Focused insurance broking for Australian organisations

• Commercial Property

  Addresses the cost of repairing or replacing insured business buildings, stock, contents and equipment after physical loss or damage from events included in the policy.

• Industrial Special Risks (ISR)

  Combines broad material damage and business interruption protection for larger or more complex businesses, with insured assets, financial interests and exclusions negotiated in the wording.

• Business Pack / SME Package

  Brings selected small business covers together, allowing property, liability and other operating risks to sit within one policy with separate sections and limits.

• Business Interruption

  Addresses insured income loss and certain additional operating costs when an event meeting the policy trigger disrupts trading, commonly following insured physical property damage.

• Machinery Breakdown

  Addresses sudden mechanical or electrical failure of insured machinery that requires repair or replacement, helping manage the direct cost of restoring essential business equipment.

• Electronic Equipment

  Addresses specified damage or breakdown affecting insured computers, electronic control systems and specialist devices, sometimes with separately selected data restoration or increased operating expense benefits.

• Equipment Breakdown

  Addresses qualifying breakdown of mechanical, electrical and pressure equipment, potentially spanning a broader equipment schedule than a narrowly defined machinery policy or package section.

• Deterioration of Stock

  Addresses spoilage of insured refrigerated or temperature controlled stock following specified refrigeration breakdown, power interruption or other temperature changes expressly included in the cover.

• General Property

  Addresses loss or damage to specified portable business items such as tools, laptops and specialist equipment while used away from the main insured premises.

• Accidental Damage

  Broadens property protection to include sudden unintended physical damage beyond a list of named events, while retaining the policy's excluded causes, property restrictions and limits.

• Fire & Defined Events

  Addresses physical loss or damage caused by specifically listed events, such as fire, lightning, storm or impact, rather than any accidental cause of damage.

• Theft / Burglary

  Addresses theft of insured business stock, contents or equipment and certain associated damage, subject to the policy's requirements concerning forced entry, premises and security.

• Money

  Addresses loss of insured business cash and other defined monetary instruments in specified situations, such as at premises, in a safe or during authorised transit.

• Glass

  Addresses accidental breakage of insured fixed internal or external glass, with some wordings including specified signs and necessary associated replacement costs within separate limits.

• Fidelity

  Addresses direct financial loss caused by employee theft or dishonesty, where the conduct, affected property and discovery of the loss satisfy the policy's definitions.

• Tax Audit

  Addresses eligible professional fees incurred responding to an audit or investigation of business tax affairs by a specified authority, when the required notification conditions are met.

• Catastrophe Cover

  Provides a defined extra allowance for rebuilding cost escalation after a qualifying catastrophe damages insured property, when the underlying property policy and extension both respond.

• Stock insurance

  Loss of or damage to insured raw materials, work in progress or finished goods; check deterioration and storage conditions.

• Flood cover

  Damage to insured property from flood where the policy includes it. The flood definition, location, limits and excess need checking.

Ask about this cover

• Public Liability

  Addresses legal liability for covered injury to other people or damage to their property arising from business activities, usually alongside associated defence costs.

• Products Liability

  Addresses legal liability for injury or damage to other property caused by products a business supplies, manufactures or imports, subject to the insured activities and territory.

• Public & Products Liability

  Combines liability arising from business operations with liability arising from supplied products, addressing covered third party injury or property damage under a coordinated policy.

• Product Recall

  Addresses specified costs of withdrawing unsafe or potentially harmful products from circulation after an insured trigger, potentially including customer notifications, retrieval, disposal and crisis assistance.

• Product Contamination

  Addresses defined financial losses when products suffer insured accidental contamination, malicious tampering or another specified safety event, potentially including recall expenses and interruption losses.

• Completed Operations Liability

  Addresses covered injury or property damage arising from work after it has been completed, often as part of a public and products liability policy.

• Contractual Liability

  Addresses certain liabilities accepted under contracts when expressly included or approved by the insurer, rather than providing unrestricted insurance for every promise or indemnity signed.

• Environmental / Pollution Liability

  Addresses defined pollution related liabilities and remediation expenses, potentially including third party injury, property damage and clean up at insured sites or arising from operations.

• Legal Liability

  An umbrella description for insurance addressing specified obligations to compensate others, with the actual protection determined by the occupation, asset, insured conduct and policy wording.

