Comprehensive Coverage
Protects against risks like property damage, liability claims, and business interruptions
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Customizable Policies
Flexible plans tailored to different industries and business sizes
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Financial Security
Ensures stability by safeguarding assets and cash flow in case of unexpected events
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Business Insurance
The future of business resilience
The future of business resilience
Shield Your Business from the Unexpected
Business Insurance Pack
Commercial Motors Insurance
Cyber Insurance
Directors and Officers Insurance
Events and Exhibitions
Key Person Insurance
Management Liability Insurance
Product Liability Insurance
Professional Indemnity Insurance
Property & Assets Insurance
Public Liability Insurance
Trade Credit Insurance
Workers Compensation Insurance
Business Insurance Pack
A Business Insurance Pack is a tailored bundle that combines multiple essential covers to safeguard small to medium enterprises (SMEs) under one policy. It generally includes protection for property, liability, business interruption, theft, and money. These packs are highly customisable, allowing businesses to include optional extensions such as cyber, machinery breakdown, or tax audit cover.
Who is it for?
Retailers, cafés, tradespeople, professional offices, small manufacturers.
Key benefit:
Convenience of a single policy with broad protection and competitive pricing.
Example:
A small accounting practice may insure office equipment, public liability for client visits, and tax audit cover — all under one package.
Commercial Motor Insurance
Commercial Motor Insurance covers business-owned vehicles against accidents, theft, or damage. Fleet policies can extend cover for multiple vehicles and drivers. Options range from comprehensive to third-party-only coverage, with add-ons such as windscreen, replacement vehicle hire, and downtime cover.
Who is it for?
Businesses operating delivery vans, trucks, taxis, or fleets.
Key benefit:
Keeps vehicles on the road, protecting both assets and third-party liability.
Example:
A delivery van crashes and injures another driver — insurance covers repair, liability, and replacement vehicle hire.
Cyber Insurance
Cyber threats are one of the fastest-growing risks for businesses of all sizes. Cyber Insurance protects against financial losses and liabilities arising from data breaches, ransomware, denial-of-service attacks, and human error. It often covers costs like IT forensics, data recovery, business interruption, legal liability, regulatory fines, and customer notification expenses.
Who is it for?
Any business storing client data, conducting online transactions, or relying on digital systems.
Key benefit:
Provides both immediate breach response services and long-term recovery support.
Example:
A medical practice suffering a ransomware attack can get assistance for negotiation, data restoration, and patient notification — avoiding crippling downtime.
Management Liability
Management Liability insurance protects businesses and their directors, officers, and managers against claims alleging mismanagement, breaches of duty, unfair dismissal, workplace discrimination, or regulatory investigations. It covers both the defence costs and potential settlements.
Who is it for?
Private companies, SMEs, not-for-profits, and partnerships with managerial responsibilities.
Key benefit:
Shields leadership from personal liability and preserves business resources.
Example:
A terminated employee sues for unfair dismissal — this policy funds legal defence and potential damages.
Professional Indemnity Insurance
Professional Indemnity (PI) insurance is essential for service providers, consultants, and professionals. It covers claims for negligence, errors, omissions, or advice that causes financial loss to a client. Policies can also extend to cover defamation, intellectual property infringement, and breach of confidentiality.
Who is it for?
Accountants, lawyers, consultants, engineers, IT providers, health professionals.
Key benefit:
Protects both reputation and financial stability when professional work is challenged.
Example:
An engineer designs a faulty structure — PI covers the cost of legal defence and client compensation.
Directors & Officers (D&O) Insurance
D&O Insurance specifically protects directors and officers of companies against personal liability for decisions made in their capacity as company leaders. Unlike management liability, which covers the entity as well, D&O is often required by larger firms and listed companies to attract and retain board talent.
Who is it for?
Directors, board members, senior executives of private, public, or not-for-profit companies.
Key benefit:
Protects personal assets of directors when held personally liable.
Example:
A shareholder alleges directors failed to disclose material risks — D&O insurance funds defence costs and settlements.
