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    3. Business Insurance Packages

    Business Insurance Packages

    A Business Insurance Package is designed for companies or corporations requiring coverage to protect their business, contents or general property against loss, damage, theft, or machinery breakdown.

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  • Why is this cover important?

    A Business Insurance policy helps to protect those aspects of your business to which you value most and could not carry on your own. Business Insurance is not a “one size fits all” cover, we want to hear about your business, big or small, to determine what level of cover is required, and tailor a policy to suit your exact needs.

  • POLICY COVER CAN INCLUDE

    As a business owner there is nothing more important than having comprehensive business insurance as the risks increase. The policies available through Citycover can cover:

    • Fire / Flood or Material Damage

      Covers your Building and Contents/Equipment against losses due to Fire, Storm and tempest, Earthquake, and Malicious Acts. Cover is automatically extended to include Accidental Damage or Loss.

    • Building, Contents or General Property

      Damage to property (Building, Contents, and Stock etc.) caused by Fire and nominated perils.

    • Burglary / Theft

      Covers your property for loss after a break and enter.

    • Business Interruption

      In the event that an insurable loss causes you to cease trading, this cover can replace any lost income during a period of time. Other covers such as accountant’s fees can also be insured under this section.

    • Internal and External Glass

      This section covers breakage of fixed glass for its full replacement cost. Cover for Advertising signs is also included up to a designated limit.

    • Money

      Covers Loss or damage to cash, cheques, and negotiable instruments.

    • Machinery Breakdown

      Covers repair or replacement cost after a breakdown to your plant and equipment.

    • Electronic Equipment Breakdown

      Covers repair or replacement cost after a breakdown to your electronic equipment.

    • Public and Products Liability

      Covers your legal liability for any bodily injury and property damage arising out of the course of your business activities.

    • Tax Audit

      This covers the preparation expenses in the event the ATO conduct a tax audit on your business

    • Employment Practices Liability

      Covers you against employment related issues including sexual harassment, discrimination, and defamation in the workplace.

    • Business Vehicles

      Cover can be extended to include company owned vehicles if required.

  • Broader Protection & Additional Cover

    Some important and beneficial extensions of cover are as follows:

    • Temporary Removal of Contents

      Automatic cover for property while it is away from your standard place of business. Cover is included for 20% of your Contents sum insured for up to 90 days.

    • Temporary Protection & Watchmen

      Covers costs reasonably incurred by you to protect the property including the cost of temporary repairs, the hiring of watchmen or the removal of insured property to a place of safe storage pending the repair or reinstatement of your premises.

    • Business Interruption Extensions

      If this section is taken, cover is extended to cover interruption to your business from Public Utilities and your suppliers if they suffer a loss at their own premises.

  • Why Us?

    When you take out a tailored Business Insurance package, you will immediately have access to our expert claims team for personal service on claims, and our experienced brokers for advice on Risk Management.

      • Citycover is a member of Austbrokers, who are a part of AUB Group – the leading equity-based risk management, advice and solutions provider in Australia. One of the benefits afforded by the Austbrokers membership, is market enhanced policy wordings. This helps to ensure you have a high level of cover and benefits which you will not find in the direct market.
      • Citycover has many strong relationships in the market and we can rely on these to assist in obtaining favourable terms for you.

  • FAQs

    Frequently Asked Questions for Business Insurance.

    • What is a ‘Flood’?

      In June 2012, the Insurance Council of Australia and Federal Government agreed to adopt the below definition:-

      The definition of flood is:

      • The covering of normally dry land by water that has escaped or been released from the normal confines of:
      • Any lake, or any river, creek or other natural watercourse, whether or not altered or modified; or
      • Any reservoir, canal, or dam.

    • Can I pay my premiums by the month?

      Yes. All insurance offered by Citycover can be paid by the month through premium funders. If you chose to use the premium funder’s service, your monthly instalments will be tax deductible.

    • Is Flood cover automatic?

      No – most insurers do NOT offer Flood as an automatic cover. If you want this cover under your policy, please tell your Adviser.

    • What is “Underinsurance”?

      Also known as the “Average” or Co-Insurance” Clause, Underinsurance is the result of nominating a value for an asset which is too low to actually replace it in the event it is lost or damaged.

      Certain cover sections (Fire, Business Interruption – Income, and Electronic Equipment) contain the under-insurance clause. It is important to review the level of cover you have declared, as if the amount you have declared is too low, the insurer can apply a formula which limits their settlement to you for that loss. This can occur if you have declared less than 80% of the actual value of the risk/asset.

      Many businesses unknowingly under-insure as they apply heavy depreciation to their assets or simply forget to include certain assets into their calculations.

    • How do I make a claim?

      As your Adviser, you will always contact Citycover in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.

  • Need Help?

    Our experienced team is ready to answer any questions you have.

      • Over 45 Years of Trust
        Australians have been trusting Citycover with their insurance needs since 1972.
      • 24/7 Emergency Claims Service
        We take the stress away, as we know claims don’t just occur between the hours of 8am to 5pm.
      • Member of Austbrokers
        Top 250 ASX-listed company, better wordings, better governance and better purchasing power.

    • Speak to Us Get a Quote

  • Need to Claim?

    • Our claims process is seamless, market leading and hassle free. You can submit a claim 24/7 online, or alternatively you can phone us during business hours on 1800 122 194 or after hours on 0419-710-868. Your dedicated claims specialist will assist you with your claim from start to finish.

    • Find Out More

  • Our Team

    The knowledge and experience of Citycover’s amazing team is widely recognised. We are extremely passionate insurance professionals, who love what we do.

    • Stewart Harker

      Director

      Daneille Crawford

      Manager - Client Services

      Gayle Herriman

      Manager - Claims Services

      Kerrilyn Olver

      Claims Adviser

      David Kimber

      Senior Insurance Adviser

      Jonathan Hobson

      Senior Insurance Adviser

      Lynette Braddock

      Insurance Adviser

      Paul McGregor

      Insurance Adviser

      Tanya McGrath

      Insurance Adviser

      Tracy Livesey

      Insurance Adviser

      Liz Walker

      Authorised Representative (AR 001256865)

      Paul Cotterill

      Authorised Representative (AR 000442425)

    • Daneille and the Citycover team has been helping us with our insurance needs for over 10 years now.

      I highly recommend Citycover, as they are not only professional, they actually care about getting the best outcome for not only my business, but also my personal insurances and those of my family.

      If we ever have any questions, Daneille and her team are always available to answer them promptly. Citycover’s Claims Team go above and beyond, to ensure that we get what we are entitled to, with each and every claim we have ever had.

      I am so happy that we have Citycover, and Daneille as my Insurance Adviser. This way I can focus on growing my business, and not have to stress about my insurance.

      Robyn W
      Building and Construction
      26th October, 2017