Commercial

Fleurieu & Hills Insurance specialises in comprehensive business insurance solutions tailored to meet the diverse needs of the many sectors.

Business Insurance

Business Insurance typically covers a company against various risks including Property Damage, Business Interruption, Theft, Glass & Liability claims. Fleurieu & Hills Insurance can tailor an Insurance policy to cater for your specific individual needs to protect your Business assets & income.

Without a comprehensive Insurance program in place, many businesses will not recover in the event of a major event.

Fleurieu & Hills Insurance can assist with:

Business Insurance:

Commercial Property
Business Interruption
General Property
Glass
Theft
Money
Employee Dishonesty
Machinery Breakdown
Computer & Electronic Equipment
Public & Products Liability
Taxation Investigation

Commercial Property Owners Insurance

Commercial Property Owners Insurance is a specialised type of insurance policy designed for the owners of commercial properties to protect them from financial losses as a result of damage or liability. The policy offers cover for a wide range of risks that property owners face, including damage to the buildings, loss of rental income, breakage of glass & liability cover should someone be injured or property damaged.

Fluerieu & Hills Insurance can assist with finding the right solution for you, as a commercial property holder across the various types of industries who may occupy your premises.

COMMERCIAL PROPERTY OWNERS COVER OPTIONS INCLUDE:

Building and Property Damage: Covers the cost to repair or rebuild the physical structure of the building due to damage as a result of an insured peril, including the cost to remove any debris
Loss of Income: If a commercial property becomes uninhabitable due to damage caused by an insured event, this coverage helps replace lost rental income during the period the premises is undergoing repairs
Rent Default: As an optional cover, the policy can provide protection against the tenant defaulting on their rent due to specific circumstances (conditions apply)
Theft: Theft coverage of materials that maybe attached to the building including copper piping, air-conditioning units & other fixed items.
Property Owner’s Liability: Protects the property owner from legal claims if a third party (e.g. tenant, visitor or contractor) is injured on the premises or if their property is damaged

Terms, conditions & exclusions apply

Commercial & Fleet Motor Insurance

Commercial Motor Insurance & Fleet Motor Insurance are specialised types of vehicle insurance tailored for businesses that use either single or multiple vehicles as part of their operations.

commercial motor insurance

Definition: This vehicle insurance is specifically designed for individual business owned vehicles used for commercial purposes. The policy covers a wide range of risks associated with vehicles used for business activities including deliveries, transportation, trades, sales & other business like activities.

Fleet Motor Insurance

Definition: Fleet Motor Insurance covers multiple vehicles under the one policy, typically for businesses that operate a fleet of vehicles. This simplifies the management of insurance for numerous vehicles, providing uniform coverage for the entire fleet.

Coverage Options Include:
- Comprehensive Coverage: It covers any loss or damage (including theft) of your vehicle along with any third-party property damage claims.
- Third-Party Liability: As a result of an accident caused by the insured vehicle it will provide coverage to other vehicles or property damage.

Additonal Benefits which can be covered may include:

Windscreen Protection
Hire Vehcile
Personal Property
Employees Tools
Towing Expenses
Emergency Repairs
Goods in Transit
Additional Increase Costs of Working

An additional premium payable maybe required to include some of the Additional Benefits listed above.

Public & Products Liability Insurance

Public Liability Insurance and Product Liability Insurance are essential types of insurance that protect businesses from claims related to injury or damage.

Fleurieu & Hills Insurance can help with:

Public Liability Insurance:

Definition: Public liability insurance protects businesses if a member of the public (e.g., customers, clients, visitors) is injured or their property is damaged due to the business’s activities.

Product Liability Insurance:

Definition: Product Liability Insurance covers businesses if their products cause injury or property damage to consumers or third parties.

Coverage Includes:

- Bodily Injury: Covers legal costs & compensation if someone is injured on the business premises or caused by the business’s activities.
  If Product Liability is included, the policy provides cover for claims where a product manufactured, sold or distributed by the business causes injury or illness to a third-party.
- Property Damage: Covers the cost of damage to third-party property cause by the business, including damage caused by a faulty or defective product if Product Liability is included.
- Legal Defense Costs:Covers the cost of defending legal claims, including court costs & lawyer’s fee

Who Needs It:

Any business that interacts with the public, but not limited to retailers, contractors, service providers, manufacturers, distributers,

plant & equipment Insurance

Plant and Equipment Insurance is a specialised type of insurance that covers businesses for the loss or damage of Machinery & Equipment used as part of their business operation.

