Forms

Business Insurance

Fire & Special Perils

This policy protects your operations and its assets from damage and destruction due to fire, including bush fire, subterranean fire, spontaneous combustion, lightning, explosion, burst pipes, impact damage, riots, strike & civil commotion, hurricane windstorm, cyclone, tornado, earthquake, volcanic eruption, and flood.

Commercial Comprehensive

This package policy provides the business owner a safety net from all of life’s unexpected moments big and small. This policy provides coverage against risk that can impact on all areas of business operation. The coverages included in this package are:

Fire and Special Perils
Consequential Loss
Burglary
Employers’ Liability
Public & Property Owners Liability
Products Liability
Money
Glass
Fidelity Guarantee
Goods-in-transit

Business Interuption:

Keep your bottom line growing! With this policy, loss of profit is protected if your business is interrupted in the event of an insured peril.

Employers Liability:

This is coverage to protect employers from liabilities arising from disease, fatality, or injury to employees resulting from workplace conditions or practices.

Contractors All Risk:

Contractors all risks (also known as Contract Works insurance or Engineering) is insurance specially designed for builders and a number of other trades working at a contract site.

Contractors All risk can include cover for public and employers liability, contract works, own plant, hired-in plant and employee's tools. So a full CAR policy can be pretty much all the insurance a contractor needs in one package. Each policy can be different, not all include Employers or Public Liability for instance (for some it may be an optional extra), so it's important to check exactly what you are buying.