Hospitality Insurance

Cover for your building, business contents, stock or specified items for events such as fire, storm (excluding flood), impact, lightning, explosion and earthquake. Also included is the cost of removing debris, and rewriting of records.

Cover for theft of your contents, specified items and stock. Cover is not provided for theft of contents in the open air.

Covers loss or damage to glass that you own or for which you are legally responsible at your business premises, the cost of temporary shuttering, replacement of sign writing, cost of replacing any window tinting film and the cost value of stock and contents spoiled by the broken glass.

Covers loss of money at your business premises during and outside of business hours. Cover is also provided for money lost during transit, whilst in a safe or strongroom or in custody at a residential premises. The policy does not cover loss of money due to accounting or clerical errors or theft by staff.

Provides cover for reduction in turnover or revenue if your business is interrupted due to an insured event such as fire, burglary or storm damage. Reasonable claims preparation costs and increased cost of working are included as extra covers.

Cover for your legal liability for personal injury or damage to third party property and advertising liability caused by an occurrence connected with your business.

Cover for portable and valuable items such as mobile phones, laptop computers and tools of trade that you usually carry around with you in the course of your business. Cover is provided for accidental loss or damage to portable and valuable items worldwide. Cover limit up to $2,500 applies per item unless the item has been specified for a higher value.

Covers you for professional fees (such as accounting fees) associated with a tax audit or investigation of your business’s tax affairs by the ATO or Government agency. Tax Probe cover provided depends on whether you select Business Audit only, Business and Directors Audit or Individual cover.

Commercial Motor Vehicle Insurance offers three types of cover for your business vehicles:

• Comprehensive cover: provides cover for your vehicle as well as third party property damage
• Legal liability, fire and theft: provides cover for your vehicle for fire and theft only and cover for third party property damage
• Legal liability: provides cover for third party property damage only.

(Not available online)

Covers the cost of repairing or replacing your insured equipment due to a breakdown at your business premises. Covers is also provided for any direct loss or damage to insured property as a result of the breakdown. Deterioration of stock, restoration of computer data and increased costs of working are optional covers available for an additional premium.

(Not available online)

Business insurance not only can provide cover for damage to physical assets, but can also offer Personal Accident & Illness cover to business owners and staff named on the policy schedule. There are 2 types of cover:

• Accident only
• Accident & Illness

(Not available online)

Provides cover for loss or damage caused to goods you sell, buy or use in your business when they are in transit. There are 2 types of covers:

• Specified perils: includes collision, fire and explosion
• Accidental damage: includes specified perils and accidental loss or damage

(Not available online)

Covers the management liability of you, your directors, officers and employees. Optional cover for Employee Dishonesty is also available for an additional premium.