Public & Products Liability

Essential protection for venues interacting daily with the public. Covers legal defence costs and compensation payouts if a customer slips on a wet floor, suffers a burn from hot food, is injured by faulty equipment, or experiences food poisoning from an item you serve.

Property & Custom Fit‑Out Damage

Insures your physical shopfront, restaurant dining room, commercial kitchen fit‑out, bar area, shelving, counters and fixtures against unexpected losses caused by fire, storms, major water leaks, accidental damage or malicious vandalism.

Stock & Marine Transit Cover

Protects your valuable inventory, including raw ingredients, alcohol, apparel, cosmetics, electronics and high‑value consumer goods — against theft, water damage or fire while on site, in storage, or in transit from wholesalers and suppliers.

Machinery Breakdown & Stock Spoilage

Covers sudden mechanical or electrical failure of vital business equipment such as commercial cool rooms, deep freezers, ovens, dishwashers, espresso machines and POS systems. Includes spoilage cover for perishable food or temperature‑sensitive stock.

Business Interruption

The ultimate operational safety net. Replaces lost turnover and pays ongoing fixed costs (commercial rent, staff wages, utilities, supplier contracts) if a fire, flood, equipment failure or major accident forces your venue to temporarily close.

Theft & Money Cover

Safeguards your physical stock, expensive equipment, cash floats, tills and safe contents against burglary, armed robbery or transit theft following forcible entry to your premises or secure storage areas.

Portable Equipment

Protects EFTPOS terminals, tablets, delivery devices, catering equipment and mobile service tools used offsite or in transit, ideal for venues offering catering, events, pop‑ups or mobile service.

Cyber & Data Breach

Critical for POS‑driven businesses. Covers cyber attacks, ransomware, privacy breaches, compromised payment systems and digital disruption affecting your ability to trade.

Management Liability

Protects owners, managers and the business entity against employment disputes, WHS investigations, discrimination claims, and governance‑related exposures, increasingly important for venues with staff.

Commercial Vehicle

Covers delivery vans, catering vehicles, mobile service units and staff‑use vehicles for accidental damage, theft, collisions and third‑party liability.