As a business owner you should consider the following covers;
Property
This covers damage to buildings, contents and stock caused by fire, perils and accidental damage.
Business interruption
The interruption to trading following a fire or other insured event can often have more serious financial implications for your business than the actual damage itself. Business interruption covers the shortfall in your gross profit caused by the interruption to your business after an insured loss.
Theft and money
This covers theft of business contents or stock, or theft of money.
Glass
This covers breakage of internal and external glass and signs.
Liability
This covers your legal liability to pay compensation for personal injury or property damage.
Machinery breakdown
This covers damage to machinery caused by breakdown or damage to boilers and pressure equipment caused by explosion and collapse. Refrigerated or frozen goods can also be covered against deterioration.
Computers and electronic equipment
This covers fire, theft, accidental damage, breakdown and business interruption cover for computers and electronic equipment.
Employee dishonesty
This covers fraud or dishonesty by your employees.
General property
This cover is primarily designed for property (excluding stock) which is moved around, such as tools or professional equipment.
Tax investigation
This covers costs incurred by your accountant or registered tax agent (after receiving notification from the Australian Tax Office) in conducting an audit or investigation in relation to your liability to pay tax.
Note: This is a general description of cover only – contact us for a PDS.
Contact Matrix Insurance today to speak with a Perth alcohol / liquor insurance broker
