Our Products
At Protego Risk Group, we have extensive experience tailoring solutions with a broad range of commercial and personal insurance products on the market. Below are some examples of the insurance products we can obtain on your behalf:
Liability Insurance
As a business owner you have a responsibility to any third party that your business encounters through the course of conducting your operations. This includes your customers, employees, suppliers, and the general public. Commonly referred to as Public & Products Liability Insurance, this policy protects your legal liability to any of these third parties for any Personal injury or Property Damage they may allege to have sustained from your business and/or products.
Contact Us today to discuss your Liability Insurance requirements.
Business Insurance
Any business should consider a business insurance package which provides a comprehensive suite of coverage for your business against insured events. Generally, a business insurance package enables you to select relevant sections of coverage based on the nature of your business activities and purchase it under one combined policy. This product is particularly tailored for small and medium-sized enterprises (SMEs) businesses.
Typical sections of coverage for consideration include:
- Property Damage
- Business Interruption
- Burglary/Theft
- Money
- Public and Products Liability Insurance
- Glass
- General Property
- Machinery & Electronic Breakdown
- Employee Dishonesty
Contact Us today to discuss your Business Insurance requirements.
Business Interruption Insurance
Business interruption insurance provides critical support in the event your business property suffers physical damage or loss which means you are unable to operate as normal and suffer a reduction in turnover. This cover is a critical component of any business insurance program as it returns you back to where you would have been if the business had not been interrupted. Getting your business interruption insurance incorrect can have devastating consequences for your business.
Contact Us today to discuss your Business Interruption Insurance requirements.
Professional Indemnity Insurance
If your business provides advice, consultancy or a service to clients or customers, professional indemnity should be a critical part of your insurance program. Professional indemnity insurance protects your business against any claims made against it for legal liability and any financial losses arising from an act, error, omission, or breach of professional duty in providing your professional service.
Contact Us today to discuss your Professional Indemnity Insurance requirements.
Property Insurance
Property insurance is designed to protect your physical business property such as buildings, contents, stock, plant, and machinery in the event of an insured event, such as storm damage, fire, burglary or accidental damage.
When tailoring your property insurance requirements, it is critical to ensure the value of your business assets are accurately declared for the actual reinstatement and replacement costs, recent financial data and the policy sub-limits are adequate when considering worst case or total loss scenarios.
Contact Us today to discuss your Property Insurance requirements.
Directors and Officers Insurance
Directors and Officers insurance protects the business, the individual directors and its officers who undertake these vital roles within the business, insuring them against claims that may arise from within or external to the business. For small businesses, a Management liability product is often recommended as it offers a highly economical and packaged suite of coverages including Directors and Officers liability cover, Company Reimbursement, Employment Practices Liability, Statutory Liability, Fidelity or Crime and Tax Audit costs.
Contact Us today to discuss your Directors and Officers or Management Liability Insurance requirements.
Association Liability Insurance
Association liability insurance is a packaged policy specifically tailored for associations, not-for-profits, sporting clubs and community-based organisations. The policy protects the directors, office bearers, employees and voluntary workers from liabilities that arise out of the operation of the organisation.
Contact Us today to discuss your Association Liability Insurance requirements.
Corporate Travel Insurance
Corporate travel insurance provides protection to the business and its employees when they travel domestically or internationally on behalf of the business. Quite often things can go wrong when travelling with expenses for medical treatment, emergency medical evacuation, flight cancellations or lost luggage being a few of the common costs that businesses can face when their directors or employees are travelling.
Contact Us today to discuss your Corporate Travel Insurance requirements.
Personal Accident Insurance
Personal accident and sickness insurance protects you against any lost income if you become sick or injured and can no longer work and earn an income. If your business engages volunteers like charities, associations, clubs, community groups, there are also specifically tailored Voluntary Worker Personal Accident Insurance policies to make sure they are covered for any accidental injury they may suffer while they’re working for your business.
Contact Us today to discuss your Personal Accident and Sickness Insurance requirements.