Ask about this cover

• Professional Indemnity

  Addresses claims that advice, designs or professional services caused a client loss through alleged negligence, error, omission or another insured breach of professional duty, including eligible defence costs.

• Errors & Omissions

  Another common name for professional liability insurance, addressing claims that mistakes or omissions in defined services caused a customer financial loss, subject to the specific wording.

• Medical Malpractice

  Addresses professional liability claims against insured healthcare practitioners or organisations alleging patient harm from errors, omissions or failures in providing covered clinical treatment or advice.

• Directors & Officers

  Addresses personal liability claims against directors and officers for alleged wrongful acts in their management roles, with eligible defence costs and specified company reimbursement protection.

• Management Liability

  Combines selected covers for management related exposures, potentially including directors and officers, employment practices, company liability and crime, with distinct terms for each chosen component.

• Employment Practices Liability

  Addresses claims alleging wrongful employment practices, such as discrimination, harassment or unfair dismissal, where the claimant, conduct and requested relief fall within the policy.

• Statutory Liability

  Addresses specified investigation or defence expenses arising from alleged statutory breaches, with any penalty cover limited to amounts expressly insured and legally insurable in the relevant jurisdiction.

• Crime Insurance

  Addresses direct loss of insured money, securities or property caused by defined dishonest or criminal acts, potentially including employee fraud and selected external fraud events.

• Commercial Crime

  A business focused crime policy addressing selected first party losses from theft, employee dishonesty, forgery or electronic fraud, often using multiple separate insuring clauses.

• Financial Institutions PI

  Addresses civil liability claims arising from defined financial services delivered by an insured institution, such as banking, investment or other professional financial activities described in the policy.

• Investment Managers Insurance

  Packages selected professional liability, management liability and crime protections for investment managers and related entities, addressing distinct exposures in operating funds and delivering investment services.

• Trustee Liability

  Addresses covered claims against trustees alleging breaches of duties in administering a trust, with protection shaped by the trust type, beneficiaries and insured trustee activities.

• Association Liability

  Combines selected management and professional liability protections for associations, clubs or nonprofit organisations, addressing allegations against the organisation and eligible committee members or office holders.

• Prospectus Liability

  Addresses specified claims arising from alleged misstatements or omissions in securities offering documents, protecting the insured offering participants for a defined transaction and coverage period.

Ask about this cover

• Cyber Insurance

  Addresses selected losses from cyber incidents, potentially including specialist response, data restoration, business interruption and claims from affected people, depending on the modules and incident definitions selected.

• Cyber Crime

  Addresses specified financial losses involving electronic theft or deception, potentially including fraudulent funds transfers and social engineering where those events are expressly included in the wording.

• Privacy Liability

  Addresses covered claims arising from alleged mishandling, unauthorised disclosure or loss of protected personal or confidential information, potentially including eligible defence and regulatory response expenses.

• Network Security Liability

  Addresses covered third party claims alleging a failure of the insured business's network security caused harm, such as malware transmission, unauthorised access or service disruption.

• Technology E&O

  Addresses claims that errors, omissions or failures in defined technology products or services caused a customer loss, complementing cyber protection for businesses delivering software or IT services.

• Media Liability

  Addresses covered claims arising from creating or publishing content, potentially including defamation, invasion of privacy and specified intellectual property infringement across the insured media activities.

• Cyber Business Interruption

  Addresses insured income loss and specified additional expenses when a covered cyber event or included technology failure interrupts operations, sometimes extending to named dependent service providers.

• System Failure

  Extends applicable cyber protection to defined non-malicious computer system outages, potentially addressing interruption losses when software, configuration or other covered operational failures disrupt business systems.

Ask about this cover

• Marine Cargo

  Physical loss or damage to goods during insured domestic or international journeys, whether transported by sea, air, road or rail under the agreed transit conditions.

• Marine Transit

  Loss or damage to property moving between locations, with protection defined by the goods, transport methods, journey and insured events rather than ocean travel alone.

• Inland Transit

  Damage to or loss of insured goods travelling domestically by road or rail, addressing the owner's property exposure rather than automatically covering the carrier's liability.

• Marine Stock Throughput

  Physical loss or damage to stock across an agreed supply chain, combining specified transit and storage stages within a coordinated cargo insurance arrangement.

