FAQ

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Industrial Special Risk (ISR) Insurance is a wide coverage business insurance policy that provides cover for a range of loss scenarios or damage done to high value physical assets including property, buildings, materials and machinery.

If you are a Business or Commercial Property owner with Insured Property or high value assets over the value of $5 million, you should consider getting Industrial Special Risk Insurance. Please note that minimum values do vary by Insurer.

Whilst it is ideal for medium to larger organisations, ISR Insurance can also be suitable for smaller companies with high value assets.

Farm Insurance is wide ranging and can provide cover for all types of farms from a small hobby farm to large production farms.

Cover options can include the Personal Home, Farm property, Farm Contents, Business Interruption, Motor Vehicles and Farming Machinery, Fences, Hay, Produce and Livestock plus many other covers.

Farm liability protects your Farm from Public and Product Liability claims arising from your farming operations.

You can tailor the policy to have as much or as little cover depending on your circumstances.

Professional photographers do need insurance. Ultimately it’s up to each professional photographer, studio head, or small business to decide what cover they need and what cover they can afford. Typically though, the two types of insurance most photographers will prioritise are Public Liability and Portable Equipment insurance.

Public Liability is an important cover for any business interacting with the general public. Someone could walk onto your shoot or studio and trip on a tripod, causing themselves bodily injury and damage to their property. Public Liability insurance provides cover for your legal liability should a third-party injure themselves as a result of or in connection with your business activities.

Several factors will have an impact on the cost of insurance. Services offered, business equipment and property, revenue, location, number of employees all affect the cost of your premium. The nature and level of risks will also come into play. For example, excavation contractors may face higher insurance costs compared to a concreting company.

As a contractor, you’re essentially self-employed and are held accountable to a number of risks. Public Liability insurance should be the first on your list of insurance needs. PL will ensure that if your negligence results in property damage or personal injury of a third party, you are covered. You might also want to invest in income protection, contractual liability, and equipment insurance. Reach out to our team to discuss what insurance you may need.

Landlords insurance covers your rental property and contents against risks like storms, floods and fire, as well as damage caused to your contents by tenants and even loss of rental income.

Cover for Make-up Artists, can range from a standard Liability only policy, to a more complete business package. Delending on whether you operate your make-up business from home, do mobile work, have a commercial studio or share premises with a beauty or hair salon will determine the type of insurance policy required. 

Display Home Insurance is needed when you buy a house from a builder that has a lease back option to allow the builder to lease the property back from the purchaser and use the property as a Display Home. This lease period can often be anywhere between 1 and 3 years.

Arborists and Tree Contractors are faced with a high level of risk daily. Having specialised insurance will ensure that you are protected. The most common policies arborists opt for are Public Liability, Professional Indemnity, Equipment/Property and Personal Injury insurance.