Cyber Insurance
Cyber risk is now one of the top critical risks businesses now face in Australia due to the emergence of sophisticated cyber criminals. The reality is that anyone or any business who utilises IT or electronic devices should have a robust cyber risk protection program in place, including a cyber insurance policy.
A cyber insurance policy will generally cover the following risks to your business:
- Third party claims – covers your liability to third parties from your failure to keep private information secure.
- First party costs – reimburses your business for the costs you would incur to respond to a cyber-attack.
- Business interruption – provides protection to your business for loss of profits resulting from a cyber-attack.
Contact Us today to discuss your Cyber Insurance requirements.
Marine Cargo and Hull Insurance
Marine insurance is designed to protect your business if you have a ship or vessel that requires insurance or if you are moving cargo across sea, land, or air. The typical marine insurance options to consider include:
- Marine cargo insurance: This policy is designed for businesses that transport their goods across Australia or overseas irrespective of means (land, sea, or air).
- Commercial Hull insurance: This policy covers physical loss of or damage to the vessel and the machinery or equipment within it.
- Marine liability insurance: This policy provides protection to your business against any legal liability to a third party while engaged in marine-related activities.
Contact Us today to discuss your Marine Cargo and Hull Insurance requirements.
Contract Works Insurance
Contract works insurance, also known as construction insurance, is a packaged insurance policy designed specifically to cover the interests of all parties involved in a construction project, including the project owner, general contractor and subcontractors. Depending on the nature of your work it can be obtained on an annual project basis or a project specific basis.
The policy generally can cover:
- Material loss or damage to the works under construction, materials to be incorporated into the project, temporary structures and principals existing buildings.
- Public & Products Liability for any injury or damage associated with the project including any liability resulting from completed works.
- Tools, Mobile Plant & equipment including against loss, damage or theft.
- Other extensions of cover include environmental liability and advanced consequential loss or delay in startup cover.
Contact Us today to discuss your Contract Works Insurance requirements.
Plant and Equipment Insurance
Plant and equipment insurance is specifically designed to cover plant and equipment which are used to conduct your business. Cover can be provided for a wide variety of mobile plant ranging from earthmoving equipment, forklifts, mobile cranes to trucks, trailers and attachments and everything in between.
The policy generally can provide cover for:
- Material damage, physical loss, theft or destruction of your plant & equipment.
- Road risk liability for any registered vehicles.
- Public liability to third parties whilst operating the plant and equipment.
- Business interruption for any loss of revenue if a listed item is damaged.
- There are also various other covers available, such as damage to lifted goods, hired in plant and equipment and wet or dry hire.
Contact Us today to discuss your Plant and Equipment Insurance requirements.
Motor Insurance
Motor insurance protects your private motor vehicles, commercial motor vehicles or business fleet against costs arising from theft and accidents including third party property damage.
Motor vehicles which are used in connection with your business require a specialist insurance policy so that if something happens, your business isn’t disrupted, and you’re not left without transport and experience a loss in revenue.
Typically, coverage will range from comprehensive to third-party property damage only for a wide range of vehicle classes, including some modified and unique vehicles. Vehicles covered can include cars, motor bikes, utes, vans, trucks, buses, plant and equipment.
Contact Us today to discuss your Motor Insurance requirements.
Home and Contents Insurance
The family home is likely to be the largest investment you make in your lifetime. This means it is essential to protect it with a tailored home insurance policy.
Home insurance covers material damage to your house from events such as fire, lightning, explosion/implosion, destruction, or damage caused by aerial devices, as well natural events like earthquakes, storms, cyclones, floods, storms, rainwater, wind, hail, snow and bushfires. With correct coverage, the insurer will arrange repairs and alternative accommodation if required or pay your legal defence costs and damages awarded by a court if someone is injured on your property. Having the incorrect type of cover could mean you have to find the money to pay for these costs out of your own pocket.
Contact Us to discuss your Home and Contents Insurance requirements.
Need an Insurance Health Check?
At Protego Risk Group, we will provide you with a no obligation review of your current insurance program.
We will stress test your existing arrangements and make recommendations for coverage and pricing optimisation.