Insurances
Through our affiliate insurance group, we can provide clients with quotes on a full range of insurances:
Domestic
- Home and Contents Insurance
- Motor Vehicle Insurance
Business
- Office Contents Insurance
- Commercial Insurance
- Retail Insurance
- Industrial Insurance
- Income Protection Insurance
- Term Life Cover Insurance
- Trauma Cover Insurance
Commercial Motor Vehicles
We understand that your vehicle is often an integral part of your business. That is, without it you can’t get to your customers or clients and therefore a loss in this area affects your capacity to earn a living. So, it’s important that you secure a motor vehicle policy with an Insurer who can provide a quick and efficient service in the event of a claim. Our affiliate motor vehicle insurance broker can obtain cover &/or quotations for a wide range of vehicles from 1 to a 100 plus vehicles at competitive terms with broad policy terms & conditions. Your vehicles can be covered against accident, theft or attempted theft, fire, lightning or explosion.
You can choose from:
- Comprehensive – covers accidental damage to your vehicle in addition to cover for damage to third party vehicles &/or property
- Third Party Cover – covers damage only to third party vehicles & or property ( No cover for your vehicle)
- Third Party, Fire and Theft – covers fire & theft of your vehicle only in addition to cover for damage to third party vehicles &/or property ( No accident cover for your vehicle )
Commercial Property and Landlord’s Insurance
Commercial Property Insurance is also available for our manufacturing, wholesaling, distribution, professional services, retail or a property owner clients.
The success of your business is paramount and we believe it’s important to protect your assets and investments at all costs. Our affiliates can assist you with tailored policies that give a flexible range of options from various types of events including burglary and accidental damage.
Likewise, if you’re a property owner there are Landlord’s Insurance policies that protect you such as theft, accidental damage and rent default.
Employee Fraud Insurance
Have you ever worried that an employee may act in a fraudulent manner? Do your employees handle cash? The sad part is that sometimes business owners need to be protected from the dishonest behaviour of employees.
Public & Products Liability Insurance
Liability insurance provides protection for you and your assets against legal actions taken by third parties for personal injury and/or property damage following an accident arising out of the conduct of your business.
Our affiliates can provide information and options about the various aspects of these types of Public & Products Liability insurance policies.
Professional Indemnity Insurance
A Professional Indemnity insurance policy can protect a professional from financial loss, injury or damage arising from a mistake or failure by the professional to exercise the required level of skill. (A professional may also be held to be liable for a mistake even though there was no negligence.)
Directors & Officers Liability Insurance
Are you a director or secretary of a company? Are you aware that a director or secretary can be held accountable? And that their personal assets could be at risk? Our affiliates can guide you through the maze of issues that surround the role of a public officer. You’ve worked hard so why not protect your assets and insure your personal liabilities against personal litigation with a Directors & Officers Liability Insurance policy?
Our affiliates can also provide Employment Practices Liability Insurance which can be purchased in conjunction with a Directors & Officers liability cover or a stand-alone policy.
Income Protection
The average Australian worker will earn over $2 million in their 40-year working life. With these facts in mind have you ever considered what would happen to you and your family if you were sick or injured and unable to earn that money? Have you ever considered Income Protection Insurance or Income Replacement Insurance?
Insurance industry statistics tell us that every working Australian has a one in three chance of becoming disabled for more than three months before turning age 65.
Employees may be entitled to a limited amount of sick pay from their employer but workers’ compensation only covers you for work related injuries – a small percentage of the causes of disability.
On the other hand, an income protection policy will pay you up to 75% of your income (salary plus super and any other benefits) allowing you to maintain your lifestyle and keep paying your mortgage and other debts.
Income Protection insurance is a vital link in providing you and your family with a regular income stream during times of illness or injury. Contact us today on how we can assist you assess and obtain Income Protection insurance.
Life Insurance
No one likes to think about the worst case scenario but every day in Australia people are diagnosed with some form of cancer and many thousands of Australians die from cancer each year.
Statistics tell us that serious illness does not discriminate based on age or gender and the reality is that most Australians are under insured or not insured at all.
When considering life insurance the most important question is, can you afford to live without it? Most people have financial commitments no matter what stage of life and you can be insured against death, injury or illness:
Death cover (term life) pays a lump sum to your dependants if you die unexpectedly (cover often ceases once you turn 65)
Total & Permanent Disablement
(TPD) pays a lump sum if you suffer an illness or injury that permanently prevents you from working (e.g. Losing both hands)
Trauma cover pays a lump sum if you suffer any range of specified illnesses such as heart attack, stroke or cancer.
Speak to one of our team today and we can direct you to our insurance affiliates to tailor an insurance package for you particular circumstances.