Fire Service Credit Union Business Insurance

Small Business Advantage Pack

Protect the operations, assets and individuals within your business with our wide range of tailorable cover options for small- to medium-sized enterprises. Benefits include:

  • Cover for Public and Products Liability within      Australia
  • Get a quote and purchase your insurance cover online
  • Quick and easy claims process
  • Pay by the month.^

Trades and Services Pack

Enjoy the peace of mind of knowing your business is protected by Public and Products Liability, General Property, Personal Accident and Sickness and Commercial Motor cover. It also offers:

  • Quick and easy claims process
  • Pay by the month.^

Office Pack

Keep your people covered with a policy designed with office-based professionals in mind. The Office Pack can easily be tailored to your business, and features:

  • Quick and easy claims process
  • Pay by the month.^

^ Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding, and financial institution transaction fees may apply.

Farm Pack

Benefit from the flexibility of a broad range of farming insurance, with the choice of a number of different cover options, to help protect your farming business, including:

  • Accidental Damage cover for homestead, contents and personal effects
    • Incidental farm contracting covered up to the lesser of 10% of turnover or $100,000
    • Farm fencing coverage on sum insured or first loss basis
    • Comprehensive coverage for Pleasurecraft.

Commercial Motor

Keep your fleet on the road with cover for up to 20 business vehicles. Commercial Motor cover has been designed to include protection for a wide selection of vehicles. It also offers:

  • Additional accessories cover of up to $5,000
  • Waiver of basic excess for windscreen claims for all vehicles up to 2 tonnes
  • Third-party property damage cover up to $30,000,000.

Why choose Business Insurance?

You work hard for your business. Our Business Insurance works hard to protect your business, offering a range of cover across theft, property damage, business interruption and public liability.

What do the various policies cover business for?

Public and Products Liability - Covers you for amounts you’re legally liable to pay as compensation for personal injury and/or property damage, within the territorial limit, as a result of an occurrence in connection with your business, up to the limit of indemnity.

Business Interruption - Covers you for consequential loss resulting from interruption of, or interference with, the business caused by an insured event.

Material Damage - Covers you for damage to property insured at your situation caused by any sudden, unexpected or unforeseen occurrence which is not otherwise excluded. Property insured includes:

  • Buildings
  • Contents and Stock

There are a number of automatic benefits, as well as the option for flood cover.

Personal Accident and Sickness - Provides payment of:

  • A set percentage of the capital sum insured, if the person insured suffers an injury resulting in a benefit; or,
  • A weekly benefit for temporary, total disablement as a result of an insured injury, or a temporary, partial disablement as a result of an insured injury or illness.

Other cover benefits

Theft - Covers loss of, or damage to, property insured (for example, contents, stock and customers’ goods) at the situation due to a defined event relating to theft.  

Money - Cover against certain loss of, or damage to, money (for example, cheques, credit cards, vouchers, cab charges) and provides a number of additional benefits.

General property - Cover for damage to property insured caused by any sudden, unexpected or unforeseen occurrence that is not otherwise excluded.    

Glass - Cover for accidental breakage of fixed glass at the situation and includes replacement and/or temporary security to protect your situation.

Machinery Breakdown - Covers the costs of repairing or replacing machinery after a breakdown.

Electronic Equipment - Covers damage to insured computers and/or electronic equipment specified on your policy.

Management Liability

  1. Directors’ and Officers’ Liability - Covers any of your directors and officers against a breach of duty, breach of trust, an act, error or omission for a claim that is first made and reported to us during the period of insurance.
  2. Employment Practices Liability - Covers the business for claims made against you for a specific employment practices breach, such as discrimination, wrongful dismissal or sexual harassment.

  3. Tax Audit - Covers the professional fees, such as an accountant, reasonably and necessarily incurred within Australia in connection with an audit of your business's financial or tax affairs by an Australian statutory authority.
  4. Crime - Covers the loss of property due to the unlawful taking of property by an employee, with the intent to cause loss to your business, or to benefit themselves or any other person or organisation.

Transit - Covers your business for damage to property insured while in transit anywhere in Australia.

Professional Indemnity - Covers your business, and any insured person, against civil liability for damages arising from the provision of, or failure to provide, Professional Services.

Commercial Motor - Covers your business vehicles with multiple cover options, including comprehensive, fire and theft, and third-party property damage only.

 
How to make a claim

If you need to make a claim, call us on 8227 2222 and we’ll arrange for a friendly Allianz consultant to take you through the claims process.

 

 

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More Information

Call us on 8227 2222 for a quote