Business Insurance

Property Damage

Traditionally referred to as Fire this section covers damage to Your property not otherwise excluded, at your premises from sudden, unexpected or unforeseen occurrences, and provides a number of automatic additional benefits such as Capital Additions, Catastrophe Inflation Cover, Floating Stock, Seasonal Increases to sums insured, Removal of Debris, Professional Fees, limited Transit cover & rewriting of Records following a loss.

Cover under this section includes Accidental Damage, Fire, Lightning, explosion, storm, earthquake, impact, malicious damage and can include flood on certain insurer wordings.

Theft

This section covers loss of or damage to Your property (usually Stock, Contents & Customers Goods) due to theft and provides a number of additional benefits – damage to business premises, seasonal increases in Stock sum insured, temporary protection by security guards, by burglars, illegal use of corporate credit card, illegal electronic funds transfer, & replacement of locks & keys.

Glass

This section covers glass in Your premises (including internal glass such as glass partitions, or external windows) and provides a number of automatic additional benefits – Destruction of Stock & Contents, Rewards, Malicious Damage, Signs.

Money

This section covers Your business’s money whilst on Your premises, in a safe or strongroom, in transit to or from Your premises, or in Your personal custody, or the custody of a trusted employee.

General Property

This section covers loss or damage to portable property such as tools, laptop computers, a personal digital assistant that occurs anywhere in Australia or the rest of the world.