Our Products
Enabling businesses to have piece of mind knowing that what’s important to them is protected and secure.
Products and protection
We empower Australian small businesses and families to enjoy piece of mind, knowing that their assets are safeguarded and secure.
As a proud member of Resilium Insurance Broking and the Suncorp Group, we have the privilege of offering you an extensive array of insurance products. Our commitment is to provide you with the best protection, tailored to your unique needs. Trust in our expertise to protect what matters most to you.
Public Liability Insurance
Public Liability Insurance covers you if a member of the general public is injured or their property is damaged as a result of your activities, regardless of who’s at fault. It is the best way to protect you and your business against the risk, against the things you can’t foresee, so you can get on with those that you can.
Benefits include:
Liability cover between $5 million to $20 million
Expense cover for rendering first aid to others
Legal costs and expenses cover
Third party property cover when in your care, custody or control
Cover for Products Liability
24 hours claims service
Business Insurance
Business Insurance allows you to protect your business premises and equipment from damage or loss. Covering a broad range of professional occupations.
Your cover options include:
Fire and Other Damage Insurance to protect your building and its contents
Burglary Insurance against theft of stock or other business equipment
Industrial Special Risk
Industrial Special Risk Insurance is designed for larger, more diverse businesses where it is more practical to combine several individual policies into one. So, if you have assets over $3 million and a diverse number of locations Industrial Special Risk Insurance can be tailored to meet your specific needs under one policy.
Targeted Occupations as examples:
Infrastructure (including ports, roads and tunnels)
Plastic (injection and extrusion) manufacturers
Rubber products manufacturers
Wineries
Targeted Properties as examples:
Ski lodges and resorts
Shopping Centre’s and arcades
Backpackers hostels, boarding houses and student accommodation
Corporate Liability Insurance
Corporate Liability provides liability insurance solutions for businesses that recognize the value that a sound Quality Assurance system adds to reducing their liability exposure.
Corporate Liability provides insurance for most manufacturing risks.
Professional Indemnity Insurance
Professional Indemnity Insurance is designed for people who provide professional advice for a living, such as accountants, marketing consultants, medical professionals and more. It protects you, your employees and your business against claims arising from alleged errors and omissions in carrying out your professional duty.
Such as:
when a third party, usually a client, alleges that your professional advice, design or service is negligent and caused them loss – the loss can be bodily injury, property damage or financial loss
From a breach of the duty that you owe as a professional or an expert
As a Civil Liability from the conduct of your professional services. Coverage includes Contractual liability, liability under the Trade Practices Act, defamation, infringement of intellectual property right, liability for the acts of sub-contractors and consultants, compensation and claimant’s costs and expenses. Other costs such as legal defence costs are payable in addition to the limit of indemnityr
Cyber & Privacy Insurance
Cyber crime targets business of all sizes and costs Australian businesses $billions annually, yet it remains one of the least insured policy areas. One Cyber attack can leave a business held to virtual ransom whether it be through the use of vicious malware and computer viruses to hack a network and computers, ‘denial of service’ attacks, phishing scams and internet fraud, business and identify theft and more.
Every business that has a website or electronic records is vulnerable to cybercrime or an accidental data breach – and the consequences of a cyber-incident can be very costly.
Depending on the situation, you may be up for the cost of ransoms or IT solutions to unlock and repair your systems. You could also be liable for the costs of reporting the breach, legal claims, and remediating any losses suffered by your customers or clients.
A cyber attack or data breach may cost your business more than just money. It could threaten your intellectual property, put your customers’ personal information at risk and cause major damage to the reputation of your company.
Commercial Vehicle and Motor Trade Insurance
Commercial motor vehicle insurance covers a full range of events from accidental loss or damage, fire, theft or attempted theft, malicious damage or storm damage to your business vehicles. It offers you competitive motor insurance rates. If you are looking for comprehensive commercial motor insurance cover for your passenger car, 4WD, utility, van, prime mover, or trucks over 2 tonnes, we can tailor a policy to suit your needs.
