Coverages: Accident and Sickness

Keystone's Accident and Sickness insurance offers comprehensive coverage for individuals and organisations. Key benefits feature flexible packaging, tailored quotes, 24/7 coverage whilst travelling, Unlimited Medical Cover (up to 24 months), Private Travel for Executives, Emergency Medical Evacuation, Cancellation Costs, Loss of Deposits, Local Underwriters and caring Claims team.

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: Accident and Sickness | Accidental Death and Disability

Covering a broad range of occupations, AHI’s Individual Personal Accident and Sickness insurance provides coverage for individuals, sole traders and business owners against financial loss due to accidents or illnesses. Appealing to a large market, with micro-businesses accounting for over 85%* of all Australian companies, and those enterprises looking for additional coverage outside of Group Personal Accident and Sickness for key operational individuals.

Features: 24/7 worldwide protection; Lump-sum payments; Weekly benefits; Home and Vehicle modification; Partner Training benefit; Funeral Expenses; business expenses

Coverages: Accident and Sickness | Accidental Death and Disability

AHI's Group Personal Accident and Sickness insurance is designed to support both people and operations, providing protection beyond duty of care and strengthening organisational resilience while also safeguarding businesses and their employees against financial losses due to accidental injury, illness, disablement, or death.

Features: Specific hours or 24-hour worldwide coverage; Lump-sum payments; Weekly benefits if an accident or illness prevents a return to work.
This coverage can be extended to industry associations and membership organisations, ensuring protection for various groups.

Coverages: Travel

AHI’s national specialty underwriters and in-house claims team provide coverage and support for businesses and employees, helping manage the risks and their financial impact during work-related travel, both domestically and internationally. With AHI Assist, our 24/7 incident response team operating under one Tokio Marine Group, we offer businesses of all sizes and risk profiles security and confidence when expanding into new markets or strengthening global presence.

Features: In-house client-facing claims team; AHI Assist 24/7 travel, medical and safety assistance; AHI Assist App and digital contact cards; Associated leisure travel.

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: Legal Expenses

Legal Expenses insurance provides coverage for unforeseen legal issues not typically included in standard insurance policies. It encompasses areas such as commercial contract disputes, criminal prosecutions, employment disagreements, property conflicts, data protection matters, statutory license issues, breaches of restrictive covenants by employees, and Australian Taxation Office (ATO) investigations. This insurance offers flexibility with individual quotes or scheme solutions and coverage limits up to $200,000, ensuring businesses are protected against a wide array of legal challenges.

Coverages: Cyber

Keystone's Cyber Liability insurance provides comprehensive coverage against cyber threats, including data breaches, business interruptions, and remediation expenses. The policy encompasses protections such as computer system security failure, cyber business interruption costs, cyber claim defence costs, cyber emergency services, cyber extortion events, data breaches, media claim defence costs, and regulatory investigations. Key benefits include the ability to package with other products, offering individual or scheme-based quotes, and coverage limits up to $500,000.

Coverages: Public Liability

Amazon Underwriting’s Homebiz Public and Products Liability Insurance is designed for home-based businesses, offering protection against third-party injury and property damage claims. With flexible cover tailored to over 90 occupations, it includes limits up to $20 million and automatic inclusion of care, custody, and control up to $100,000 $100,000. This policy ensures home business operators are protected with peace of mind with comprehensive liability coverage. This policy can be purchased stand alone or together with Amazon’s HomeBiz Property, providing a tailored insurance package.