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Insurance Products

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Insurance Products

Below are just some of the insurance products we have on offer and serves only as a rough guide to some of the insurance products available as all policies are tailored to individual circumstances. Please contact the office to discuss a wide possibility of choices we can tailor your insurance for you. Alternatively, click on the request button to get us to contact you. We will send you more information and discuss with you on your selected insurance product(s).

Insurance	General Description	Request
Aged Care Liability Insurance	This covers injuries or damage to third parties and or their property by staff and volunteers of the organisation in the course of their duties either in the clients home on outings or at aged care centres. There are often restrictions on this type of policy. For more information please contact this office.
Business Insurance	Business Insurance packages cover products such as Fire and Extraneous Perils, Accidental Damage, Business Interruption, Burglary, Glass, Money, Electronic Equipment, Machinery Breakdown and Public & Product Liability. These policies can be tailored to suit the needs of all businesses from retail, wholesale, office, industrial and commercial. For more information please contact our office.
Business: Corporate Travel	Corporate travel products are available on an individual or annual basis through our office and provide cover for a number of risks associated with travel in this capacity. These products can also cover personal travel included in a corporate trip. Family members can also receive cover under these policies. For more information please contact our office.
Business: Employment Practices Liabilty	Being an employer these days is hard enought without the added pressure of unfair dismissal claims, harrassment, descrimination. This product can relieve some of the stress these situations can cause by providing legal cost cover to defend such actions. For more information please contact our office
Business: General Property Insurance	This type of policy is put in place to cover tools of trade and also business persons who operate anywhere in Australia. The cover provided is for Accidental Loss or Damage except as specifically excluded in the policy wording and allows items to be individually listed for coverage. For more information please contact office.
Business: Industrial Special Risks	For companies with assets in excess of $3M we are able to provide a quotation based on a material loss or damage product which can also include a number of optional extras, such as glass, burglary, accidental damage, money etc. For full details regarding this product and an obligation free quotation, please contact our office.
Business: Professional Risks Insurance	Professional Indemnity, Directors and Officers Liability, Office Bearers Liability and Information Technology Liability are available providing cover for acts errors or omissions. For more information please contact our office
Business: Public/Product Liability	Covering Injury (including death) or property damage arising out of the course of your business occurring to a third party. This product has various extensions available. For more information please contact our office.
Keyman Income Protection	As the name suggests this product is available as insurance against accident or illness preventing you from earning your normal income and or providing business expense cover to pay leases and the salaries of non income producing staff whilst your away. For more information please contact our office
Keyman Life Risk Insurance	Keyman insurance is a generic term given to a policy of life insurance taken out by a proprietor of a business over the lives of its principals or employees to: 1. Repay a debt; or 2. Provide money to allowfor the replacement of that key individual; or 3. Provide the business with the funds to exercise a buy sell agreement. The type of policy taken out depends on the circumstances the organisation feels it requires the funds the most common are: 1 Term Insurance converiong a. Death b. Total and permanent disability c. Trauma (heart attack, stroke etc) For more information please contact our office
Machinery/Earthmoving	This product is available for all types of machinery and earthmoving equipment and covers material loss or damage except as specifically excluded and can be extended to cover extra events such as Boiler Explosion, underground services, breakdown. For more information please contact our office.
Marine Insurances	We have a number of products available in this category such as Private Pleasure Craft, Commercial Hull, and Marine Transit. For more information please contact our office.
Tax Probe Insurance	Covering the cost of accounting fees in the event of an audit by the Tax Department. This policy is subject to terms and conditions and cover limits. For more informationplease contact our office.
Trade Credit	Payment of debts incurred by issuing trade credit to businesses who are unable to pay due to various circumstances which are set out in the policy wording. For more information please contact this office.
Vehicle: Heavy Haulage	Prime Movers, Tippers, Tankers, Rigid Body or Articulated vehicles are able to be insured through our office and we offer a wide range of covers for these vehicles including, road risk liability, loading and unloading, hook risk liability etc. For more information please contact our office.
Vehicle: Motor and Fleet Motor	Business use vehicles are often grouped by the company under a Fleet Motor Vehicle Policy which provides Own Loss or Damage as well as Third Party Property Damage and Liability cover. Fleets as small as 5 vehicles can be insured in this fashion and this can reduce cost and administration time. For more information please contact our office.
Workers Compensation	A compulsory insurance covering all workers under the terms of the Workers Compensation and Rehabilitation Act and any amendments thereto the premium is based on your annual salaries, the state government ANSIC code for your industry and your claims history. Safety First Provide specific services to reduce the cost of this insurance including the Safety First Programme and Injury Management serices. Information on these services can be found on the home page of this site. For more information about workers compensation insurance please contact this office.

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