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: 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: Representations and Warranties

CFC’s Transaction Liability – Seller Protect insurance is designed to shield sellers from financial loss due to warranty breaches after a business sale. It covers legal costs, damages, and defense expenses, offering peace of mind and a cleaner exit. Ideal for individuals or businesses with limited recourse, this policy ensures sellers retain more proceeds and reduces post-transaction risk exposure.

Coverages: Representations and Warranties

CFC’s Secondary Liquidity Solutions insurance supports private equity firms and investors during secondary transactions by protecting against unknown liabilities in legacy portfolios. It offers coverage for tax, legal, and regulatory risks, enabling cleaner exits and smoother capital returns. Tailored for complex deals, this policy enhances transaction certainty, safeguards investor interests, and supports strategic portfolio management in an evolving secondary market landscape.

Coverages: Representations and Warranties

CFC’s Transaction Liability – Buyer Protect insurance is designed to provide buyers of small businesses with peace of mind during and after the transaction, providing cover for up to 100% of enterprise value (EV). It covers for financial loss arising from a breach of or inaccuracy in the warranties given by the seller or on their behalf, where there is evidence that the seller had knowledge of the breach.

Coverages: Intellectual Property

Licensing Agreement Liability insurance from CFC protects businesses entering licensing deals from legal and financial risks arising from breaches or disputes. It covers defense costs, damages, and contractual liabilities linked to intellectual property use. Ideal for licensors and licensees, this policy ensures smoother collaborations by safeguarding against costly litigation and helping maintain strong commercial relationships in competitive, IP-driven industries.

Coverages: Intellectual Property

CFC's Intellectual Property Private Enterprise (IPPE) insurance is tailored for startups and SMEs, providing comprehensive protection for patents, trademarks, copyrights, and other IP assets. Key features include defense against infringement claims, pursuit of infringers, coverage for invalidation challenges, trademark oppositions, IP title pursuit and disputes, loss of IP rights, and loss of future profits.