Business Insurance

Our experienced and highly qualified team have the expertise to get to know you and your business.  You put alot of effort into building a business, so you need to do what you can to ensure it's ongoing success.   

We understand no business is the same and so we can tailor an affordable insurance solution that’s perfectly suited to your needs and to protect you from the everyday risks you can't control. We have access to a comprehensive range of quality insurance options to protect your business now and into the future - allowing you to get on with with you do best!

  • Business Package

  • Trades Package

  • Office package

  • Commercial Property Owners Insurance

  • Professional Indemnity Insurance

  • Voluntary Workers Insurance

  • Personal Accident & Illness Insurance

  • Public & Products Liability Insurance

  • Association Liability Insurance

  • Construction Insurance

  • Farm Insurance specialised package

  • Transit Insurance (Marine Cargo)

  • Management Liability Insurance

  • Workers Compensation Insurance

  • Child Care Services tailored package

Farm Insurance

Farm insurance offers flexible cover that can be tailored to suit your needs and protect your farm against a range of contingencies such as: 

• farm liability
• farm property
• home & contents
• personal effects
• domestic legal liability
• motor vehicle
• additional working costs
• equipment breakdown
• road transit
• tax audit.
Ask us about the Allstate Farm Insurance available.

Professional Indemnity Insurance

Professional Indemnity Insurance provides financial protection for companies and individuals for claims made against them in the course of carrying out their professional services.PI Insurance must be in place at the time a claim is made against you and is therefore described as a "claims-made" policy. This means that the policy only provides cover for claims made against you during the period of insurance and subject to the terms and conditions (including exclusions) of the policy in place at that time.PI claims can be made against you by clients, regulatory authorities, professional bodies & associations, as well as other third parties to whom you owe a duty of care (including communities).

Commercial Motor Vehicle insurance

Commercial Motor Vehicle insurance covers a full range of events from accidental loss or damage, fire, theft or attempted theft, malicious damage or storm damage to your business vehicles. Commercial motor vehicle insurance offers you competitive motor insurance rates. If you are looking for comprehensive commercial motor insurance cover for your car, 4WD, utility, van, prime mover, or trucks over 2 tonnes, we can tailor a policy to suit your needs.We can arrange two types of commercial motor vehicle insurance cover:• Comprehensive cover (Theft or damage & legal liability)• Legal liability cover (Third party only)

Goods in Transit (Marine Cargo)

Conventional cargo cover includes:

  • combined cargo (import/export and within Australia)
  • annual import/export, and
  • single transit covers.

Our insurers also produce specific wordings for specialised cargo, such as:

  • fruit and vegetables
  • bulk commodities
  • livestock, and
  • cargo loss of profits

Accident & Sickness Insurance

Accident & Sickness Insurance ensures that in the event of an accident or sickness and unable to work, you'll still have money coming in every week.

Accident & Sickness Insurance can offer 24 hour cover.
There are also options to cover your business expenses while you are off work while sick or injured and even lump sum benefits.  
Accident & Illness cover does not cover associated medical costs.

Construction Insurance

We have expertise in providing insurance solutions to the construction and engineering sector, offering you comprehensive financial protection against areas of risk including construction material damage, construction liability and machinery and plant equipment failure.

Management Liability Insurance

Management Liability Insurance Policy features coverage and benefits to address the serious risks confronting private companies and their management teams.

This policy is divided into seven modules that include six coverage sections each with their own limit, subject to a policy maximum limit of liability.

Directors and Officers Liability

  • Provides cover for claims against directors and officers for any actual or alleged wrongful acts in the performance of their duties
  • Cyber Privacy & Confidentiality extension
  • Unlimited Run-off cover for retired directors and officers
  • Full limit for investigation and pre-investigation costs
  • No pollution exclusion for directors and officer liability section

Corporate Legal Liability (entity cover)

  • Provides cover for claims against the company for any actual or alleged wrongful acts
  • Specific public relations expenses extension
  • Breach of contract defence costs extension
  • Tax audit expenses extension

Statutory Liability

  • Provides cover for investigations, defence and possible penalties that may be awarded for a statutory breach
  • Emergency defence costs extension
  • Work health and safety extension

Employment Practices Liability

  • Provides cover for actual or alleged employment related wrongful acts by or against employees
  • Contractual liability defence costs extension
  • Broad definition of employment related wrongful act
  • Worldwide cover excluding USA & Canada

Employee Dishonesty 

  • Provides cover for direct financial loss to the company resulting from a fraudulent or dishonest act of an employee
  • Full limit for investigator costs to determine direct financial loss
  • Worldwide cover excluding USA & Canada

Kidnap & Extortion 

  • Provides cover for loss arising from kidnapping, hijacking, wrongful detention, extortion, cyber extortion and political threat 
  • Broad definition of insured person and loss
  • Cyber extortion expense cover for threats made against the company

IT Liability Insurance

This policy gives you protection against legal liability arising from the failure of products, services and/or advice. The information technology industry has unique liability exposures due to the crossover between the provision of professional services and supply of goods with many service providers in this industry having a mix of both. This is further complicated by the legal ambiguity surrounding software advice and development and whether it is in fact the provision of a service or the sale of goods. We have access to a range of insurance products that are commonly referred to as IT Liability policies. These policies represent a combination of Professional Indemnity and Public and Products Liability insurances within the one product with a view to minimising the prospect of an uninsured claim due to it “falling between the gaps” between the two traditional insurance products.

Public & Products Liability Insurance

We can source a policy that covers your legal liability to pay compensation for personal injury or damage to property happening during the period of insurance and caused by an occurrence connected with your business; includes reasonable legal costs of investigating and defending claims against you.

This information does not take into account the objectives, financial situation or needs of any person. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation or needs.

Contact Us Today

Call us today.
Hobart - 03 6245 1422
Ulverstone - 03 6425 7383

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Strategic Insurance Services ABN 78 091 352 715 
is a Corporate Authorised Representative of 
Ausure Pty Ltd ABN 94 096 971 854 l AFSL No 238433


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