We can arrange two types of commercial motor vehicle insurance cover:
Comprehensive cover (Theft or Damage AND Legal Liability)
Legal Liability Cover (only)
Talk to us today about how we can tailor commercial motor vehicle insurance that is right for your business or to obtain a quote.
Heavy Motor Vehicle Insurance
Heavy Motor Insurance provides specialised protection for heavy mobile machinery, or vehicles with a carrying capacity over five tons. It is available across a range of occupations including general carriers, tippers and building industry and equipment movers. Transport Package is a flexible insurance product designed for businesses with less than 15 commercial motor items to insure.
It combines four insurance products. You can choose to include all four insurance products in the Transport Package or tailor a package to suit your needs – Commercial Motor is the only mandatory inclusion.
These fourproducts are:
Commercial Motor Insurance
Liability Covers public and product liability
Marine Cargo Cover: The policy offers the choice of Carrier’s Goods In Transit (Perils) Cover or a broader Accidental Damage option.
Business Interruption Cover
Contract Works and Legal Liability Insurance
Contract Works and Legal Liability Insurance is designed for businesses who own, run or manage any type of construction site – protecting you against major contingencies before, during and after completion. Covers can be available as a one-off policy for a specific project, or you can take an annual policy covering multiple projects and sites Australia-wide.
This is why Contract Works & Legal Liability Insurance is so important to have if you own, run or manage a construction site. Whether you manage a multi-storey development or an owner builder dwelling, Contract Works & Legal Liability Insurance can provide the right cover to suit your needs.
Liability Insurance provides a safeguard for employers should construction workers become injured on site. Cover also includes materials and machinery on the site in the event of an accident, fire or theft. The high cost of building materials means theft can be a common occurrence and this is a good reason to opt for Contract Works & Legal Liability Insurance.
Construction Insurance and Liability Insurance for both single projects and annual policies on a whole range of risks.
Not-For-Profit Organisations Insurance
We understand your organisation’s commitment to the community and how important it is to have the right insurance.
Designed for volunteer groups and community groups, Not for Profit organisations (NFPO) insurance covers your organisation’s public liability exposure and gives you the peace of mind when you need to carry on with your good work.
As well as liability cover, we can also arrange general covers as part of a business insurance policy.
Farm Insurance
We are committed to providing our customers with quality advice and service based on their needs, goals and current situations.
We understand that in farming, your business is your livelihood. So you can’t afford to take chances with either your farm insurance or your home and contents insurance cover.
We will help you to tailor a policy from a range of cover options to suit your particular farm insurance needs. You can select specific covers from farm machinery insurance, building insurance, home and contents insurance as well as crop, fence, livestock and power pole insurance.
Farm Insurance cover includes:
Farm Contents
Power Poles
Windmills
Free Standing Silos
Domestic Building and Contents (including contents away from the situation)
Other insurance options include:
Theft
Business Interruption
Machinery Breakdown
Road Transit
Business Liability
Farm machinery & Working dogs
Hay, grain, livestock, fences and trees
Farm Motor Insurance
Some policies require you to take out a minimum number of covers under the policy.
Travel Insurance - Business
Did you know you only have to be just over 100 kilometres away from your place of business to qualify for Business Travel cover? Business Travel Insurance will cover your employees for Business and combined Business-Leisure travel and Business Owners/ Directors for all travel including purely Leisure travel, during the 12 month insurance period.
Benefits include:
24/7 World Wide assistance
Unlimited overseas medical & evacuation expenses
Cancellation – loss of deposits & additional expenses
Loss of baggage
Replacement employee costs
We can also assist your personal Insurance needs including:
Home & Contents Insurance
Landlord’s Insurance
Personal Motor Vehicle Insurance
Caravan & Trailer Insurance
Boat Insurance