• Goods in Transit

  Loss or damage to a business's goods while transported, including selected journeys in its own vehicles or with carriers, depending on the wording.

• Carriers Liability

  A transport operator's legal liability for customers' goods lost or damaged in its care, subject to the agreed carriage activities, contracts and insured events.

• Marine Hull

  Physical loss or damage affecting an insured vessel, its machinery and specified equipment, with navigation, operation and valuation terms tailored to that vessel.

• Marine Liability

  Legal liability arising from specified marine business activities, potentially including injury, damage to customers' property or vessels, and associated defence costs where insured.

• Protection & Indemnity

  Specified liabilities of vessel owners or operators, potentially involving crew, passengers, cargo, pollution or wreck removal, complementing rather than replacing hull damage insurance.

• Charterers Liability

  Liabilities arising from hiring and operating a vessel under a charter, which may include vessel damage, cargo claims and other agreed chartering exposures.

• Freight Forwarders Liability

  A freight forwarder's legal liability for specified logistics services, potentially including cargo handling errors, documentation mistakes and customers' goods lost or damaged during arranged transport.

• Stevedores Liability

  Legal liability from loading and unloading vessels, including insured damage to cargo, ships or port infrastructure and injuries arising from the declared stevedoring operations.

• Pleasurecraft

  Loss or damage to privately used boats and specified equipment, with selected liability protection for boating activities, subject to navigation and usage conditions.

Ask about this cover

• Commercial Motor

  Insured damage to business vehicles and selected liability for damage they cause to other people's property, with protection depending on the chosen cover level.

• Motor Fleet

  Coordinates insurance for multiple business vehicles under one arrangement, covering agreed vehicle damage and property liability exposures across the declared fleet and operations.

• Heavy Motor

  Damage and property liability exposures involving trucks, prime movers, trailers and other accepted heavy vehicles, with cover tailored to transport operations and loads.

• Mobile Plant

  Physical loss or damage to mobile machinery such as excavators, loaders and cranes, with operational liability or interruption protection available when specifically included.

• Motor Trade

  An insurance arrangement for vehicle dealers, repairers and related businesses, combining selected exposures involving stock vehicles, customer vehicles, premises and liability from trade activities.

• Compulsory Third Party

  Statutory motor-injury insurance addressing injury or death from road crashes under the applicable state or territory scheme, rather than damage to vehicles or property.

• Comprehensive Motor

  Combines insured loss or damage to your vehicle with legal liability for damage caused to other people's property, subject to the vehicle's agreed usage.

• Third Party Property Damage

  Legal liability for damage your vehicle causes to someone else's vehicle or property, generally without broad protection for damage to your own vehicle.

Ask about this cover

• Contract Works

  Physical loss or damage to insured construction works and materials during the agreed project period, potentially including selected temporary works and associated reinstatement costs.

• Construction Liability

  Legal liability for third-party injury or property damage arising from declared construction activities, with associated defence costs where insured under the selected liability wording.

• Contractors Plant & Equipment

  Physical loss or damage to construction machinery, tools and equipment used by contractors, including owned or hired items when accepted within the insured schedule.

• Erection All Risks

  Physical loss or damage during installation and assembly of machinery or equipment, with testing, commissioning and liability protection depending on the agreed project wording.

• Construction All Risks

  Broad construction-stage protection for physical loss or damage to insured works, often combined with third-party liability, while retaining specified exclusions, limits and project conditions.

• Advanced Loss of Profits

  Selected financial losses when insured physical damage delays a project's planned commercial operation, typically protecting anticipated earnings or specified continuing financial commitments during the delay.

• Delay in Start-Up

  Specified income loss or financial obligations resulting when insured physical damage delays the start of an insured project, commonly overlapping with advanced loss of profits.

• Latent Defects

  Addresses specified post-completion building defects and resulting insured damage, depending on the building elements, technical requirements, cover period and defect or damage trigger in the wording.

• Owner Controlled Insurance Program

  A project-owner-led structure coordinating selected insurance for the project and agreed participants, with the actual protection determined by its constituent policies and endorsements.

• Contractor Controlled Insurance Program

  A contractor-led structure coordinating selected insurance for an agreed project or projects and enrolled participants, with scope established by the policies actually arranged.

