Comprehensive Motor 94 Covers loss or damage to an insureds vehicle, as well as loss or damages caused by you to third parties. Trailer in Control 94 Covers trailers you do not own, but tow and for which you are legally responsible. Marine Cargo 90 Provides cover for the items you transport. Various levels of cover but generally all respond to loss or damage because of fire, flood, collision, overturning, theft and loading/unloading. Business Property Insurance 61 This covers a business fixed premises. Cover can be tailored but typically includes fire and perils, theft, money, glass, business interruption, machinery breakdown and electronic equipment failure. Workers Compensation 61 Compulsory insurance for any business with employees. Provides protection to employees in the event of injury or illness as a result of an unsafe work environment. Downtime / Business Interruption 60 Following a motor claim this policy will provide ongoing payments whilst your vehicle is being repaired to minimise the financial loss. Similar coverage can also be obtained for business with business property insurance. Personal Accident 59 Replaces an individual's income if they are unable to work due to injury or illness. Cyber Risks 51 When a malicious attack is made on a company's IT systems, this coverage will provide cover for such things as restoration of data, claims from third parties due to privacy breaches or you cause damage to their system as a result of a virus you transmit. Coverage can also respond to cyber extortion and ransom demands. Broadform Liability 48 Covers a business for loss or damage caused to third parties during the normal course of business. This is in addition to the liability coverage associated with a vehicle. Machinery Breakdown 45 Typically taken to protect material handling and refrigeration equipment. Can be covered either under a comprehensive motor/machinery policy or be attached to a business property policy. Cover includes repair/replacement of damaged items and can include loss of stock and business interruption. Management Liability 41 The coverage is designed to protect corporations as well as their directors & officers who may incur legal and financial liabilities because of the management, operation and/or ownership of a business. Claims can result from changes in legislation, regulatory investigations, shareholder actions, creditor actions and employee initiated claims alleging discrimination, harassment or unfair dismissal. Dry Hire 32 Extends a policy to include cover whilst equipment is being hired to third parties. Tax Audit 26 Covers the professional cost involved in responding to an ATO audit, enquiry or investigation. Professional Indemnity 10 Covers claims for financial loss, personal injury or property damage of third parties arising from an act, advice, error or omission in the performance of your professional service. Typically taken by larger organisations involved in providing professional advice or services. Trade Credit Insurance 10 This will cover a business from loss due to non-payment by debtors, generally because of insolvency. Key Person 9 Allows a business to receive a lump sum payout in the event of death or disablement of a critical person to a business. Partnership Insurance 8 When one or more partners are involved in a business, provides the funds to buy out a partner or their estate in the event of death or disablement. 