Business Property & Liability
This type of insurance helps safeguard your business from common, high-impact risks, including property damage, theft, and liability claims.
Whether you own your building, lease a space, or work from a commercial premises, this cover can be tailored to fit your business operations, assets, and legal responsibilities.
Protects your business premises, stock, and equipment from insured events such as fire, storm, flood, or accidental damage.
Helping you recover quickly and minimise disruption.
This is sometimes referred to Consequential Loss or Loss of Profits but essentially covers your loss of income and fixed operating expenses if your business is interrupted and or forced to close due to an insured event under the Fire & Perils section. This will keep your cash flow flowing and your business afloat during these catastrophic events.
Theft Cover
Protects against loss or damage from theft or attempted theft, usually whether or not there is forced entry. May exclude theft by employees or unexplained shortages.
Burglary Cover
Protects against loss or damage following forcible and violent entry to or exit from the premises. Requires evidence of forced entry and excludes theft without it.
Key Difference:
Theft = broader cover, no forced entry required (policy dependent).
Burglary = narrower cover, forced and violent entry required.
Provides cover for accidental breakage of fixed glass, windows, display panels, mirrors, and external signage.
Ideal for retail, office, and hospitality businesses.
And is generally a requirement for any commercial lease of a premise
Covers the loss or theft of business cash kept on-site, in transit, or securely stored after hours.
Helping protect against internal and external threats.
Protects portable tools, electronic devices, and equipment taken off-site or used on the move. Ideal for tradies, mobile businesses, and service providers.
This covers your business against negligence causing liability where a third party has incurred property damage or bodily injury during the period of insurance.
This is also generally a requirement for any commercial lease of a premise.
Covers owned or hired machinery and heavy equipment against accidental damage, theft, and breakdown.
Essential for construction, trade, and industrial operations.
This cover the sudden and unforeseen Mechanical, Electrical, Electronic or Pressure Vessel breakdown even during warranty periods. It also can include Loss of Profits from a Business Interruption caused by the breakdown as well as the loss of or deterioration of stock.