• Civil Contractors Insurance

  A tailored combination of covers for civil works businesses, potentially addressing contract works, mobile plant, equipment and legal liability arising from declared operations.

Ask about this cover

• Residential Strata

  Property and liability protection for an owners corporation or body corporate, usually addressing insured buildings, common property and selected risks arising from managing the scheme.

• Commercial Strata

  Insurance for commercially used strata schemes, addressing insured buildings, common property and selected owners corporation liabilities rather than each occupier's full business exposures.

• Community Title

  Property and liability risks of a community association, including agreed shared facilities and assets within its responsibility under the relevant title and management arrangements.

• Landlords Insurance

  Selected risks of letting residential property, potentially including building or landlord contents damage, property-owner liability, damage-related loss of rent and optional tenant-default protection.

• Commercial Landlords

  Selected property-owner exposures for leased commercial premises, commonly combining building damage, property-owner liability and rental-income protection following insured damage to the premises.

• Residential Investment Property

  Another description for residential landlord insurance, covering selected ownership and tenancy exposures for an investment property rather than guaranteeing rental returns or property value.

• Strata Machinery Breakdown

  Sudden insured breakdown of common-property machinery such as lifts, pumps or air-conditioning systems, addressing repair or replacement costs within the selected equipment section.

• Strata Office Bearers Liability

  Claims against insured committee members or office bearers alleging wrongful acts in administering the strata scheme, with defence costs and liability subject to policy terms.

• Strata Fidelity

  Financial loss to the insured strata entity from defined dishonest or fraudulent misappropriation of its funds by people covered under the fidelity section.

Ask about this cover

• Farm Insurance

  A selectable package for farming businesses that can combine property, machinery, vehicles and liability, with each section addressing defined assets, events and operating activities.

• Crop Insurance

  Loss of crop value or potential yield caused by specifically insured events, commonly fire or hail, with cover tailored to the crop and growing season.

• Livestock Insurance

  Financial loss from death, specified injury or loss of insured animals under an agreed farm or specialist livestock policy, depending on species and covered causes.

• Bloodstock Insurance

  Specialist protection for valuable horses, commonly addressing death or necessary humane destruction from insured causes, with theft or breeding-related extensions available by agreement.

• Farm Machinery

  Physical loss or damage to agricultural machinery and equipment, including tractors and harvesting equipment, with road risks or breakdown cover depending on selected sections.

• Farm Liability

  Legal liability for third-party injury or property damage arising from declared farming activities or products, with defence costs subject to the applicable liability wording.

• Hail Insurance

  Specified crop damage attributable to hail during the insured growing period, usually assessed against agreed crop values, yield measures and the affected insured area.

• Forestry Insurance

  Loss or damage to insured standing timber or plantations from agreed events, often fire, with selected additional perils and restoration expenses where specifically arranged.

Ask about this cover

• Mining Insurance

  A coordinated insurance arrangement for declared mining activities, potentially combining property damage, business interruption, equipment and liability protection around the operation's specific hazards.

• Mining Plant & Equipment

  Physical loss or damage to agreed mobile or fixed mining equipment, with machinery breakdown and resulting interruption insured only where the selected wording provides them.

• Energy Property

  Physical loss or damage to declared energy assets, such as plant, processing facilities and related infrastructure, with insured causes and valuation agreed for each risk.

• Power Generation Insurance

  A tailored combination of protection for generating assets, machinery breakdown and selected interruption losses, addressing risks associated with the plant's technology and operating conditions.

• Renewable Energy

  Selected construction or operational exposures for solar, wind, battery and other renewable assets, potentially combining physical damage, breakdown, liability and resulting interruption protection.

• Oil & Gas Insurance

  Specialist combinations of cover for declared exploration, production, transport, processing or storage activities, potentially addressing property, operational expenses, liability and resulting business interruption.

• Operational All Risks

  Broad physical loss or damage protection for agreed industrial assets during operation, usually subject to exclusions and optionally combined with machinery breakdown and interruption sections.

• Transmission & Distribution

  Physical damage and selected interruption exposures affecting declared electricity network assets, potentially including substations, transformers, cables and lines where specifically accepted by the insurer.

