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Commercial & Industrial Tailored Products Rural Insurance Products * Subject to individual State or Territory legislation
Industrial Special Risks, Property & Business Interruption Property Covers destruction of, or damage to, your buildings and contents through fire and other perils as lightning, explosion, malicious damage, earthquakes, storm, and water damage. Burglary covers the following areas when theft occurs involving violent, forcible entry: loss or damage to stock, goods held in trust and all contents for which you are responsible within the premises. Note: It does not normally cover theft by employees or others entitled to be on the premises. Business Interruption provides cover if business is interrupted through damage to property by fire or other insured perils. Cover ensures ongoing expenses are met and anticipated net profit is maintained through a provision of cash flow. Public Liability covers you against claims by members of the public who may suffer injury or damage to property while on your premises, or while you are working at their premises. If you sell, supply or deliver goods, even in the form of repair or service, you may need Products Liability cover against claims of goods causing injury or damage. Machinery Breakdown & Electronic Equipment Usually obtained within an engineering policy and covers Mechanical and/or Electronic equipment against such risks as breakdown and explosion. All company/business vehicles must be insured for third party injury liability. A comprehensive policy will also insure for third party property damage and own damage. Insurance against losses resulting from the dishonesty of employee/s. Cover against loss or damage to your property while in transit - either within Australia or on a world-wide basis Personal Accident, Illness or Disability Covers against your inability to work and the resulting loss of income. Unless you operate as a Proprietary Limited company, you personally will not be covered by Workers Compensation. This cover is compulsory. It covers claims arising from the death, injury or illness of employees arising out of their employment (under workers compensation law, or common law) and includes legal costs. |
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