Protecting business assets is paramount.
In recent times,
these assets have become increasingly complex to manage and cover. New
technologies, changing environments, increasingly sophisticated thefts and the
increasing cost of assets are just some of the considerations for property and
asset risks.
Austral will help
you identify your risk exposures, develop risk strategies, and then ensure you
have competitive coverage for the assets that require insurance.
Following are some
of the property and asset risks that are important to consider for your
company.
Business Insurance Packs
A business pack bundles the business insurance requirements
of SME’s. It can be a useful and cost effective way to insure your business and
will cover your assets and liabilities in one policy. This would typically
include:
- Business Property
- Theft
- Business Interruption
- Liability
Speak to our Austral team to determine if this could be the
right solution for you.
Aircraft
Protection of assets such as aircraft is very specific.
Insurance cover for loss or damage to the craft is critical. It’s also vital to
cover any loss or damage that may occur to others as a result of operating your
aircraft.
Specific insurances are required for the many types of
businesses that operate commercial aircraft such as tourism, surveying, farming
and mining.
Speak to our Austral team to secure the right insurance
cover for your operations.
Construction
Construction of a building or asset is complex and can
attract many risks. Knowing that your asset is properly protected during the
construction and maintenance stages is paramount.
Protect for loss, destruction or damage to the site, and
insure all the materials that will be employed on the site.
Austral works with many businesses, large and small, to
protect them in developing these specific assets. Determine what is the correct
cover for your next construction project with one of our experienced Austral
team.
Crop
Although we can’t help with the rainfall, we can reduce some
of the stress and worry for farming and growing with cover for loss or damage
to your crops as a result of things such as storms, hail and fire.
Talk to Austral about the crop cover that is right for you.
Farm Insurance and Agriculture Packs
Austral has been providing quality advice to small and large
businesses in farming for many years.
We have 25 years’ experience working with farmers,
horticulturists, viticulturists and hobby farmers. Our team works hard to
understand the variety of risks and issues that affect your business and how
best to manage this from an insurance perspective.
Farm packs can be an efficient way to buy insurance for your
business. It can cover:
- Domestic Property
- Farm Property
- Farm Machinery
- Vehicles
- Fencing and Trees
- Stock and Working Dogs
- Grain and Hay
- Theft
- Personal Income
- Business Interruption
- Liability
Talk to Austral about the right business insurance cover for
your farming operations.
General Property Insurance
Austral will advise extra cover for your business that will
cover damage or loss to specified property that is not covered in your property
policy.
Laptops, tablets, mobile phones and tools are all good
examples of property that when lost, damaged or stolen, may become a
considerable expense to a company with many employees.
Identifying and correctly managing these items and obtaining
the right business insurance cover is important to guard against unnecessary
costs.
We work with you to identify your general property
requirements and are here to help. Speak to Austral.
Industrial Special Risks (ISR)
This embracive policy typically protects the insured against
losses involving assets and business interruption arising from physical loss or
damage to the property used in the business. This type of insurance is
generally for business with a larger asset base i.e. a company with a few
locations and assets over $5million. for more information click industrial special risk.
Talk to Austral about how this would apply in your business.
Machinery Breakdown Insurance
Sudden and unforeseen mechanical or electrical breakdown of
plant and machinery can mean millions of dollars lost.
No matter what your industry, machinery breakdown needs to
be protected against so that any business interruption and consequential loss
does not leave a massive hole in your balance sheet.
Understand machinery breakdown risks in your business. We’re
here to help.
Marine Insurance
For all your commercial marine insurance, Austral has you
covered.
Loss of ships and loss of goods in transit are a few
examples of marine insurance cover - and not just at sea. Do you know your
responsibilities as a shipper, ship owner, charterer, consignee or contractor?
Let Austral guide you on the right type of marine insurance cover for your business.
Mobile Plant
If your business has considerable investment in plant that
is mobile, you will need specialised mobile plant insurance. Specialist trucks,
bulldozers, mobile crushers and cranes are just a few examples of highly
expensive mobile plant.
Austral will help illuminate the risks that surround your
mobile plant – some more obvious than others. Once identified, we work with you
to protect these critical assets.
Speak to Austral’s business team about your mobile plant
risk and insurance.
Motor Vehicles
Austral is a specialist in all transport insurance.
Understanding the needs and requirements of your vehicle
fleet, we can offer comprehensive and competitive insurance solutions and
advice to keep your vehicles on the road and your employees happy. Talk to us
about comprehensive cover, third party cover and more.
Speak to one of our specialist advisors today.
Office Insurance
Office insurance bundles the insurance requirements of an
SME business operating in an office environment only. This can be an option to
cover your assets and liabilities in one policy and would include:
- Business Property
- Theft
- Business Interruption
- Liability
This could be a perfect solution for your business.