Business Insurance for Retail, Trade, Hospitality, Professional Service, Manufacturing
Types of insurance policies
('Essential' and 'worth-considering' are just a guide. Make your own assessment based on your needs.)
Provides cash flow based on expenses and expected net profit if business is interrupted by damage to property by fire or other insured perils. Make sure the policy goes on until the business income reaches what it was before the loss.
Directors and office bearers liability
Cost of civil legal action if directors and officers of companies and non-profit organisations are sued for negligence carrying out their duties and responsibilities.
Employee dishonesty or Fidelity guarantee
Loss of money or goods due to the fraudulent or dishonest conduct of an employee for their own gain, or the benefit of other persons or organisations.
Electronic equipment and breakdown
Cost to replace computers and data re-entry after an insured event e.g. a fire.
Employment practices liability
Claims and legal costs by employees for employment-related allegations. Examples: sexual harassment, wrongful dismissal, or discrimination on the basis of age, race, sex or religion. Covers your firm, directors and officers.
Accidental breakage to a shop window, glass display case or refrigeration cabinet.
Income protection insurance
Loss of income to the age of 65 by disability. This is an allowable personal tax deduction. Often overlooked and confused with WorkSafe Injury Insurance. Some super schemes offer it at a reduced rate.
Key person insurance
Death or long-term disability of a 'key person', usually someone vital to the continued running or profitability of the business.
Loss of money
Theft of cash and items such as postal orders, cheques and stamps from business premises or while in transit.
Loss due to fusion ('burning out') of electric motors used in your business.
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