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: Property Damage

Australasia Underwriting offers Renewable Energy Insurance, providing tailored property underwriting solutions for renewable energy assets during development, construction, and operation. They insure projects including onshore wind, solar (photovoltaic and thermal), biomass, and biofuel production including battery energy storage systems (BESS) . With expertise in community energy projects they can provide solutions with capacity extending to $100m, they ensure comprehensive protection for the renewable energy sector.

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: Inpatriate Medical | Travel

In a competitive global marketplace, you want to attract the best available workers, regardless of nationality. Access to Australia’s medical infrastructure may help secure the right people to fill the skills gaps for domestic operations. An alternative to private health cover for international workers here in Australia.

Features: Medical, hospital, and ambulance expenses; Routine dental and optical care; Routine and emergency maternity and newborn child expenses.

Coverages: Bodily Injury | Overseas Medical

AHI’s national specialty underwriters and in-house claims team provide primary coverage and support for routine and emergency medical treatment, bridging the gap for employees on international assignments. From major cities to remote locations, AHI is committed to helping protect the financial health of organisations, while supporting the wellbeing of their people.

Features: Hospital benefits; Emergency medical evacuations; Out-patient medical expenses; Medical extras (routine dental, optical and medical); Pregnancy; AHI Assist 24/7 medical incident response; In-house claims team.

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: Accident and Sickness

Keystone's Journey Accident Insurance provides coverage for employees against accidental death or injury sustained while traveling directly between their residence and workplace, or during work-related travel. Key benefits include flexible packaging with other products, tailored quotes or scheme solutions, coverage limits up to $250,000 for accidental death, weekly benefits up to $2,000 for accident or sickness, and a variety of automatic and optional extensions.

Coverages: Accident and Sickness

Keystone's Personal Accident and Sickness Insurance provides financial protection against loss of earnings due to bodily injury, sickness, accidental death and permanent disablement. Key benefits include the ability to package with other products, individual quotes or scheme solutions, limits up to $250,000 for accidental death, weekly benefits up to $2,500, and a wide range of automatic and optional extensions.