Services

Whether you are insuring your cargo or your craft, we understand the risks. Import, export, ports, products and politics - we know the landscape, we know the stakes.
So whatever your needs, you can be sure we have the right marine solution.

This insurance gives you protection if your craft suffers accidental loss or damage, cover for death or injury to other people or damage to their property.
Additional covers may include, if your boat is left unattended on a beach or moored temporarily off any exposed beach or shore, emergency towing, your outboard or auxiliary motor even if it is not fitted with a safety device and it falls over the side, up to 60% discount on your premium if your boat is laid up and water skiers' liability.

Home & Contents Insurance provides home owners with financial protection against most property damage caused by certain accidents or natural events.
It delivers peace of mind via a range of features and benefits that are designed to meet your requirements and your budget.
We can provide home insurance policies that include domestic workers compensation in all states. Additionally, our policies may offer worldwide household contents-related personal liability cover of up to $20 million.

There are two types of cover:

• Insured Events
• Accidental Damage

Insured Events

Insured events insurance is designed to provide protection and peace of mind relating to most typical homes and contents, including rental properties (including loss of rent cover), as well as some extended protection for contents outside the home.
Insured events include: -

• Fire or explosion
• Lightning or thunderbolt
• Theft
• Storm or rainwater
• Malicious acts
• Glass breakage
• Riot or civil commotion
• Fusion
• Impact
• Earthquake
• Escaping liquids or food
• Spoilage of frozen or refrigerated food

Additional insurance policies may offer additional cover against some instances of fraudulent use of your credit cards and items temporarily removed from the insured premises, among other additional benefits.

Accidental Damage

Accidental Damage Insurance is designed to provide flexible insurance protection and peace of mind relating to most non-rental homes and their contents, as well as extended protection for contents outside the home.
This insurance delivers new for old replacement of insured items in the event of accidental loss or damage, including all the events insured in under the Insured Events description. There are also a range of additional benefits.

Business insurance provides protection for:

• Commercial/Retail/Industrial businesses
• Office
• Trade

This delivers you peace of mind via a range of features and benefits that have been designed to meet your requirements and your budget.

Commercial/Retail/Industrial Businesses

Commercial/Retail/Industrial Insurance is designed to provide insurance protection and peace of mind for a range of businesses and against a range of risks.
This insurance delivers financial protection against insured events including: -

• Theft
• Money coverage
• Business interruption
• Machinery breakdown
• Property damage
• Electronic
• Equipment breakdown
• Goods in transit
• Glass breakage
• General property
• Broadform liability
• Tax audit

Office

Office Insurance is designed to provide office related insurance protection and peace of mind against a range of risks.
This insurance delivers financial protection against insured events including: -

• Property damage
• Business interruption
• Theft, machinery breakdown
• Electronic equipment breakdown
• Money coverage
• Broadform
• Liability
• Glass breakage
• General property
• Tax Audit

Trades

Trades Insurance is designed to provide trade related insurance protection and peace of mind against a range of risks.
This insurance delivers financial protection against insured events including: -

• Property damage
• Theft
• Broadform liability
• General property

Farm Insurance provides rural property owners with protection against hazards that can impact on farming properties of all sizes.
This delivers peace of mind via a range of features and benefits that are designed to meet your requirements and your budget.
This insurance offers financial protection against insured events including: -

• Accidental damage
• Theft
• Business interruption
• Machinery breakdown
• Farm liability
• Farm property including fencing and hay
• Home and contents
• Livestock
• Commercial motor vehicles including farm machinery
• Road transit

Harvest Protection Insurance is designed to provide insurance protection and peace of mind for crop growers.
This insurance delivers financial protection against events including: -

• Loss of yield caused by hail or fire
• Catastrophes
• Chemical overspray
• Some livestock damage

As well as offering storage and transit cover for harvested grains. This also offers an option to insure harvest machinery against fire damage.

Strata Unit Insurance is designed to provide protection for commercial strata properties. This delivers a range of features and benefits that have been designed to meet your requirements.
Commercial strata insurance provides insurance protection against: -

• Accidental loss or damage to your buildings and common contents
• Legal liability
• Office bearer's liability
• Personal accident
• Fidelity guarantee
• Machinery breakdown

Motor Vehicle Insurance provides both:

• Commercial
• Private

It delivers peace of mind via a range of features and benefits that are designed to meet your requirements and your budget.
These products offer you a choice of comprehensive, third party and own damage coverage. It may also offer you a choice of repairer, no fault excess, no claim bonus protection and many additional benefits.

Private Vehicle

This insurance delivers financial protection against: -

• Loss
• Damage
• Theft
• Third party liability
• Property damage
• Towing costs
• Redelivery and theft recovery costs
• Plus many other liabilities

Commercial Vehicle

Commercial Vehicle Insurance is designed to provide protection and peace of mind relating to single and a fleet of motor vehicles.
These products offer you a choice of comprehensive, third party and own damage coverage.
This insurance delivers financial protection against: -

• Loss
• Damage
• Theft
• Third party liability
• Property damage
• Towing costs
• Redelivery and theft recovery costs
• Plus many other liabilities.

