Australia

Insurance overview: the business package insurance provides comprehensive protection to your business, helping them address the unexpected situation that may cause a halt in operation or financial losses.

Coverage: include working sites, stocks, transportation, equipment, and other property damage, business interruption losses, tax audit fees, losses caused by employees' dishonesty, etc. This coverage will ensure your business' financial future and resilience in operation. Based on your nature of business and the sector that you view as the most risky, we can help you choose the most suitable business insurance package and the sum assured.

Insurance overview: the industrial special risk insurance is a type of business insurance that has a wide range of coverage, preventing your high value real assets (e.g., real estate, buildings, machinery, materials and equipment) from suffering financial losses when they are damaged.

Coverage: industrial special risk insurance is specifically designed for mid- to large companies or multinational companies. It aims to safeguard against the risks that cause financial losses that were unlisted in the policy. It covers property damage, business interruption, joint business interruption, accidental damage, theft and fraud, etc.

Insurance overview: the professional indemnity insurance ensures that your business is not affected by significant financial losses caused by small mistakes. It helps protect your assets, brand, and reputation when your client takes legal action against the advice or services provided by the professionals. In certain industries, obtaining professional indemnity insurance is mandatory, such as in the healthcare, legal, accounting, and financial advising sectors, etc. This requirement may differ in different regions.

Coverage: include the risk of claims and legal fees resulting from the professional's mistakes (including negligent or misleading advice, malpractice, privacy breach, loss or damage of documentation, intellectual property infringement, etc.).

Insurance overview: the public and products liability insurance protects your business against claims for third-party bodily harm or property damage caused by your events and products. This insurance helps businesses to deal with the legal disputes arising from an accident and protects their reputation and financial security.

Coverage: this insurance can cover the compensation, medical fees, legal fees, and other costs when a third party suffers bodily harm or property damage as a result of your business' events or product defects. This is especially suitable for those businesses that directly interact with the public and sell their products. These include retailers, suppliers, service providers, etc.

Insurance overview: the commercial motor insurance protects businesses that own or operate a car. It safeguards against the financial risks caused by accidents, thefts, natural catastrophes, and other factors, ensuring the continuous operation of your business.

Coverage: no matter if you're operating a courier, logistics, or any company that owns a commercial car, you can include all commercial cars in one policy, saving your time and funds. It comprehensively covers losses from accidents, fires, theft, and natural catastrophes, as well as third-party property damage. Furthermore, you may also obtain additional personalized benefits, such as car maintenance services, car body advertisement protection, etc.

Insurance overview: the management liability insurance provides important safeguards for businesses and their management to address the financial risks and legal disputes during the company management process. It also maintains the business' reputation.

Coverage: this insurance helps to pay the expenses arising from claims, dispute resolution, or losses caused by compensating business-related issues, including claims and legal fees resulting from workplace harassment, discrimination, unfair treatment, defamation, occupational wellness, and safety issues, etc. It helps to avoid the potentially high amount and unexpected liability claims.

Insurance Overview: Commercial strata insurance offers protection for stratified commercial buildings, such as office buildings, retail shops, and industrial areas. This insurance ensures that commercial owners do not have to bear the full cost of repairs when common areas or facilities are damaged. In Australia, obtaining commercial strata insurance is mandatory. Commercial owners can purchase this insurance through the owners' committee.

Coverage: covers the whole building and all of the common property or facilities owned by the owners' committee. These include the car parks, lifts, halls, corridors, meeting rooms, and other public facilities; equipment such as air conditioners and electric systems, and exterior walls, rooftops, and other building structures.

Insurance overview: The contract works/construction insurance is an important protection package tailored for building contractors, subcontractors, and owner-builder. It protects against a wide range of risks that can be faced during a construction project, ensuring a smooth construction process.

Coverage: include damage of building under construction, natural disaster, theft, malicious damage, broken glass, third-party bodily harm, or property damage claims arising from construction activities, etc. It protects your finances and complies with any legal or contract requirements.

Insurance overview: the marine insurance aims to protect businesses against the loss or damage risks of vessels and goods. It also safeguards the transportation and storage of goods.

Coverage: suitable for cargo transportation, vessel operation, terminal operation, maritime services, logistics, trucking services, etc. It covers accidental damage, theft, sinking, property damage, and third-party claims, preventing your business from being affected by the unique land and water risks.

Insurance overview: the corporate travel insurance provides protection to corporate employees when they are on domestic or international business trips. This way, businesses can focus on their operation without worrying about accidents.

Coverage: include emergency hospitalization and medical fees, claims for lost travel documentation and baggage, accidental death, disability, loss of income, rental car fees, costs of flight delays or cancellation due to sickness, kidnapping and extortion incidents, and third-party claims arising from employees' own actions. Furthermore, corporate travel insurance can extend to the employees' families and acts as a cost-effective employee benefit.

Insurance overview: the cyber insurance can help to fill in the financial losses, liabilities, and other consequences arising from cyber attacks. It helps to protect businesses' online systems and digital assets, as well as clients' and employees' confidential information.

Coverage: include income losses, ransom payment, data recovery and replacement, third-party data liability, legal fees, costs of the government's investigation, copyright infringement, abuse of intellectual property, crisis management and monitoring, prevention of further attacks, etc., due to business interruption. Cyber insurance is especially important to SMEs, e-commerce companies, financial corporations, medical suppliers, IT companies, and any companies with online businesses.