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Business Insurance

We offer a comprehensive range of insurance solutions designed to protect individuals, businesses, and specific industries against a wide variety of risks. From property and liability cover to niche and high-risk protections, our portfolio is tailored to safeguard assets, and support financial stability in the face of unexpected events.

 

Below, you’ll find a list of our insurance offerings, each linked for easy navigation to a brief overview to help you explore the cover that best suits your needs.

Accounts Receivable / Book Debts

Protects your business from financial loss if customers fail to pay due to insolvency or default. Helps maintain cash flow and business stability.

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Aviation Liability

Provides cover for legal liability arising from aircraft ownership or operation. Includes injury to passengers and third-party property damage.

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Aviation Hangar

Covers physical damage to aircraft hangars and associated equipment. Protects against risks like fire, storm, and accidental damage.

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Aviation Non-Owned Liability

​Covers liability when operating or using aircraft you do not own. Ideal for charter operators or businesses hiring aircraft.

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Bloodstock or Livestock

Protects valuable animals such as horses or livestock against death, injury, or disease. Often used in agriculture and racing industries.

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Bonds Insurance

Provides financial guarantees to third parties that contractual obligations will be met. Common in construction and commercial agreements.

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Boat – Pleasurecraft

Insurance for private boats covering damage, theft, and liability. Ideal for recreational boating and watercraft owners.

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Buyers Protection

Covers financial loss if purchased goods fail to meet contractual terms. Protects against supplier default or non-delivery.

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Cancellation

Covers financial losses due to cancellation or postponement of events, travel, or contracts. Helps recover prepaid costs.

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Charterer’s Legal Liability

Covers liabilities arising from chartering vessels. Protects against damage to the vessel or third-party claims.

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Cargo and Transit

Protects goods while being transported by land, sea, or air. Covers loss, theft, or damage during transit.

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Commercial Property Insurance

Covers buildings, contents, and stock against risks like fire, theft, and natural disasters. Essential for business premises protection.

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Container Liability

Protects valuable animals such as horses or livestock against death, injury, or disease. Often used in agriculture and racing industries.

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​Contract Penalties / Liquidated Damages

Provides financial guarantees to third parties that contractual obligations will be met. Common in construction and commercial agreements.

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Contract Guarantee

Insurance for private boats covering damage, theft, and liability. Ideal for recreational boating and watercraft owners.

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Directors & Officers – For IPO

Covers financial loss if purchased goods fail to meet contractual terms. Protects against supplier default or non-delivery.

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Employment Practices Liability

Covers claims related to workplace issues such as unfair dismissal, discrimination, or harassment. Protects employers from legal costs.

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Event

Provides cover for events against risks like cancellation, public liability, or property damage. Suitable for organisers and promoters.

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Environmental Impairment Liability

Covers pollution-related risks, including clean-up costs and third-party claims. Essential for environmentally sensitive industries.

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Export Credit

Protects exporters against non-payment by overseas buyers. Covers commercial and political risks affecting trade.

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Farm Crop & Livestock Insurance

Covers crops and livestock against risks like weather damage, disease, or theft. Supports agricultural business continuity.

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Farm Machinery & Vehicle Cover

Insurance for agricultural equipment and vehicles against damage, breakdown, or theft. Keeps operations running smoothly.

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Farm Liability

Protects farmers against legal liability for injury or property damage. Covers incidents occurring on farm property.

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Fidelity Guarantee

Covers financial loss caused by employee dishonesty or fraud. Essential for businesses handling money or sensitive data.

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Fine Arts

Protects valuable artworks and collectibles against damage, theft, or loss. Suitable for collectors, galleries, and investors.

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Home & Contents

Covers your home and personal belongings against damage, theft, or loss. Includes protection from natural disasters and accidents.

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Group Insurance Programs

Provides tailored insurance solutions for groups or associations. Offers cost-effective and consistent coverage across members.

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Home Warranty

Provides cover for structural defects in newly built homes. Protects homeowners and builders against construction faults.

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Kidnap, Ransom and/or Extortion

Covers financial and advisory support in cases of kidnapping or extortion. Includes ransom payments and crisis management.

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Loss of Flying Licence

Provides income protection if a pilot loses their licence due to medical reasons. Helps maintain financial stability.

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Lease Guarantee

Protects landlords against tenant default on rent or lease obligations. Ensures steady income and reduced financial risk.

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Machinery / Electronic Breakdown

Covers sudden and unforeseen breakdown of machinery or electronic equipment. Includes repair or replacement costs.

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Personal Accident and Illness

Provides financial support if you’re unable to work due to injury or illness. Includes income replacement and medical expenses.

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Sellers Liability

Covers liability arising after the sale of a business or product. Protects sellers from future claims or disputes.

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Political Risk

Protects investments against risks like government action, expropriation, or political instability. Ideal for international operations.

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Ship Protection & Indemnity (P&I)

Provides liability cover for ship owners against third-party claims. Includes crew injury, cargo damage, and environmental risks.

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Ship Repairers’ Liability

Covers liabilities arising from ship repair or maintenance work. Protects against damage to vessels and third-party claims.

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Superannuation

Insurance linked to super funds providing life, disability, or income protection. Helps secure financial future.

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Special Risks

Customised insurance for unique or high-risk exposures. Tailored solutions for complex or non-standard needs.

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Takeover

Protects companies and directors during mergers and acquisitions. Covers legal risks and transaction-related liabilities.

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Tax Audit

Covers professional fees incurred during a tax audit or investigation. Helps manage unexpected compliance costs.

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Theft and Money

Protects against loss of cash or valuables due to theft or robbery. Covers both on-site and transit risks.

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Technology

Covers IT businesses against risks like cyber threats, errors, and system failures. Includes liability and data protection.

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Tools and Equipment

Covers portable tools and equipment against theft, loss, or damage. Ideal for trades and mobile businesses.

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Transport Carrier's Liability

Covers carriers for loss or damage to goods during transport. Protects against legal liability claims.

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Transport Goods in Transit / Marine Cargo

Protects goods while in transit domestically or internationally. Covers damage, loss, or theft during shipping.

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Transport Dangerous Goods Liability

Provides liability cover for transporting hazardous materials. Includes environmental and third-party risks.

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Travel Insurance – Private

Covers personal travel risks including medical emergencies, cancellations, and lost luggage. Essential for peace of mind overseas.

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Umbrella Liability

Provides additional liability cover above standard policy limits. Offers broader protection for large claims.

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Vehicle Insurance – Commercial

Covers business vehicles against accidents, theft, and damage. Includes liability for third-party property damage.

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Valuables

Covers high-value personal items like jewellery, watches, and collectibles. Protects against loss, theft, or damage.

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Vehicle Insurance – Private

Protects personal vehicles from accidents, theft, and damage. Offers optional comprehensive cover

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Vehicle Insurance – Vintage / Luxury

Specialised cover for classic, vintage, or high-value vehicles. Includes agreed value and tailored protection.

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Weather

Covers financial loss due to adverse weather conditions. Common for events, agriculture, and outdoor operations.

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Voluntary Workers

Covers volunteers for injury while performing duties. Protects organisations against liability and compensation claims.

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Workers’ Compensation

Covers employees for work-related injuries or illness, including medical costs and lost wages. Mandatory for most Australian employers to ensure legal compliance and employee protection.

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