Types of Protection

	Business Interruption For Businesses operating from a premises Protects you against financial loss if your business is interrupted through damage to your insured property by fire or other insured perils.			Investors’ Property Protect your commercial property investments Covers loss of rent due to insured perils, rental default and property owners’ liabilities to the public and to the tenants.

	Commercial Motor For your company fleet Covers your company vehicles with special conditions to facilitate addition or deletion of fleet cars.			Key Person If your business depends on certain key personnel Covers insured loss due to the sudden death or inability to work of your key executives.

	Commercial Package / Industrial Special Risks Common business covers in one single Package A packaged cover for material loss or damage to your properties and any consequential loss resulting from interruption or interference to your business.			Legal Expenses Just in case you need to defend a claim against you in court Covers expenses incurred for the defence of a claim or legal proceedings commenced against you.

	Contract Works Before you start any construction/modification Covers buildings or equipment including third party liability during construction of a new building or installation or modification to any existing building.			Medical related Liabilities Clinical Trials; Malpractice; Pharmaceuticals For companies in the medical industry Covers you for claims of bodily injury arising from your business activities.

	Corporate Travel/Group Personal Accident For Businesses who want to cover employees at work or travelling overseas Covers death, loss or damage to personal effects, medical expenses, kidnap and ransom etc of employees when they are at work or travelling on company business.			Mergers and Acquisitions For Private Equity Fund managers and investors Due diligence review of insurance profile of the acquired company and report on findings and actions recommendation with costing.

	Crime For Businesses susceptible to frauds and theft Protects company from white collar crimes such as theft by employees, losses due to employee fraud or forgery, and investigation costs.			Products Liability An essential cover for all who sell products Protects you against claims arising from goods or services which you sell and which allegedly caused injury or damage.

	Directors and Officers Liability For directors and officers of any organisation Protects company directors and officers as well as the company on claims made against the directors and officers for errors and omissions in their duties.			Professional Indemnity Covers you for the liability arising from the advice you gave If you ‘sell’ advice, then any financial loss arising from your errors, omissions, libel or slander are not covered by your Products Liability insurance. Only a Professional Indemnity insurance will cover you.

	Employment Practices Liability A Must for all companies with employees Protects you against employment-related claims -- for defamation, discrimination, harassment, retaliation, unfair hiring practices, wrongful dismissal and other workplace torts.			Public Liability If your premises or your staff come in contact with the public Covers you against claims by members of the public who may suffer injury or property damage while they are at your premises, or when you are working at their premises

	General Property If you need to protect company assets whilst being used outside your premises Covers the cost to replace or repair your property due to physical destruction, loss or damage, e.g. mobile phones, laptops or tools anywhere in Australia.			Strata - Commercial or Residential Strata insurance to protect the owners and the committee of the Owners Corporation. A properly structured strata insurance is the only feasible for multiple owners in a strata to manage their shared risks.

	Goods in Transit and Marine Cargo For any Business with stock/assets being transported Covers loss or damage to your stock whilst being transported.			Trade Credit A must if you trade with your customers on credit Covers loss due to bad debts either on nominated accounts or on whole debtors ledger.

	IT Liability If you own a website or trade online, you will need this cover Protects you from claims arising from libel, copyright or trademark infringement, "e-commerce" exposures like theft of credit card data or other user privacy information.			Other Specialised Insurances Depending on the nature of your business and the risks you have identified, you may need a tailor-made package to cover your risks.