The Product Disclosure Statement and Policy Booklet (PDS) contains the terms and conditions of our Business Insurance policy. Download the policy booklet.
HOME BASED BUSINESS
Need help protecting your home based business? Find out how.We understand what makes the Motor Trade industry keep ticking over. That’s why we’ve designed our business insurance policies so you can choose the cover options that fit your business. Our Business Insurance Specialists offer industry know-how and real help in finding a package that’s got everything you need, and nothing you don’t. By choosing the right business insurance at the right price, you can relax and get back to what you’re good at – running a business
Motor vehicle insurance cover
We’ll insure motor vehicles you’ve specified in your policy, as well as unspecified and customers vehicles, against accident, fire or theft at (or away) from your premises. We’ll cover you for legal liability to a third party for property damage and in some cases personal injury. You can also include options to extend cover for hail, burglary or theft of motor vehicles at the premises as well as protection for your customers vehicles whilst at your premises.
Fire, storm, malicious damage and other defined events
Although you’ll be covered for damage to your buildings, contents, and stock in trade, we’ve also included automatic accidental damage cover for up to $250,000. Additional benefits include things like tools and the personal property of your directors and employees.
Burglary
We cover both stock and contents from a burglary at your premises. In addition, we’ll replace vehicle keys and remotes if any of these are stolen from your key safe.
Public liability insurance
This covers you for any Personal Injury and Property Damage that occurs in connection with your business. So if someone is injured in your workshop or you accidently cause damage to their property, you’re covered. This cover also has optional add-ons to extend your liability, covering things like; Rectifying Faulty Work, Vehicle Inspection and Evaluations, Property Damage to Vehicles and Watercraft in your physical or legal control, damage to Vehicles sold, and contractors or subcontractors liability.
This covers you for any Personal Injury and Property Damage that occurs in connection with your business. So if someone is injured in your workshop or you accidently cause damage to their property, you’re covered. This cover also has optional add-ons to extend your liability, covering things like; Rectifying Faulty Work, Vehicle Inspection and Evaluations, Property Damage to Vehicles and Watercraft in your physical or legal control, damage to Vehicles sold, and contractors or subcontractors liability.
Money (including transit)
You’re covered for loss, destruction, or damage to money and any other ‘negotiable instruments’ (eg: credit card vouchers). Add-on options include cover for cash held on the premises during or after business hours, in a locked safe, a strongroom, at a private residence, or while in transit. Plus automatic cover for up to $1,000 for theft of money by your employees.
You’re covered for loss, destruction, or damage to money and any other ‘negotiable instruments’ (eg: credit card vouchers). Add-on options include cover for cash held on the premises during or after business hours, in a locked safe, a strongroom, at a private residence, or while in transit. Plus automatic cover for up to $1,000 for theft of money by your employees.
Glass breakage
Apart from breakage of glass, our cover also includes up to $10,000 for the replacement of signwriting and temporary shuttering. Glass cover also extends to advertising signs, skylights and fixed mirrors.
Apart from breakage of glass, our cover also includes up to $10,000 for the replacement of signwriting and temporary shuttering. Glass cover also extends to advertising signs, skylights and fixed mirrors.
Business interruption
If your business is disrupted as a result of specified damage to your business property, we’ll ensure your profits are protected. This cover also protects your business from damage to property at a suppliers or customers premises which then results in an interruption to your business.
Professional indemnity insurance
This covers you for civil claims made against your business by any third party, arising from an act, error or omission. This cover is perfect for Motor Dealers who provide things like finance, insurance, statutory registration or fleet management services. Talk to us to ensure you get exactly the right cover for your business.
Personal accident and illness insurance
This covers you, or a nominated person, for loss of income as a result of a defined injury or illness. This option is useful for sole traders or partnerships that need both partners working. You’ll benefit with up to 104 weeks of support. Pay a little extra and you can extend your cover to include injury from sporting activities or motor cycling.
Electronic equipment
This covers you for the physical loss, destruction, damage or breakdown of electronic equipment, while at use on your business premises, or while it is being transported away from the premises for the purpose of repair, alteration or modification. You can also extend this cover to include portable equipment when away from your premises, including in transit anywhere in Australia.
This covers you for the physical loss, destruction, damage or breakdown of electronic equipment, while at use on your business premises, or while it is being transported away from the premises for the purpose of repair, alteration or modification. You can also extend this cover to include portable equipment when away from your premises, including in transit anywhere in Australia.
Machinery breakdown
We cover you for breakdown of a machine, a boiler explosion or the collapse of a boiler or pressure vessel. So you can keep your business running, it includes hire of temporary equipment up to $5,000 following loss or damage. Options include blanket (all-in-one) or specified cover.
General property cover
This broad-based cover includes stock in trade, tools of trade, plant and equipment and other contents that you own, as well as goods for which you are legally responsible. We’ll also insure you for loss, destruction or damage to property while in transit, as a result of fire, flood, earthquake, explosion, impact, collision, overturning of the vehicle carrying the property, or as a result of theft from a locked vehicle.
Fraud or dishonesty
We insure you against loss of money or tangible property belonging to you (or for which you are legally responsibly), caused by an identified employee or group of employees to commit a dishonest or fraudulent act.
Tax audit
Covers you for the cost of professional fees incurred as a result of a tax audit or an investigation by the Australian Taxation Office. This cover can also extend to salary or wage earners.
Workers compensation
Workers Compensation is a specialist area of insurance and SGIO does not offer it. However, another business in the Insurance Australia Group, CGU Workers Compensation, can help you with your workers compensation needs. Read more about CGU Workers Compensation or call 1300 307 952.
Domestic House and Contents insurance
You are covered for damage to your home building and contents for fire and other defined events including theft or burglary, glass breakage and fusion. Covers your legal liability for death, personal injury or property damage for up to $20m. We also cover your home contents whilst temporarily removed and while in transit. Add-on options include accidental damage and cover for special items of personal property anywhere in Australia and New Zealand, and for up to 90 days internationally.
Watercraft
Watercraft covers things like boats, yachts and Jet skis, for example. You can cover specified, unspecified and customers watercraft against fire or burglary at your premises, with add-on options that will cover watercraft while away from the premises for demonstration or testing. Watercraft liability also protects you for personal injury or property damage arising out of the use of the watercraft.
Call us on 132 818 to request a quote or to discuss your needs with a Business Insurance Specialist.
Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as SGIO. When making decisions about the product you should consider the Product Disclosure Statement available from SGIO.