Ask about this cover

• Trade Credit Insurance

  Addresses unpaid trading debts when approved customers become insolvent or fail to pay within specified terms, helping protect the seller's cash flow against eligible losses.

• Political Risk

  Addresses selected losses from government actions or political events affecting overseas investments, assets or payments, such as expropriation, currency transfer restrictions or specified political violence.

• Contract Frustration

  Addresses financial loss when specified political or commercial events prevent an insured contract from being performed or paid, particularly in export and international project transactions.

• Surety Bonds

  Provide a beneficiary with financial security for specified obligations, such as a contractor's performance, while the business obtaining the bond generally remains responsible for repayment.

• Credit Enhancement

  Improves the credit support behind a transaction through structures such as guarantees, insurance or collateral; it is a financing objective rather than one standard insurance product.

Ask about this cover

• Warranty & Indemnity

  Addresses financial loss from insured breaches of warranties or indemnities in an acquisition agreement, subject to negotiated cover and the buyer's or seller's policy structure.

• Tax Liability Insurance

  Addresses a specifically identified, uncertain tax exposure if a tax authority successfully challenges the insured tax treatment, potentially including agreed defence costs and additional amounts.

• Contingent Liability

  Addresses an identified legal or contractual exposure whose outcome is uncertain, allowing selected financial consequences to be transferred after detailed assessment of the underlying circumstances.

• Litigation Buyout

  Transfers agreed financial exposure from a known lawsuit, threatened claim or related group of claims, helping parties quantify litigation risk during a sale or restructuring.

• Title Insurance

  Addresses specified financial losses arising from defects in property ownership or other insured title risks, with the scope determined by the property and policy selected.

Ask about this cover

• Corporate Travel

  Addresses selected risks for insured people on authorised business trips, potentially including overseas medical emergencies, travel disruption, baggage loss and assistance within an employer's travel programme.

• Personal Accident

  Pays scheduled benefits following qualifying accidental injury or death, and may include temporary disability payments, helping reduce financial pressure without necessarily reimbursing every resulting expense.

• Journey Insurance

  Provides specified accident benefits for eligible travel between home and work, addressing commuting injury exposures where the relevant journey falls within the policy's defined scope.

• Voluntary Workers

  Provides defined accident benefits for eligible volunteers injured while undertaking authorised activities, potentially including specified expenses or disability benefits depending on the organisation's chosen cover.

• Group Personal Accident

  Insures a defined group under one arrangement, providing scheduled benefits for covered accidental injuries or deaths during specified activities or across an agreed period of cover.

• Expatriate Insurance

  Addresses selected medical, evacuation and accident exposures for employees assigned abroad, sometimes including eligible dependants, through arrangements tailored to assignment length and destination requirements.

• Sickness benefits

  Specified benefits when covered illness prevents an insured person working, subject to eligibility, waiting and benefit periods, and medical exclusions.

Ask about this cover

• Home & Contents

  Addresses insured damage to a residential building and household belongings, together with selected associated expenses and liability, depending on whether building, contents or combined cover is purchased.

• Landlord

  Addresses selected risks from renting out a residential property, such as building damage, landlord liability and eligible rental losses, with tenant default benefits requiring specific cover.

• Motor Vehicle

  Addresses private vehicle risks through selected cover levels, ranging from liability for damage to others' property to comprehensive protection for insured damage to the owner's vehicle.

• Motorcycle

  Addresses motorcycle damage, theft and liability for damage to other people's property according to the cover selected, with accessories and riding equipment needing particular attention.

• Caravan

  Addresses selected loss or damage to an insured caravan or camper trailer, potentially including contents and liability, with different arrangements for touring and permanently sited units.

• Pleasurecraft

  Addresses selected risks to privately used boats or yachts, including insured physical damage and boating liability, with equipment, rescue expenses and navigation areas dependent on wording.

• Travel Insurance

  Addresses selected unexpected travel costs, such as overseas medical emergencies, cancellation and lost baggage, with benefits varying between domestic and international trips and selected policy levels.

• Valuable Articles

  Provides tailored protection for specified jewellery, watches, artworks or collections, addressing insured loss or damage that may exceed the ordinary item limits in home contents cover.

• High Net Worth Home

  Combines tailored home and contents protection for higher value residences and possessions, potentially offering enhanced rebuilding, valuables and accommodation benefits subject to specialist underwriting and policy terms.

