Explore the different types of insurance we offer:
This insurance protects professionals such as consultants, engineers, and health practitioners against claims of negligence, professional errors, or failure to deliver services. It typically covers legal costs, settlements, and damages awarded to clients. This is critical in industries where advice or service delivery carries significant liability risk.
Real Example: A consulting firm avoided a costly legal settlement when a client accused them of providing flawed advice, with the insurer covering the legal costs and compensation.
Construction & Engineering insurance safeguards businesses from risks associated with large-scale infrastructure and building projects. This includes coverage for machinery, delays, accidental damage, and third-party liability. Policies can be tailored to specific project durations or ongoing work.
Real Example: During a school construction project, a concrete pump accidentally overturned and damaged both the slab and a neighbouring fence. The insurer covered over $45,000 in repairs and site delays under the accidental damage provision.
Cyber insurance protects businesses from threats including hacking, ransomware, and data breaches. It covers recovery costs, legal liabilities, and in some cases PR management. This is essential for any company storing customer information or conducting online transactions.
Real Example: A Melbourne-based e-commerce company recouped over $75,000 after a ransomware attack crippled operations for 48 hours.
This insurance covers businesses against claims from the public for personal injury or property damage caused by your operations or products. It includes legal defense and compensation payouts. Mandatory in many industries where public access is routine.
Real Example: A café was sued when a customer slipped on a wet floor; this insurance covered legal costs and medical expenses.
Strata insurance provides comprehensive cover for buildings under strata title, including shared property areas and public liability. It is required by law in Australia for strata-managed buildings and ensures coverage for structural damage and legal claims.
Real Example: A residential complex recovered over $200,000 in damages after a fire destroyed the communal gym area.
This insurance is designed for businesses operating multiple vehicles. It covers repairs, third-party damage, and theft. Fleet policies can include any mix of commercial vehicles including vans, utes, and trucks.
Real Example: A plumbing company received swift payout after two vans were stolen overnight.
Marine cargo insurance protects goods in transit, whether by land, sea, or air. It covers loss, theft, or damage to cargo during transport and is vital for logistics and import/export operations.
Real Example: A logistics firm claimed $50,000 after a shipping container was lost in transit between Sydney and Singapore.
This insurance protects contents stored in commercial self-storage facilities. It includes coverage against fire, water damage, theft, and natural disasters.
Real Example: A boutique retailer recovered stock lost during warehouse flooding in Brisbane.
Landlord insurance covers residential and commercial property owners from risks like rent default, tenant damage, and property loss due to events like fire or storms. It also offers legal liability cover.
Real Example: A client was reimbursed for unpaid rent and malicious tenant damage exceeding $15,000.
This covers business premises and physical assets from events such as fire, theft, vandalism, and natural disasters. It can include business interruption coverage as well.
Real Example: A manufacturing company recovered from storm damage which halted operations for a week.
Tailored for small to medium enterprises, SME packs bundle core coverages like property, liability, theft, and business interruption. These packages are flexible and cost-effective.
Real Example: A local florist combined property and interruption cover and claimed both after a break-in shut the shop for days.
This insurance helps businesses recover from the financial impact of losing a key individual due to illness, injury, or death. The payout helps with continuity, recruitment, and interim management.
Real Example: A tech startup used a payout to hire interim leadership after a co-founder was diagnosed with cancer.
Protects business owners, directors, and officers from claims of mismanagement, discrimination, wrongful dismissal, or breach of duty. It includes legal fees, settlements, and damages.
Real Example: A business director faced a personal lawsuit from a former staff member, but the insurer covered defence costs and a five-figure settlement.
This policy covers accidental and electrical breakdown of essential machinery like compressors, HVAC units, generators, and more. It helps minimise costly downtime.
Real Example: A manufacturer had a production halt after a press machine broke down. Insurance covered repair and lost revenue.
Flood cover protects your premises and contents from water damage due to natural flooding, not just internal plumbing failures. It’s essential in flood-prone zones.
Real Example: A local retailer in Lismore recovered $180K in flood damage to stock and interiors after torrential rain overflowed the nearby creek.
Covers employees and directors when travelling for business. It includes medical emergencies, lost luggage, cancellations, and personal liability worldwide.
Real Example: An engineering executive required emergency surgery overseas. Corporate travel cover saved the business over $40,000 in medical fees and evacuation costs.