Public Liability

Dealing with the public means there is a possibility for accidents to occur. An incident can easily take place, like a client to accidentally tripping over a piece of your equipment. That’s why Public Liability insurance is an important form of cover to consider.

Public Liability insurance is designed to protect your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.

Building and Contents

Building: Covers your building if it is damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy.

Contents: Provides cover for loss or damage to items such as business equipment, stock, plant and machinery, records and furniture belonging to you at the insured location (this does not include theft cover).

General property/Portable equipment

Portable Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock.

Glass

Provides cover for damage to the glass and signage at the insured business location.

Money

Money cover is designed to protect you for loss or damage to your business’s money whilst on your premises, in transit or temporarily stored in a private residence.

Electronic equipment

Electronic equipment insurance covers the cost to repair or replace specified electronic equipment following a breakdown.

You can also choose to insure the additional costs to your business or business interruption expenses caused by a breakdown of electronic equipment.

Machinery Breakdown

Machinery breakdown insurance covers the cost to repair or replace specified machinery following a breakdown

Personal Accident and illness

If you were unable to work due to an injury or illness, could you still generate an income to pay for living expenses, rent, bills and business costs?

Personal Accident and Illness insurance can provide levels of cover for loss of income if you are unable to work, suffer permanent disablement and even death as a result of an unexpected injury or illness (even if it occurs outside of your employment).