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Fire
& Perils
Destruction of or damage to your buildings and
contents through fire, Other perils may be added
through extensions - lightning, explosion, impact,
earthquake, riot, malicious damage, storm, flood
and water damage
Business
Interruption
Provides cover if your business is interrupted
through damage to property by fire or other insured
perils. This enables that ongoing expenses are met
and anticipated net profit is
maintained.
Burglary
Covers against loss or damage to stock, goods held
in trust and all contents for which you are
responsible within the premises, by theft involving
violent, forcible entry. Note that the insurance
definition of theft involves force or violence, so
cover does not normally protect against loss due to
the dishonesty of employees or other people
entitled to be on the premises.
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Loss
of Money
Cash and near cash (postal orders, cheques, stamps)
can be insured against theft from office or shop
premises or loss in transit or private
residence.
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Goods
in Transit
Cover against loss or damage to your property while
being carried by your own vehicles, road haulier,
air, rail or post. Cover can be arranged within
Australia or on a world wide basis.
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Engineering
Equipment
Some plant, such as pressure vessels and lifting
tackle, must be inspected and certified annually.
This service is often obtained within an
engineering policy, covering all the plant and
machinery used by a firm against risks, such as
collapse, explosion and breakdown.
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Public
Liability
Covers you against claims by members of the public
who may suffer injury to their person or damage to
their property while they are at your premises, or
you are working at their premises.
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Products
Liability
If you sell, supply or deliver any sort of goods,
even in the form of a repair or service, then you
may need this protection against claims arising
from goods allegedly causing injury or
damage
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Workers
Compensation
Covers claims arising from the death, injury or
illness of employees arising out of their
employment under Workers' Compensation legislation
or at common law, including legal costs
incurred.
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Tax
Probe Insurance
Reimbursement of professional fees reasonably and
necessarily incurred as a result of an audit or
investigation by the Australian Taxation
Office
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Income
Tax Assessment
Fringe Benefits Tax Assessment
Sales Tax Assessment
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Other
Insurances
Depending on the nature of business, you may need
additional, specialised policies such
as:
Glass breakage or
signs
Frozen foods or other stock deterioration
Computers and computer records
Business machines and equipment
Legal expenses/tax audit
Fidelity Guarantee
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