Office Insurance

Office Insurance policies are designed to meet the insurance needs of professional people who operate their business from an office, such as medical, consulting, financial and property service professionals, by packaging numerous types of insurance under the one policy. Each policy can be tailor made to suit your own individual circumstances by selecting only the cover types required for your business.

Office insurance features

Following are the covers commonly availabel under an Office Insurance Package policy.

Office Cover	What it insures against
Property Insurance	Damage to buildings, contents and stock caused by Fire & Perils, Theft and Accidental Damage.
Business Interruption	Impact on your business income following interruption to your business caused by an insured event.
Money	Theft of money.
Glass	Breakage of Internal and External glass and signs.
Broadform Liability	Your legal liability to pay compensation for personal injury or property damage.
Employee Dishonesty	Fraud or dishonesty by your employees.
Machinery Breakdown	Damage to machinery caused by breakdown, or damage to boilers and pressure equipment caused by explosion and collapse. Deterioration refrigerated or frozen stock can also be insured against.
Computers & Electronic Equipment	Theft, Fire, Accidental Damage, Breakdown and Business Interruption cover for computers and electronic equipment
General Property	Provides cover for property (excluding stock) such as mobile phones, which is taken off premises, like a mobile phone or tools of trade.
Tax Investigation	Costs incurred by your accountant or registered tax agent (after receiving notification from the Australian Taxation Office) in conducting an audit or investigation in relation to your liability to pay tax.