Cover for office-based businesses
We all know that the unexpected can happen, burglaries, fires, vandalism and more. Enjoy peace of mind knowing that you’re covered against office-related risks, so you can get back to business as soon as possible.
For a wide range of professional services, the office package offers the protection and flexibility your business needs.
Our partners at QBE will build an office insurance package to suit your needs, including cover for:
Buildings, contents and stock against fire, impact, storm, vandalism, explosion and other perils. Plus architects, surveyors and legal costs, removal of debris and temporary protection of their premises.
For example a fire damages your business premises. QBE will cover the costs of repairing your premises and replacement/reimbursement for your contents and stock.
Losses incurred during the interruption of trading following a fire or other insured event.
For example a fire damages your business and you are unable to trade. Your loss of income is covered.
Theft, money and glass.
For example your business is burgled and stock is stolen or damaged. QBE will pay the current value of the stock at the time of loss.
Damage to machinery caused by breakdown, or to boilers and pressure equipment caused by explosion or collapse.
For example your air conditioner stops working. QBE will cover the cost of repair or replacement.
Breakdown and associated business interruption cover for computers and electronic equipment.
For example your computer breaks down. QBE will cover the cost of repair or replacement where repair is not economically viable.
Legal liability to pay compensation for personal injury or property damage. This section includes a number of optional extensions relevant to specific electrical and motor trade occupations.
For example a member of the general public trips and falls while on your business premises. QBE will cover the legal cost and damages if you are found liable.
Property used away from the business premises, such as tools of trade, laptops and mobile phones.
For example your laptop is stolen from your locked vehicle. Where this item has been specified in the Schedule QBE will replace the laptop including any carry case.
Fraud or dishonesty committed by employees.
For example your employee has been stealing money from the business. QBE will pay for the loss of money.
Professional fees paid in connection with an audit or investigation related to liability to pay tax.
For example your business is being audited by the ATO. QBE will pay for fees of an accountant engaged by you in connection with the audit.
Investigation and defence cost expenses, including some penalties, arising from any breach of environmental or occupational health and safety legislation.
For example your business is being sued for breaching OH&S legislation. QBE will pay for the investigation and defence costs.
Employment related wrongful acts committed against an employee.
For example your business is being sued for defamation. QBE will pay the damages awarded against you.