Question 1

What does Comprehensive Commercial Motor Insurance cover?

Accepted Answer

Commercial Motor Insurance can vary between policies and insurers. A typical comprehensive policy will cover the cost of repairing or replacing your vehicle if damaged or stolen; and third-party property if damaged by your vehicle. There are often additional benefits built in to policies such as cover for vehicle signage, stolen tools of trade and a hire car allowance. An insurance broker can help

Question 2

How many vehicles can be insured under a Motor Fleet Policy?

Accepted Answer

Typically there will be no limit to how many commercial vehicles you can insure under a Motor Fleet policy. However, 15 is often the minimum number of vehicles required to take out this insurance. Commercial Motor Insurance can be used to cover smaller fleets, and this can also be included in a Business Insurance package.

Question 3

What professions can benefit from Professional Indemnity Insurance?

Accepted Answer

Basically, if your business offers professional advice or services to clients, Professional Indemnity Insurance can be of benefit. This includes:  Architects & engineers, Doctors & other medical practitioner, Lawyers, Accountants & book keepers, Wedding planners & celebrants, Copy writers & editors, Graphic designers & photographers, Travel agents, Funeral directors and many more.

Question 4

Does Tradies Insurance cover my employees?

Accepted Answer

Depending on the policy you take out, typically your employees will be covered for certain events under Tradies Insurance. However, Tradies Insurance is different to a work cover policy which can cover employees when they are injured at work – it’s important to bear this in mind!

Question 5

Does Tradies Insurance cover me for work that is not related to my occupation?

Accepted Answer

Typically when you take out Tradies Insurance policies, you’ll need to advise your insurer of your occupation, usual work activities and more in-depth information. This will enable them to assess your risk level and price the policy accordingly. Any work activities that are not disclosed to the insurer, usually won’t be covered under their policy.

Question 6

Why should I consider Business Insurance?

Accepted Answer

Business Insurance can be important for businesses to protect against specific forms of financial risk associated with the day-to-day operations. Without appropriate Business Insurance your business may be susceptible to financial claims from clients, employees or other entities that if not appropriately covered, could financially cripple your business.

Question 7

Am I covered under Plant & Equipment Insurance if my on-site machinery get stolen overnight?

Accepted Answer

Each Plant & Equipment policy will have its own inclusions stipulated this can vary from policy to policy. However, typically if your machinery such as an excavator has been properly secured overnight then you will be covered if it’s stolen or damaged. Talk to our brokers today to find the right insurance for you with the inclusions you deem important to your business & operational demands.

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