This type of type of insurance is particularly important for occupations that rely heavily on physical equipment such as the construction & earthmoving industries.

typical coverage options available include:

Material Damage: If this section is operative, it provides cover for the cost to repair or replace the insured item as a result of damage within the coverage terms & conditions of the policy
Registered Insured Item Liability: If this section is operative in the policy, it covers the amount you maybe held legally liable to pay as compensation in respect to Personal Injury or Property Damage
Broadform Liability: If this section is operative, the policy provides cover for the amount you maybe held legally liable to pay as compensation in respect to Personal Injury or Property Damage

Additonal Benefits which can be covered may include:

Breakdown Cover
Removal of Debris
Emergency Travel Costs
Employees Property Damage
Locks & Keys
Windscreen Replacement
Hired in Items
Increase Costs of Working

An additional premium payable maybe required to include some of the Additional Benefits listed above.

trades Insurance

Trades Insurance is a type of tailored insurance policy designed to protect tradespeople, contractors, and sub-contractors who provide trade related services ( e.g. electricians, plumbers, carpenters) from the risks and liabilities they face on the job. The policy typically combines several types of covers to safeguard both the business and individual against various risks, including loss or damage, injury & financial loss.

key coverage areas for trade insurance:

Public Liability Insurance: Covers legal & compensation costs if a tradesperson causes injury or property damage to a third party while working. This is often the most essential coverage for tradespeople.
General Property Insurance: Protects against loss, theft or damage to essential tools & equipment, whether on site, in transit or stored.
Business Interruption Insurance: Covers the loss of income if a tradesperson is unable to work due to an insured event, for example if loss or damage occurred to an insured’s tools & equipment.
Commercial Motor Vehicle Insurance: The policy covers vehicles used for business purposes, including vans, utilities or trucks.
Comprehensive Cover: It covers any loss or damage (including theft) of your vehicle along with any third-party property damage.
Third Party Liability: As a result of an accident caused by the insured vehicle it will provide coverage to other vehicles or property damage.
Personal Accident Insurance: Provides financial compensation if a tradesperson is injured or becomes ill & is unable to work. Strict provision apply to this type of insurance & it is important to understand the terms & conditions of the policy coverage
Contract Works Insurance: Provides partially completed work & materials in the event of damage (e.g. fire, theft, storm) during the construction or renovation process

professional services insurance

Professional Services Insurance is a type of insurance designed to protect professionals and businesses that provide specialised services or advice, such as consultants accountants, lawyers, architects and other service-based providers. This insurance helps mitigate the risks associated with errors, omissions or negligence in the delivery of professional services.

key coverage areas in professional services insurance

Professional Indemnity Insurance: Protects against claims of negligence, errors or omissions in the advice or services provided. This is the core component of professional services insurance.
Public Liability Insurance: Covers legal & compensation costs against claims made by third parties for injury or property damage caused by the professional’s services or business activities.
Management Liability Insurance: Protects the directors & officers and the insured company itself form the many exposure relating to the management of the company, for example:
- OH&S
- Unfair Dismissal
- Sexual Harrassment
- Statutory Breach of Duty
- Defamation
- Statutory Fines & Penalties
Directors & Officers Insurance: Protects the personal assets of company directors and officers against claims related to their decisions and actions.
Cyber Insurance: Protects the business against data breaches and cyberattacks generally by unknown sources, which can compromise sensitive client information. This protection & cover is increasingly important for professionals handling confidential data & customers personal details.
Workers Compensation Insurance: Covers employees for work-related injuries or illness, providing medical benefits & wage replacement.

transport & logistics insurance

Transport & Logistics Insurance is a specialised type of insurance designed to protect businesses involved in the transportation, shipping, and logistics sectors from various risks associated with the movement of goods. A tailored insurance program can cover a wide range of activities including freight forwarding, trucking, shipping, warehousing, and distribution.

VARIOUS INSURANCE COVER OPTIONS FOR THE TRANSPORT & LOGISTICS SECTOR INCLUDE

Marine Cargo covers loss or damage to goods whilst being transported whether by land, sea or air. This cover is crucial for businesses that handle high valued or sensitive cargo where the goods are sourced & manufactured overseas.
Goods in Transit covers the goods while they are being transported within Australia, providing protection against loss or damage during loading, unloading or in transit.
Public Liability to protect the Business against claims for injury or property damage caused during the storage & transportation of goods. Cover can be extended to include ‘Goods in Control’ for the items which belong & are owned by third party and suffer a loss as a result of an insured event.

Fleet or Commercial Motor Vehicle Insurance covers the businesses vehicles used for transporting goods, including vans, utilities or trucks.

Comprehensive Cover, covers any loss or damage (including theft) of your vehicle along with any third-party property damage claims.

Third- Party Liability: As a result of an accident caused by the insured vehicle it will provide coverage to other vehicles or property damage.

Warehouse – Building, Stock & Contents can provide protection for the inventory kept at the storage facility along with the building, contents & any other infrastructure located on site.
Business Interruption provides coverage for lost income if the transportation or logistics operation is disrupted due to an insured event