

Commercial & Professional Insurance
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We tailor insurance solutions for businesses of all sizes, offering access to top insurers for optimal coverage. Our expert team streamlines the process, saving you time and money.
Explore our comprehensive range of Commercial and Professional Insurance Products below:
Management Liability
When you're running a business, you may be personally liable for any actual or alleged breaches of the Corporations Act. And it's not just large companies that are exposed - small and medium business owners and officers could be at risk as well. Management liability insurance covers the costs of defending directors, managers and employees against any claims that are a result of their actions or decisions.
Professional Indemnity
Professional Indemnity Anyone can make a mistake - but if your business is found liable for negligence, the costs can be financially devastating. Not only can it lead to an expensive lawsuit, but your business' hard-earned reputation may be damaged as a result. That's why professional indemnity insurance matters - for help protecting your assets and brand if your advice or insurance causes a client to take legal action against you.
Public and Products Liability
This policy indemnifies the insured for legal liability that arises from personal injury or damage to property that occurs during the period of insurance in relation to the business, subject to the policy exclusions. It also covers the defence costs that are incurred in respect of the claim.
Medical Malpractice
Medical Malpractice Insurance provides cover for health care professionals, such as doctors, dentists, psychiatrists arising from wrongful actions undertaken during their normal occupation, resulting in a third party being injured, incurring additional medical expenses, their property being damaged or causing their accidental death. The policy also provides cover for the defense of these claims for any civil action taken against you in court.
Aviation
While the aviation industry has stringent safety standards, flying carries some serious risks - both on land and in the air. So whether you're a private pilot or you fly as part of an airline, it's important to protect your business with aviation insurance. With the right aviation insurance, your business can be covered for risks such as aircraft damage, third party, passenger injury or third party property damage claims.
Business Insurance
Business Insurance A business takes years to build - but an accident or disaster could distroy it all in minutes. That's why businesses should help protect themselves with a quality business insurance pack. With the right cover in place, owners can run their business with confidence, knowing that their premises, stock, equipment and reputation are protected by insurance.
Contracts Works Insurance
When you're working on a construction site, plenty of things can go wrong. Damage or loss to a building could cost you time, money and even your reputation. Meanwhile, an onsite injury can result in considerable pain, stress and financial loss. That's why having the right amount and type of contract works insurance is an important part of your business toolkit, allowing your to get on with the job with less stress and worry.
Event Insurance
Whether you've organised a one-off corporate function or a large-scale festival, you'll know just how stressful arranging an even can be. There are so many things out of your control, including weather, ticket sales and even the behaviour of your attendees. That's why you should help protect yourself and your business with a tailored events insurance policy. With the right insurance, you can safeguard yourself if things don't go to plan - allowing you to run your event with confidence.
Farm Insurance
Working on the land brings many rewards - but just as many risks. As a farm owner, you're vulnerable to bushfires that can destroy livestock or damage your buildings and other property; machinery breakdown which can cost you time and money; personal illness or a serious accident; or even a claim from a guest injured on your property. That's why farm insurance can help protect your farm and its produce, and the wellbeing of you, your family and the people that pass through your property.
Marine Transit Insurance
If your business takes you across the seas, you can be exposed to risks from mother nature, misadventure and even piracy. Such risks can prevent your commercial vessel, cargo or truck from reaching its destination, or cause costly damage during the voyage. Marine transit insurance refers to a range of insurance products which help protect your business from loss or damage to vessels and cargo. It can cover the door to door delivery of goods worldwide, by sea, road, rail and air - including their storage on the way.
Trade Credit Insurance
If you trade or sell goods on a credit basis, you're at risk of bad debt or non-payment by customers. This can disrupt your cashflow and leave you out of pocket. Trade credit insurance is important for protecting your income and business assets against potential customer failure. With the right cover, you can grow your business confidently, knowing you can be protected if things go wrong.
Office Pack
Most professionals take an office pack cover, which is very similar to a “business pack” cover, but is designed more for business professionals in an office environment.
