Fire & General Insurance

Business Package Insurance
This is the most convenient insurance for small to medium-sized businesses. You can take one section or all sections, depending on your requirements.

The business package incorporates several areas of protection, including:

Accidental Breakage of Glass: Claim Form (Adobe Acrobat 85kb)
Covers accidental breakage of internal & external glass; can include signwriting, ornamentation, alarm tapes or heat reflective material; cost of temporary shuttering; spoilage of stock from broken glass; storm damage to illuminated signs.

Burglary: Claim Form (Adobe Acrobat 87kb)
Covers your contents and stock against a theft following forcible & violent entry to your premises.

Contract Works Insurance:
Covers your construction against fire & associated perils, storm damage and other benefits whilst in the course of erection, including theft of building materials from site, third party liability, transit of materials from the suppliers, etc.

Debtor Insolvency:
Provides protection for loss of income as a result of failure to collect outstanding unpaid accounts due to the insolvency or late payment of debtors. The policy can be arranged on either a nominated individual debtor or blanket cover for all debtors.

Directors & Officers Liability: Application Form (Adobe Acrobat)
Designed to provide personal liability cover to directors and officers of a company for claims against them alleging wrongful acts whilst acting in such capacity. A combination of policies protects the directors and officers for compensation and costs for which they are legally liable and provides reimbursement to the company for the amount paid in successfully defending a claim against a director or officer under indemnification provisions of the company's articles of association.

Electronic Equipment:
Covers breakdown and accidental damage to your specified electronic equipment such as computers, electronic cash registers, etc.

Fidelity Guarantee:
Provides protection in the event of loss of money or goods as a result of dishonesty of employees. Either individual bond or blanket cover for all employees is available.

Fire: Claim Form (Adobe Acrobat 87kb)
Covers your assets against fire, storms & tempest, and other perils. Sum insured should take into account architect's fees, legal costs, demolition and removal of debris as well as temporary removal of the building contents. Where contents are insured, don't forget employees' property, customers' goods, improvements made to rented premises, stock and inventory, etc.

General Property:
Covers specified and unspecified items against fire & other perils, burglary, accidental and whilst in transit.

Goods In Transit:
Covers your goods as described whilst in transit anywhere in Australia by road, rail, sea, parcel post and courier. Optional covers available, i.e. all risk or limited cover of fire, floods, collision and overturning.

Industrial Special Risk:
Covers damage to all tangible property except as excluded and combines Property damage, money, burglary, breakage of glass, accidental damage and consequential loss of profits under one section. For the larger company with assets in excess of $4,000,000.

Legal Expenses:
Designed to protect individuals or corporations against expenses and costs incurred in initiating or defending certain legal proceedings. This form of insurance can also be a valuable adjunct to protection afforded by a Public Liability policy.

Loss of Money:
Covers selected items, i.e. transit to your bank; bank night safe; securely locked safes and strongrooms; premises during normal business hours; premises outside business hours; personal custody.

Machinery Breakdown: Claim Form (Adobe Acrobat 85kb)
Provides a blanket cover for all your plant and machinery including boiler and pressure vessel explosion, electrical, electronic and mechanical machinery, but excludes wear and tear. Deterioration of refrigerated stock can be included.

Marine Craft:
Designed to cover your boat hull, motor, equipment & accessories, sails, masts, spars, standing and running rigging and trailer against accidental loss or damage for an agreed value. You can also cover your legal liability for injury to other people or accidental damage to other peoples' property your boat may cause.

Motor Vehicle:
Covers your motor vehicle against either comprehensive insurance or third party property damage. Ranging from private sedans to prime movers and fleet vehicles. You can now get a quote online for Motor Vehicle Insurance from Insurers Hotline.

Public & Products Liability: Claim Form (Adobe Acrobat 83kb)
Covers your legal liability to the public in respect to third party property damage or bodily injury arising from your activities and products. (Products liability means any goods or products after they have left your custody or control which has been erected, manufactured, constructed, installed, sold, supplied, distributed, treated, serviced, altered or repaired by or on your behalf, including any contained thereof other than a vehicle)

Tax Audit:
Provides protection for costs of professional fees incurred by companies in complying with taxation audits or in-depth investigations, first notified during the insurance period. Cover applies to investigations under Income Tax, Fringe Benefits Tax and Sales Tax Acts.

Travel:
Companies can arrange blanket policies to cover injury, personal effects, overseas medical costs and personal liability for employees and their spouses who travel regularly on company business.

Workers Compensation:
Covers employees against workplace accidents and provides cover for loss of earnings and rehabilitation. This insurance is mandatory.