Ask about this cover

• Fine Art & Specie

  Addresses insured physical loss or damage to artworks, collections and high value portable assets such as precious metals or cash, using asset-specific valuation and security arrangements.

• Jewellers Block

  Addresses selected physical loss or damage to a jewellery business's stock and entrusted items, potentially covering premises, transit and customer goods within agreed security and handling conditions.

• Bloodstock

  Addresses the insured death or necessary humane destruction of valuable horses from specified causes, with additional veterinary, infertility or loss of use benefits requiring separate agreement.

• Event Cancellation

  Addresses agreed financial losses when an event must be cancelled, abandoned, postponed or relocated because of insured circumstances beyond the organiser's control, rather than poor commercial performance.

• Entertainment Insurance

  Combines selected protections for film, television, live entertainment or other productions, potentially addressing equipment damage, production interruption and liability according to the activities and sections insured.

• Sports Insurance

  Combines selected accident, liability or property protections for sporting organisations, events and participants, with eligibility and benefits tied to the insured activities and each chosen section.

• Prize Indemnity

  Addresses an organiser's obligation to award a specified prize if a defined promotional or sporting achievement occurs, using pre-agreed rules, verification requirements and financial limits.

• Kidnap & Ransom

  Addresses selected financial costs and specialist response needs arising from kidnapping, extortion or related security events affecting insured people, subject to territorial, legal and payment restrictions.

• Terrorism

  Addresses selected terrorism-related physical damage and associated business interruption through specific cover or applicable scheme arrangements, where the event and insured property meet the required definitions.

• Political Violence

  Addresses selected damage and interruption from politically motivated violence, potentially including riots, insurrection or war, with each peril and territory expressly defined in the agreed protection.

• Aviation Hull

  Addresses insured physical loss or damage to an aircraft itself during agreed ground or flight operations, protecting the asset rather than liability to passengers or others.

• Aviation Liability

  Addresses an aircraft owner's or operator's liability for insured passenger injuries, third-party injuries and property damage arising from aviation activities, subject to defined operations and limits.

• Drone / UAV Insurance

  Addresses selected physical damage to drones and liability from their operation, with protection tailored to the aircraft, payload, pilot activities and intended commercial or recreational use.

• Space Insurance

  Addresses specified financial exposures involving satellites or other space assets during agreed phases such as launch or orbit, with technical failure and liability risks separately structured.

Ask about this cover

• Parametric Insurance

  Provides a pre-agreed payment when a measurable event or index reaches the policy's trigger, rather than calculating payment solely from the insured's actual financial loss.

• Weather Insurance

  Addresses selected financial effects of adverse weather, often using measured rainfall, temperature or wind thresholds to determine payments instead of requiring physical damage to insured property.

• Renewable Energy Performance

  Addresses agreed shortfalls in renewable energy production or revenue from specified causes, potentially using weather indices or technical performance triggers rather than conventional physical damage cover.

• Intellectual Property Insurance

  Addresses selected legal costs or liabilities from intellectual property disputes, with defending infringement allegations and pursuing infringement of the insured's rights requiring different agreed cover sections.

• Reputation / Crisis Management

  Addresses specified crisis response expenses, such as communications support after an insured event, with any protection for resulting revenue losses requiring a separately defined trigger and calculation.

• Supply Chain Insurance

  Addresses agreed financial disruption from insured events affecting suppliers, customers or logistics dependencies, extending beyond the business's own premises only to the extent explicitly included.

• Non-Damage Business Interruption

  Addresses defined revenue losses or extra expenses from specified events without conventional physical property damage, but does not insure every interruption that leaves buildings or equipment intact.

• Pandemic / Communicable Disease

  Addresses selected financial effects of disease outbreaks through narrowly defined extensions or bespoke structures, sometimes using outbreak thresholds; broad pandemic protection should not be assumed available.

• Digital Assets / Crypto Crime

  Addresses selected theft, custody or other expressly insured losses involving digital assets, using specialist security and valuation requirements rather than covering the full risks of cryptocurrency ownership.

• Carbon Credit Insurance

  Addresses selected risks affecting carbon projects or credits, such as insured reversal, invalidation or delivery failure, with the covered stage and cause requiring bespoke assessment.

Ask about this cover