Designed for Charities and Not for Profit Organisations, this Policy covers the risks the organisation faces from incidents arising out of the Office Bearers’ actions, which cause third party financial loss, personal injury or property damage. It indemnifies the Office Bearers and the Organization itself.

This Policy covers the risks that accrue to transporters of other peoples’ property, in the case that you damage their property whilst carrying, loading or unloading their goods. It includes cover whilst the goods are in your possession in incidental storage.

This covers the risks of ‘physical loss or damage to property’ undergoing construction or alteration. Cover applies during construction and maintenance period, and even extended to when there is a partial handover of works.

Additional sub-limits are included in the Policy to cover the costs of Removal of Debris, Professional Fees, Expediting Expenses and mitigation costs. Common extensions to the cover include Construction Plant & Equipment, Temporary Buildings, scaffolding, hoardings and formwork, damage to materials in transit and/or temporary storage of materials.

Can be purchased as an additional section under a Construction (Contract Works) Policy, or as a separate stand alone Policy. Construction Liability Insurance covers personal injury or property damage to third parties at the building site, and can include cover for vibration and weakening of support to neighbouring buildings.

This is the risk to the business for the loss or damage to Plant & Equipment and third-party property damage, whilst the equipment is being used as a tool of trade. Cover can also be included for ‘hire’ of replacement plant & equipment following a claim, to mitigate any financial losses to the business.

This provides protection to the business and employees whilst traveling for business purposes. These costs can include Loss of Baggage, Loss of Deposits, Overseas Medical Expenses, Repatriations costs, Hire Car Excess Charges, etc.

This is the risk to the business for loss use of your computer systems through malicious attack, computer virus, extortion, malware or the like. Costs can include Computer System Restoration, Extortion costs, Public Relations expenses. Cover can include liability to third parties as a result of a cyber event including breach of their privacy and financial losses.

Covers your liability to third parties as businesses managers, for such things as Employment Practice Liabilities for wrongful dismissal or discrimination, Statutory Liabilities for breaches of Corporations Law, breaches of Fair trading law etc

Provides cover for Directors and Officers for their legal liability for alleged wrongful acts committed, whilst acting in their capacity as a Director or Officer. It also offers Company Reimbursement that provides reimbursement of payments that the company is legally obliged to make, in indemnifying company officers for claims made against them. Coverage can extend to defence costs arising out of criminal and regulatory investigations/trials as well; in fact, often civil and criminal actions are brought against directors/officers simultaneously.

Covers the risk to the business for loss of or damage to property, generally stock, that is lost or damaged during transit from one location to another. This could be for ex-warehouse purchases or for the transport of finished goods to the customer.

Covers the risk to the business for loss of or damage to property, generally stock, that is lost or damaged during Import and/or Exports, or from one location to another, and can include overland anywhere in the world. The Policy can also include local transits within Australia.

Covers nominated Registered and Unregistered Plant & Equipment, against loss or damage, anywhere in Australia including road risk liability for registered plant. Can be extended to include Public Liability risks arising out of use.

This is the risk to the business for the loss or damage to motor vehicles and third-party property damage for vehicles owned by the business, or primarily used for business purposes.

This is the risk of not being able to generate income to the business and yourself if you are unable to work due to injury or illness. The costs covered include ongoing business expenses and the business owners’ income.

Appropriate for businesses that provide Professional Advice or Services for a fee, this Policy covers your legal liability for financial loss allegedly suffered by third parties, as a result of their reliance upon your professional advice or services.

Is designed for Commercial buildings under a strata scheme. It can provide cover for the building and common contents, machinery breakdown, electronic equipment, voluntary workers accident only, fidelity guarantee, office bearers and legal liability.

Residential Strata Insurance is designed for residential buildings under strata, group, body corporate or community title. It can provide cover for the building, common contents, legal liability, office bearers, voluntary workers and machinery breakdown.

Covers the financial risks to the business when providing credit terms to customers. Specifically risks is to the business Accounts Receivable due to credit risks such as protracted default, insolvency or bankruptcy of the customer.

Is a compulsory statutory form of insurance requited to be held by all employers in every state and territory in Australia and provides protection to workers if they suffer a work-related injury or disease.

Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers compensation insurance that covers all workers.

Each state or territory has its own workers’ compensation scheme, run by independent regulators, with rules differing slightly between each jurisdiction. Your Coasture Broker can assist you to arrange your Workers Compensation cover no matter where you are in Australia.