Business Insurance Packages

Your Adviser will work with you to put together an insurance solution suited to your needs from the following options:

• Fire and Other Damage – Your building and business contents are covered from certain specific events including fire, storm (not flood), lightening, impact by vehicles, explosion and earthquakes. Accidental damage cover is automatically included up to $250,000.
• Burglary – If someone breaks into your premises using forced or violent entry, you are covered for the theft of stock, other business contents and electronic equipment in your building.
• General Property – Cover for items of your choice such as mobile phones and laptop computers, whether you’re in the officer or anywhere in the world.
• Business Interruption – Business insurance can help repair and replace your damaged property. It can also cover you for loss of gross profit or gross rentals following an interruption to your business, which was caused by an insured event, including fire or burglary, etc.
• Glass Breakage – You’re covered for the replacement value of broken glass including the cost of temporary shuttering, replacement of signwriting and repair of plastic signs up to $5,000. Any stock damaged by the broken glass is also covered at the cost value.
• Public & Products Liability – Your legal liability for personal injury or damage to property due to an occurrence connected with your business is covered where you are at fault.
• Fraud & Dishonesty – You are covered for the loss of money or goods due to any act of fraud or dishonesty by your employees, whether they are acting in collusion with others or alone. This fraud or deception needs to be discovered during the insurance period.
• Goods in Transit – Loss or damage to your goods in transit is covered against specific events.
• Money – You’re covered for loss or theft of money from certain locations. Any loss of money caused by accounting or clerical errors or theft from staff is not included.
• Equipment Breakdown – Your mechanical or electrical equipment is covered, as well as specific electronic devices.
• Tax Audit – Your professional fees, including legal and accounting fees, associated with a business tax audit, are covered.