• Storm
• Malicious damage
• Explosion
• Earthquake
• Wind
• Leakage of liquid

• Removal of Debris
• Accidental Damage
• Claim Preparation Costs

Provides cover for consequential loss of profits or revenue resulting from the interruption or interference with your business caused by damage covered under the Fire and Perils Sections. There are several different options of cover available, these include:

Business Income Protection:

• Weekly income
• Additional expenses (eg - relocation costs, expediting expenses)

Consequential Loss of Profits:

• Gross profit
• Loss of rent receivable
• Payroll   

Claims preparation expenses
Reasonable professional fees and other expenses necessarily incurred as a result of the property claim (as agreed by the insurer and subject to policy limit).  

Additional increased costs of working
This option, if selected provides cover for additional expenditure not otherwise covered under any other section
following a loss. It provides cover for reasonable costs  incurred to minimise the loss or damage caused to the
business. An example of such – cover for additional payroll and advertising expenses required to maintain the
business’s customer base. (as agreed by the insurer and subject to policy limit).     

Outstanding Accounts receivable  
Cover for the amount owed to the business that it is unable to collect due to damage to records. 

Provides insurance cover in respect of insured's liability for loss or damage caused negligently to third parties, who are not the insured, as a result of an occurrence in connection with the insured business.

It indemnifies the insured business against legal liability to pay compensation in respect of personal injury or property damage claims arising in respect of the Product &/Or Service sold or supplied by the insured, however it does not cover product warranty and is always subject to terms, conditions and exclusions.
In addition, these policies also provide cover for defence costs even if the action against you is false or fraudulent,
provided that an excluded circumstance does not apply.

Personal Injury cover includes:

• Death, bodily injury, sickness, disease, disability, shock, fright, mental anguish and mental injury
• false arrest, wrongful detention or imprisonment, and malicious prosecution
• Wrongful eviction
• Assault or battery
• Libel, slander, defamation of character or invasion of the right of privacy

Property Damage includes:

• Physical Damage to tangible property
• The loss of use of tangible property which has not been damaged but cannot be used due to Damage to other tangible property.

Covers insured property (business contents, stock and customers' goods as declared) contained on your business premises following forced and violent entry. Additional cover includes damage to buildings and fixtures, replacement of locks, protection of premises, and temporary removal of your property insured to another location subject to the policy limitation.

Covers Loss of, or damage to, money contained in the building during or outside business hours, while in a locked safe or strongroom, in transit, or in your personal custody while contained in your private residence.

Cover Options Available:

Transit to or from your business premises

• Money while contained in the night safe of any bank;
• Money contained in the building:

1. During business hours;
2. Outside business hours; and/or
3. Only while contained in a securely locked safe or

• securely locked strongroom.
• Money in Your personal custody Covers

Cover provides protection against accidental breakage of fixed glass located at the business premises. Property covered includes items such as Glass / Perspexwindows, doors, mirrors and skylights for:

• Fixed external Glass; and/or
• Fixed internal Glass.

In most cases the policies also provide cover for wash basins, lavatory pans and cisterns.

Covers the loss of money or goods (i.e stock) due to the fraudulent or dishonest conduct of an employee, for their own gain or the financial benefit of any other person or business. A few examples of events which are covered include:

• An employee stealing money to fund gambling activities
• An employee organising with another person to over-pay invoices or pay false invoices

Covers for damage to electrical, electronic and mechanical machinery insured due to breakdown located at the business premises.
Cover provides compensation to your business for:

• The costs of restoring or replacing machinery after Breakdown; and/or
• The cost of hiring temporary machinery

Additional Features / Benefits

• Cover is available under this section for deterioration/loss of stock (up to the nominated sum insured) following a breakdown.

Covers damage to insured computers and/or electronic equipment located at the business premises.Cover options available under this section include:

• Accidental Damage covers any accidental loss or Damage to the Property Insured including Breakdown.
• Breakdown only covers sudden & unforeseen failure of computer or electronic equipment
  
  Additional Features and Benefits
• Restoration of datacovers costs for the purpose of restoring data lost as a result of damage (incurred up to nominated sum insured)Increased cost of working cover is for over and above normal operating expenses (up to nominated sum insured) as a result of a loss. This includes external accountants and other professional fees.

Covers items such as laptop computers, tools of trade whether at, or away from the premises.

There are principally two covers available under this section:

• Accidental damage covers any sudden, unexpected or occurrence not otherwise excluded
• A restricted cover to collision, overturning of the conveying vehicle and flood. Fire, cover is available as an optional cover.

Covers your business for damage to property insured whilst in transit within Australia caused by certain defined events. It provides cover for Loss of, or damage to goods insured. There are several cover options available:

• Fire, Collision and Overturning covers overturning of theconveying vehicle, resulting in your insured item(s) being destroyed
• Fire, Collision and Overturning and Theft covers the conveying vehicle being broken into and your insured item(s) being stolen

All Risks not excluded covers the insured item(s) being dropped by the carrier resulting in your item(s) being destroyed (covers all risks of loss or damage not otherwise excluded)