North Sydney: 1300 695 840
Oran Park: (02) 4633 6500

Classes of Insurance

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To help you understand which insurance solutions might be appropriate for you, we have listed out the major classes of insurance. You can also view a full list of Products under the Products and Services menu.

We’ll help you understand your needs and find the best solution, so please contact us for a discussion on 1300695840 or fill out the form on the Contact Us page.

Life Insurance

You’ve worked hard to build a thriving business, but life can be unpredictable. While we have your business risk covered, in a serious event what you value most could also be at risk – you, your family and your livelihood. Life Solutions is a unique and comprehensive insurance that will pay a sum of money to you or your beneficiaries if you were to pass away, suffer a serious illness, lose your job or be unable to work due to illness or injury. Properly structured life cover is the most important financial asset your family can own, giving you the peace of mind of knowing that you and your family are covered. Austbrokers Life Solutions is Austbrokers AEI’s’ new type of multi cover life insurance that offers a range of options to help to look after you in these unforeseen and unfortunate circumstances. As your insurance broker of choice, you can be confident that it is comprehensive and market leading. It’s backed by us, and Suncorp, so click the link below to find out how you can protect yourself and your loved ones.

Find out how and start protecting you and your loved ones today by clicking here or speaking with us directly.

 

Business Insurance

The most common form of Insurance, providing Small and Medium size Business & Property Owners with a comprehensive range of cover incorporated under the one policy. Sections include but are not limited to: Fire & Perils, Business Interruption, Burglary, Money, Glass, Public & Products Liability, Machinery Breakdown.

Industrial Special Risks

The Industrial Special Risks Policy or more commonly known as ISR provides an ‘all risk’ style policy for larger companies with asset values generally exceeding $5million in value. Policy can be tailored to suit individual requirements and combine both the Property and Business Interruption Sections. It provides a streamlined approach particularly with businesses that have multiple locations.

Motor Vehicle Fleet

Provides a streamlined and simple approach for companies with a large number of vehicles. Policies can be tailored to suit the individual requirements and by placing all vehicles under the one fleet policy the premium savings can be significant. The Motor Fleet policy provides a generous list of additional benefits such as Lease Payout Protection, No Age Restrictions on Drivers & Faultless Excess Conditions.

Mobile Plant & Machinery

Provides protection for Loss or Damage to mobile plant & machinery items such as Bob Cats, Skid Steer Loaders, Forklifts, Rail Tamping Machinery and the like.

Public & Products Liability

A necessity for anyone or any company operating a business. Provides coverage for Personal Injury and / or Property Damage caused by or in connection with your Business and Products as a result of your negligence. Limits can be tailored to suit individual business requirements but generally would be a minimum of $10,000,000 up to larger more complex risks requiring $250,000,000. Excess Liability and Umbrella Liability solutions can also be tailored to suit business requirements.

Management Liability

Provides protection for the Directors and Officers, and the Company itself against the many exposures relating to the management of a company. Cover includes but is not limited to, Alleged Wrongful Acts by the company or individual, Sexual Harassment, Unfair Dismissal, Crime (Fraud / Embezzlement), Statutory Liability and Tax Investigation.

Professional Indemnity

Provides protection against a breach of a company or individuals professional business practice. Unlike the Public / Products Liability coverage which provides for Bodily Injury and/or Property Damage, the Professional Indemnity coverage is designed to protect business against financial losses that they cause to a third party. Any business or individual who provides a fee for their services should hold a policy.

Marine Cargo Insurance

Provides cover for loss of or damage to goods that are being shipped from or to overseas destinations or inland within Australia.

Construction and Liability Insurance

Also known as Contract Works Insurance, provides comprehensive coverage for the Builder against Loss or Damage to the Building works during the construction phase, as well as their Legal Liability. Policy types range from a single project (ie Owner/ Builder) to the larger building companies that require an annual policy covering all contracts. Policy provides coverage against losses such as Fire , Malicious Damage, as well as Theft from the site.

Corporate Travel Insurance

For companies that engage in travel both within Australia and Overseas, the Corporate Travel policy provides broad coverage against losses such as Medical & Hospital Costs, Personal Liability, Hire Car Excess, Missed Transport Connections, Kidnapping, Hijack and Ransom. Policy is also designed to incorporate Private Leisure Travel for Directors and Senior Management positions such as CEO’s, CFO’s as well as any accompanying Spouses / Partners and Dependent Children.

Cyber Liability

With the ever increasing threat of a data breach, cyber liability insurance is no longer a luxury, but an integral part of your daily business. Cyber liability insurance can protect your business from threats such as hackers and a host of other threats that can leave a lasting impact on your business. It’s important to learn what threats you are facing and how to mitigate that risk.

Workers Compensation

A legislated requirement for any company operating within Australia and sole traders/partnerships who employ persons within their business. Provides coverage for employees who sustain injuries within the workplace. With a dedicated Workers Compensation department AEI can assist no matter what state you operate your business within.

Commercial Strata Insurance

Commercial Strata Insurance is designed to protect the specific insurance needs of commercial strata title properties, not always catered for under a standard commercial property insurance policy. Key features include Property Cover (Building and Common Area Contents), Public Liability, Office Bearers Liability, Voluntary Workers Personal Accident, Machinery Breakdown.

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North Sydney: 1300 695 840
Liverpool: (02) 9601 1000