Coverages: Contents

CHU's Contents Insurance for Strata offers comprehensive coverage for residents of apartments, units, villas, and townhouses, safeguarding personal belongings like clothing, electronics, furniture, and jewellery against risks such as theft, accidental or malicious damage, water damage, fire, and storms. The policy also includes legal liability protection, ensuring financial security in unforeseen circumstances.

Coverages: Strata - Commercial

A Commercial Strata Plan pertains to strata-titled properties primarily used for commercial purposes, such as office buildings, shopping centres, or industrial estates. In Australia, legislation mandates that these properties maintain strata insurance to cover common areas like driveways, lifts, and stairwells against damage or destruction. Additionally, this insurance provides liability coverage for personal injuries related to the insured property.

Coverages: Strata - Residential

A Residential Strata Plan involves properties like apartments, units, villas, and townhouses where multiple owners share ownership of common areas such as driveways, lifts, and pools. In Australia, legislation typically requires these properties to maintain strata insurance, covering common property against events like theft, storms, water damage, fire, and accidental or malicious damage. Additionally, this insurance provides liability coverage for personal injuries related to the insured property. 

Coverages: General Liability | Product Liability | Public Liability

ProRisk’s Public and Products Liability is an essential insurance product for Australian small businesses. Also referred to as Broadform Liability or General Liability, it provides coverage for personal injury or property damage and helps protect your legal liability to third parties in the operation of your business.

Coverages: Commercial General Liability

Woodina's General Liability Insurance safeguards businesses against legal liabilities, including defense costs, arising from third-party injuries or property damage during service provision. Coverage extends to incidents occurring both on business premises and external locations. Product Liability is typically included, covering claims from bodily injury or property damage due to product failures. This comprehensive policy ensures businesses operate confidently, protected against unforeseen liabilities. 

Coverages: Public Liability

FTA Insurance's stand-alone Public and Products Liability (PPL) insurance safeguards businesses against third-party compensation claims arising from personal accidents, injuries, property damage, and advertising injury linked to their operations, including manufactured or supplied products. Offering coverage limits up to $20 million, this policy caters to various industries such as manufacturing, labour hire, retail, property ownership, and agriculture. Notably, sectors like nightclubs, security companies, and underground mining are excluded.

Coverages: Product Liability | Public Liability

Keystone's Excess Public and Products Liability insurance provides additional coverage beyond primary liability policies, addressing claims for personal injury or property damage linked to business operations or products. This excess coverage ensures businesses are protected against substantial liabilities that exceed their primary policy limits. Key benefits include the ability to package with other products, individual or scheme-based quotes, and a wide range of automatic and optional extensions.

Coverages: Product Liability | Public Liability

Keystone's Public and Products Liability insurance safeguards businesses against claims for personal injury or property damage arising from their operations or products. It offers occurrence-based coverage with limits up to $20,000,000. Key benefits include the ability to package with other products, individual or scheme-based quotes, and a wide range of automatic and optional extensions. Preferred occupations range from accountants and architects to engineers and event coordinators.

Coverages: Management Liability | Professional Indemnity

FTA Insurance's Management Liability Insurance safeguards companies and their directors against wrongful acts in management, covering damages, defense costs, investigations, and civil fines. Tailored for white-collar industries, it offers limits up to $10 million, flexible sub-limits, sustainable pricing, and market-competitive coverage. Preferred sectors include professionals, educational organizations, IT firms, and media entities, while industries like financial institutions, construction, and agriculture are excluded.

Coverages: War and Terrorism

CFC’s Active Assailant insurance provides comprehensive coverage for businesses facing threats from armed attacks, including firearms, vehicles, or explosive devices. It covers property damage, business interruption, and crisis response costs. With access to specialist support teams, the policy helps organizations respond swiftly to traumatic events, protect employees and customers, and recover faster from violent incidents in today’s unpredictable security landscape.