Business Interruption
If your business suffered an unexpected disruption, such as a fire, flood or storm, or a major supplier closes because of one of these events, how long would it take to get it up and running again? And how much would you lose along the way? Business interruption insurance can help make sure your business keeps running smoothly after an unexpected event, by covering the turnover that is lost - so you can recover and rebuild.
Fire and Perils
Under this section of the business policy, you can insure your assets and the assets of others which you are responsible for. Cover can include fire, lightning, aircraft, sonic boom, earthquake, storm, tempest, rainwater, wind, water, riot, civil commotion, strikes, vandalism, explosion, impact by vehicles, impact by trees and accidental damage.
Theft
Under this section, you can insure your assets and the assets of others, which you are responsible for. Cover, can include destruction, loss or damage caused by: theft or attempted theft, following forcible and violent entry or theft consequent upon threat of immediate violence or violent intimidation.
Glass Cover
Provides cover for replacement cost of either external glass or internal glass, or both. Also allows cover on specified glass such as signs etc.
Money
Money can be insured against theft as well as loss, destruction or damage caused by an accident. Money may be insured: > In Transit > On premises during normal business hours > On premises outside normal business hours > Whilst contained in a securely locked safe or strong room > In Private Residences
Employee Dishonesty
Provides cover against fraud or dishonesty by your employees, which results in a direct loss of money negotiable instruments or goods.
Machinery Breakdown
Covering breakdown or pressure, mechanical, electrical and electronic equipment, such as refrigeration equipment, electric motors, air conditioners, cash registers and machinery. Cover can include deterioration of refrigerated stock, loss of business income and the cost of hiring in temporary replacement equipment.
Taxation Investigation
This insurance covers costs incurred by your accountant or registered tax agent (after receiving notification from the Australian Taxation Office) in conducting an audit or investigation in relation to your liability to pay tax.
Electronic Equipment
Cover includes damage to Computer Systems and Electronic Equipment and Breakdown. This section can be extended to include temporary removal from your business address, breakdown, reinstatement of data costs following insured damage, temporarily hiring in replacement equipment and accidental or malicious erasure of data.
Corporate Travel
When business travel doesn't go to plan, corporate travel insurance can help to cover out-of-pocket costs to your business and employees. Benefits include: Overseas Medical, Dental and additional Expenses Resumption of Overseas Journey Hire Car Excess Waiver Cancellation Luggage and Travel Documents Accidental death, disability and loss of income Liability Extra Territorial Worker Compensation.
Voluntary Workers
Voluntary Workers Personal Accident: This policy has been designed to provide income protection to people who are injured while performing voluntary work. The policy is usually arranged by the organisation for which the volunteer performs work, but the benefits, should an injury occur, are paid to the volunteer worker. The amounts for the benefits can be negotiated prior to cover being taken out. The cover selected can include: Accidental death Total or partial permanent loss of limbs, sight or hearing A capital benefit for temporary or permanent incapacity to perform any occupation for at least one year A weekly benefit if the insured person is incapable of carrying out all or some of the usual duties of the insured person’s usual occupation.
Transit
Transit insurance is designed to protect goods or stock while they are being transported from one location to another. This type of insurance provides coverage against various risks that might occur during the transit process.
Legal Expenses
Covers the costs for legal expenses incurred and arising from legal disputes. You can select an individual & family cover and/or private web cover, which covers against some of the dangers for the individual associated with the Internet. Some claims examples of each products include: Families & Individuals Cover: Disputes over the purchase of goods or services or private sale of goods. Disputes with neighbors over fencing. Personal tax audit or investigation. Employment disputes, for instance, as a result of unfair dismissal or being made redundant Private Web Cover: Preparing documentation for submission to crediting bodies to challenge the accuracy of their information Pursuing defamation damages as a result of defamatory posts made against you published online Deletions of reputation damaging content posted online. (Subject to the policy wording of the Insurer.)