BUILDING & CONTENTS

Accidental Damage cover including Burglary / Theft

BONUS FEATURES:
Rewriting of records, employee tools / equipment / clothing, fire extinguishment costs & removal of debris, landscaping, temporary removal of contents within Australia. Deterioration of refrigerated medical supplies. Fusion of Electric motors up to 2.5 hp.

BUSINESS INTERRUPTION

Cover for your gross income as a result of a insured event causing an interruption to your business. (optional cover)

Automatic Cover: Extra Cost of Working – $100,000 cover.

BONUS FEATURES:
Accounts Receivable $10,000 & Accountant Fees $10,000

MONEY

Automatic $1000 cover—On Premises 24 Hours including: your (or your employees’) private residence, in transit to the bank, your home or anywhere in Australia.

BONUS FEATURES:
Damage to your safe or strong room

GLASS

Internal & external glass – Replacement value

BONUS FEATURES:
Including signs (illuminated & sign written) and damage to window frames.

PUBLIC LIABILITY

Automatic cover of $10 million for Public & Products Liability.

ELECTRONIC EQUIPMENT
AND MACHINERY BREAKDOWN (optional cover)

Electronic Equipment – Breakdown of office equipment, (including Power Surge), and medical diagnostic. Increased cost of working after a break down & loss of data cover can be included.

Machinery Breakdown – Repair or replacement (including hire costs) of air-conditioners, refrigeration units, compressors etc.Loss of income can also be requested

GENERAL PROPERTY

Cover for equipment that is permanently out of the practice.

BONUS FEATURES:
Property loss or damage anywhere in Australia for a Medical Bag ($1000) and one Mobile Phone ($500).

TAX INVESTIGATION

Automatic Cover: $50,000 for Professional expenses incurred during an investigation by the Taxation Department.

EMPLOYEE DISHONESTY

Automatic Cover: Employee related theft or fraud of your Property, Money or negotiable Instruments ($10,000)

FLOOD COVER

Available on request and at the insurers discretion

POLICY EXCESS
$250 Standard, $2,000 Named Cyclone & $500 Property Damage – Public Liability $5,000 for Flood if insured (for other excess refer to policy wording)