Product Liability Insurance
Product Liability Insurance covers businesses against claims that their product caused injury, illness, or property damage. This applies whether the business manufactures, imports, distributes, or sells products. In Australia, strict liability laws mean businesses may be held responsible even if the product fault originated with a supplier.
Who is it for?
Manufacturers, importers, wholesalers, retailers.
Key benefit:
Ensures compliance with Australian Consumer Law and shields against high-cost litigation.
Example:
A children’s toy is found unsafe, and multiple injury claims arise — Product Liability insurance covers legal defence and compensation.
Public Liability Insurance
Public Liability Insurance covers your legal liability if your business activities cause injury or property damage to third parties. It is one of the most common forms of insurance and is often a requirement for leases, contractors, and government tenders.
Who is it for?
Any business interacting with the public — trades, events, hospitality, retail.
Key benefit:
Provides peace of mind for everyday business risks and compliance with contracts.
Example:
A customer slips on a wet floor in a shop — Public Liability covers medical bills and legal claims.
Key Person Insurance
A key person — such as a founder, director, or senior executive — can be vital to the ongoing success and stability of your business. Key Person Insurance helps your business survive and adapt in the event of their unexpected death, disability, or critical illness.
Who is it for?
• Business owners and directors
• Companies reliant on specialist expertise or client relationships
• Partnerships or start-ups where one individual is central to operations
Key benefit:
• Financial Security: Provides funds to cover revenue loss, debts, or operational costs resulting from the absence of a key individual.
• Business Continuity: Helps maintain confidence among clients, suppliers, and investors during challenging times.
• Recruitment Support: Can fund the search and onboarding of a suitable replacement.
• Customisable Coverage: Policies can be tailored to the specific role, responsibilities, and value of the key person.
Example:
Losing a key individual can have serious financial and operational consequences. Key Person Insurance ensures your business is protected and can continue to thrive, even in the face of the unexpected.
Property & Assets Insurance
Property & Assets insurance protects physical business assets such as buildings, contents, stock, plant, and equipment. It can also cover loss due to fire, flood, storm, vandalism, or theft. Optional extensions include business interruption cover, which pays ongoing expenses and lost profits while the business recovers.
Who is it for?
Businesses with physical premises, equipment, or inventory.
Key benefit:
Ensures continuity and recovery after unexpected damage or loss.
Example:
A fire destroys a workshop — insurance pays for rebuilding and lost income during downtime.
Trade Credit Insurance
Trade Credit Insurance protects businesses from financial loss if customers default on payments, become insolvent, or delay beyond agreed terms. It allows companies to safely extend credit, expand to new markets, and access better financing terms with banks.
Who is it for?
Wholesalers, exporters, manufacturers, suppliers offering credit terms.
Key benefit:
Protects cash flow and strengthens confidence in trading relationships.
Example:
A key customer goes bankrupt without paying a $250,000 invoice — Trade Credit Insurance covers the loss.
Events & Exhibitions Insurance
Events & Exhibitions Insurance protects organisers, exhibitors, and participants against losses from event cancellations, public liability, damage to exhibits, and adverse weather. Optional covers may include terrorism, non-appearance of key people, or hire equipment.
Who is it for?
Conference organisers, trade shows, festivals, weddings, corporate events.
Key benefit:
Ensures events can proceed with confidence, even under unpredictable circumstances.
Example:
A major expo is cancelled due to a natural disaster — insurance reimburses deposits, venue hire, and marketing costs.
Workers Compensation
Workers Compensation is a mandatory insurance in Australia for all employers. It covers employees for medical costs, rehabilitation, and wage replacement if they suffer a work-related injury or illness. Policies and premiums vary by state and territory, with specific regulatory requirements.
Who is it for?
All employers in Australia.
Key benefit:
Provides statutory compliance, protects employees, and reduces employer liability.
Example:
A warehouse worker is injured while lifting goods — Workers Compensation covers treatment, time off, and return-to-work support.
