe

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

Money from premises

My premises is broken into and my business money is stolen.

Wear and Tear

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

Loss of income

I am losing income while my car is being repaired, after an accident. I need the ‘rental vehicle after accident’ optional benefit. This is not covered.

Deliberate Damage

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

Flood

Flood waters have damaged my parked vehicle.

Theft

Someone has stolen my locked vehicle.

Uninsured third party

My comprehensively covered vehicle is crashed into by someone else.

Storm

A storm has caused hail damage to my vehicle.

Damages by employees

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

Malicious Damage

Someone has keyed my vehicle.

Unlocked Vehicle

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

Wear and Tear

I have scratches on my camera lens and I need to have it replaced. This is not covered.

Theft of items

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

Damage caused by Accident

The video recorder I use for work dropped and is damaged. It needs to be replaced.

False credit cards

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

Money

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

Temporary Protection

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

Break and enter

I have a break and enter at my premises and my camera equipment was stolen.

Wear and Tear

I have chipping on my ceramic hand basin. This is not covered.

Light fittings

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

Computer screen

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

Glass Signs

My glass sign is broken during a storm.

Accidental Breakage

My ceramic toilet bowl accidently breaks.

Malicious Damage

Someone throws a stone through my shop window.

Loss of income

My revenue has reduced since I had a fire. I would need Back in Business to cover this.

Maintenance

My digital printer needs to have a service. This is not covered.

Wear & Tear

My carpet is starting to wear thin and needs to be replaced. This is not covered.

Impact

A truck drives into my office causing damage to my business equipment.

Leaking Water Pipes

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

Storm Damage

My ceiling collapses under weight of storm water and my contents are damaged.

Accidental Damage

My office camera is knocked off its tripod and needs to be replaced.

Malicious acts

Thieves break in and damage my camera equipment.

Fire

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

Slips and Trips

A customer slipped on bubbles I provided to take a photo.

Treatment Risk

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

Product causes injury

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

Work causes damage

While photographing at my customers premises. I have knocked over their lighting system.

Injury at my premises

A delivery person is injured when my advertising sign falls on them.

Vehicles

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

Professional Indemnity

My customer did not like the photos I produced and caused the customer anguish. This is not covered.