Heavy Haulage Insurance is specifically designed to provide protection and peace of mind for both fleet operators and owner/drivers of heavy haulage motor vehicles.
This insurance delivers financial protection against: -

• Loss
• Damage
• Theft
• Third party liability
• Property damage
• Towing costs
• Redelivery and theft recovery costs
• Plus many other liabilities.

Liability Insurance indemnifies you against legal liability to pay compensation in respect of personal injury or property damage that occurs in connection with your business.
It brings you peace of mind via a range of features and benefits that are designed and expected to meet your requirements and your budget.

We offer the following :

• Broadfrom
• Victorian Plumbers Liability

Broadform

Broadform Insurance is designed to provide flexible insurance protection and peace of mind in regard to the operation of your organisation.
This insurance indemnifies an Insured against legal liability to pay compensation in respect of personal injury or property damage that occurs during the period of insurance and arising in connection with the business provided that the personal injury or property damage is not caused by one of the excluded circumstances.
In addition to compensation payable, the policy may also provide defence costs, even if the action against you, is groundless, false or fraudulent provided that an excluded circumstance does not apply.

Victorian Plumbers Insurance offers Broadform coverage, modified to suit the specific needs of an important customer group.
It is designed to provide flexible insurance protection and peace of mind in regard to the operation of your organisation.
This insurance delivers protection against Trade Practices liability, completed work liability and non-completion liability, as required by the Building Act 1993 (Vic) along with the public and products liability outlined under Broadform liability.

Accident & Health Insurance products provide coverage against illness and injury.
We can assist in protecting you against a significant range of circumstances, from expatriate medial requirements to voluntary workers' cover.
This delivers you peace of mind, offering features and benefits that are designed to meet your requirements and your budget.
Accident/Illness Accident - Illness Insurance protects you in the event of injuries or illnesses that prevent you from working.
This insurance may pay you an amount up to the earnings lost, for a number of weeks. The amount paid will depend on your weekly sum insured as shown on your insurance certificate, and your eligibility for other illness/injury entitlements.

Voluntary Workers Insurance protects you if you are injured while you are performing voluntary work.
It applies to a wide range of events, such as accidental death and loss of income.
This insurance can provide both you and your family with peace of mind regarding your volunteer work.

Journey Insurance protects you if you are injured during travel to and from your residence and your work, or during lunchtime.
The cover is for accidental death, disablement and loss of income.

Corporate Travel Insurance offers you protection against a wide range of mishaps that can occur when travelling domestically and overseas on business.
Covering events from illness, injury and disablement, through to overseas medical assistance, emergency travel assistance and even kidnapping and ransom cover, your Corporate Travel Insurance will help you go about your business with that worry taken care of.

Group Personal Accident Insurance offers group insurance coverage against certain illnesses or injuries.
Delivering compensation benefits on a range of events including disablement and rehabilitation, this insurance can offer you comprehensive peace of mind that extends to all of those insured.

Sport Injury Insurance offers cover for losses as a result of injury during the time of operation of cover.
"Time of operation of cover" means when the Policy operates and unless it is shown otherwise in the Policy Schedule will be while an insured person is actually engaged in officially sanctioned activities as described in the Policy Schedule.

Commercial Engineering Insurance provides protection against a range of hazards that can impact on engineering projects, from construction liability through to machinery and plant equipment failure.
We deliver peace of mind through policy features and benefits that we have designed and expect will meet your requirements and your budget.

Contractors Machinery & Plant Insurance is designed to provide insurance protection and peace of mind for contractors, and the construction industry, against a range of risks.
This insurance delivers financial protection against events including material damage to or caused by insured machinery and legal liability relating to use of insured machinery.
You can also select other options, depending on your risk protection needs.

Machinery and Electronic Insurance is designed to provide insurance protection and peace of mind for industrial, commercial, rural and government organisations against a range of risks.
This insurance delivers financial protection against events including various aspects of machinery damage, breakdown, repair and replacement, as well as business risk and liabilities relating to machine use.
It also protects you against business risks relating to your electronic equipment, including repair, replacement and other requirements, along with other options that you may select, depending on your risk protection needs.

Construction / Liability Annual Insurance is designed to provide flexible insurance protection and peace of mind for contractors and the construction industry against a range of construction related risks.
It delivers financial protection against events related to material damage, including demolition costs, professional consulting fees, business equipment damage and damage to existing structures deemed to be under your care.
It also protects you against many of the business risks relating to legal liabilities.

Construction / Liability One Off Insurance is designed to provide insurance protection and peace of mind for contractors and the construction industry, relating to construction project related risks.
This insurance delivers financial protection against events related to material damage, including demolition costs, professional consulting fees, business equipment damage and damage to existing structures deemed to be under your care.
It also protects you against many of the business risks relating to legal liabilities.

We can assist with the complexities involved in setting up and maintaining your compliance with the WorkCover Authority Australia wide.
Employers are required by law to take out a WorkCover insurance policy to provide compensation if a worker is injured.
These workers don't have to be full-time - they can be part-time or casual workers or employment arrangements.