Financial Services Guide
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Full Replacement protection for your most valuable Asset, your Home.
Select from Defined Events contracts through to full Accidental Loss or Damage cover including superior limits for Valuables, Sporting Equipment, and Personal Effects which extend to provide cover automatically Australia Wide and even World Wide. |
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Motor Vehicle insurance is designed to protect you against Damage to Third Party Property and also Damage to your own vehicle (Comprehensive Cover).
Cover may also be considered for Prestige Vehicles, Classic Cars and Veteran or Vintage. |
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A True Landlords Cover is a policy specifically designed to protect your investment property.
Cover should include the Property, Carpets & Drapes, Loss of Rent and Legal Liability.
The policy should also provide options to insure against Malicious Damage cause by the Tenant or Rent Default. Residential Strata Insurance is specifically designed for strata title properties. Properties of this nature have specific insurance requirements that may not be catered for by standard residential home insurance. Each state and territory has different legislative requirements that deal with insurance for strata title properties. We offer a range of covers to suit your needs. |
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All Domestic Travel Insurance tailored to your requirements. Various levels of cover available dependent upon your destination.
Cover for existing medical conditions may also be considered. Annual Corporate Travel cover for Staff groups and regular travellers. All cover has Overseas Medical assistance and industry leading limits of covers. |
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Tradesmen may require cover ranging from Commercial Motor Vehicle and Trailers, to Legal Liability protection and General Property cover for Tools.
Construction or Contract Works provide cover for all Loss or Damage to Materials or Works in the course of construction. These may be done as an Individual contract or incorporated on an Annual contracts based on your total estimate for the forthcoming period, ensuring that no job is missed or left uninsured. Builders Warranty and Owner Builders Warranty also available. |
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It is very important to consider the various types of covers available under these contracts and tailor a solution specific to your individual needs.
Various extensions or endorsements may also be required and we will assist you in these areas to best protect your business. Some of the sections may include; Property Cover for Buildings, Contents Plant & Machinery Stock & or Customers Goods and Removal of Debris in the event of loss or damage. Business Interruption provides indemnity for Loss of Trade or Profits following a loss insured under the Property Section. Wages, Claims Preparation costs, Additional Costs of working or Accountants Fees. Burglary cover for Contents, Stock etc subsequent upon forced entry or exit. Legal Liability protects you against compensation you may liable for due to personal injury or damage to property, including liability arising from the ownership of buildings or land used in connection with your business. Possibly the most technical yet important cover to consider. You must ensure that the selected policy is proving you with the appropriate cover specific to the activities undertaken by you in the course of your business. Other classes you may consider include; Money, Glass, Machinery Breakdown, Electronic Breakdown, General Property, Goods in Transit, Tax Investigation, Employee Dishonesty etc. |
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Industrial Special Risks (ISR) insurance is designed for larger organisations (insurable property generally over $5,000,000), where the size and diversity of the operations make it practical to combine individual policies (fire, consequential loss, theft, money and glass).
A more complex type of insurance with many available extensions brought into a single cover. |
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All Commercial Vehicles from Utilities and Sedans to Small Trucks and Light Freight, Trades Equipment, Plant and Machinery. |
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All large vehicles including Prime Movers, Trailers, Transport, Tippers and Earthmoving Equipment. |
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The policy indemnifies the insured for legal liability that arises from personal injury or damage to property that occurs during the period of insurance in relation to the business, subject to the policy exclusions.
Products Liability will also generally be included providing cover for your Legal Liability to pay damage for an Occurrence caused by an unknown defect in your products. The policy also covers the defence costs that are incurred in respect of the claim. Injury or Damage may include Libel, Slander, Defamation, Mental Anguish etc. Other extensions may include; Property in your Physical or Legal Control, Unregistered Vehicles, Underground Pipes or Cables etc. We will assist you in identifying the extensions relevant to your specific requirements. |
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Professional Indemnity protects you from potential claims for compensation sought by customers who believe you have breached your professional duties in the execution of your work.
A quality PI policy will provide comprehensive cover against a wide range of actions arising from a breach of professional duty including negligence, breach of authority, Loss of Documents, breach of trust and defamation. Defence costs are also covered which may be inclusive or exclusive of the Sum Insured. Policies will be tailored to specific client needs where all benefits will be considered and explained. Information and Communication Technology cover specifically for the Computer and IT industry. |
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Comprehensive covers for all water craft including Hull, Trailer and Motors with options available to extend for Racing Risks, Water Skiers Liability and Commercial Vessels. |
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Inland and Overseas Cargo Transport. Single Transit and Annual Cargo contracts. Extensive benefits and extensions available.
Legal Defence cover for Private Carriers issuing cartage terms and consignments notices. |
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All Farming covers available from Domestic Property, Farm Buildings and Equipment, Farm Motor, Fencing, Livestock, Hay etc and various other protection. |
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All Work Cover needs may be assisted through our selected preferred Work Cover insurer.
Locally supported office and staff to assist with any queries and rehabilitation programs and service. |
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