Public liability insurance is designed for businesses who interact with customers or members of the public. It protects against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business activities.

Industrial Special Risk (ISR) Insurance is a wide coverage business insurance policy that provides cover for a range of loss scenarios or damage to high value physical assets (over $3 million) including property, buildings, materials and machinery.

Trade Insurance is tailored for tradies (plumbers, electricians etc) and allows you to protect your business premises and equipment against damage or loss. It is available across a broad range of trades. Coverage includes:
– Public and Products Liability to cover damage to people or property as a result of your business activities.
– General Property for tools and portable items.
– Tax Audit for legal and accounting fees if you are audited.
– Fire and Other Damage to protect your building and its contents.

Total Insurance Agencies understands the importance of protecting your assets and provides insurance solutions to safeguard your mobile plant and machinery. Plant and Equipment Insurance provides cover for a range of mobile plant equipment such as graders, excavators, bobcats, rollers and dozers. This insurance provides cover for damage or loss (including theft) to your mobile plant.

Professional indemnity or PI insurance, covers legal costs and expenses incurred in your defence, as well as any damages or costs that may be awarded, if you are alleged to have provided inadequate advice, services or designs that cause your client to lose money. Professional indemnity is an important type of business insurance, especially for businesses that give advice or provide a professional service to clients.

Chat to Total Insurance Agencies today about your business insurance requirements and we’ll tailor a package to your needs.

As technology grows, so does the insurance cover needed to protect against any new risks unique to these devices. Risks such as ‘cybercrime’ can include hackers gaining credit card information, or someone flooding your network with incoming web traffic until it breaks down.

Cybercrime can come in the form of your business’ connection to:
– the internet
– email
– computer programs
– the private data of clients
Source: https://www.business.gov.au/risk-management/insurance/cyber-liability-insurance

 Cyber insurance protects businesses and individual users from Internet-based risks, and more generally from risks relating to information technology infrastructure and activities. Cyber attacks are a real threat to Australian Businesses with the consequences of an attack being catastrophic to a small business. Losses may be loss of income, damage to your systems and liability resulting from loss of data and privacy breaches. In addition to the losses there are legislative reporting requirements relating to a cyber incident which can be costly.

Regardless of the size of your business, data is one of your key assets, talk to Total Insurance Agencies today about how you can protect your systems and data.

View the short video below to learn more.

Luggage delayed? Cash stolen? Sick or injured overseas? Our travel insurance partner TravelCard Real-Time can help. When you take out a policy, TravelCard will ask if you’d like a TravelCard to take on your trip. This allows you to pay expenses for approved claims so you can get back to enjoying your holiday without being out of pocket. Most claims can be managed in minutes. No excess to pay, less paperwork and no long claims process – it’s that simple.

So, if your luggage is delayed and you need PJs and a toothbrush, you can use the TravelCard to purchase what you need up to the value of $150. Or, if the matter is more serious and you have a medical issue overseas, medical expenses can be paid using the TravelCard.

Click below to find out further information from our Travel Partner, TravelCard. 

When you’re running a business, you may be personally liable for any actual or alleged breaches of the Corporations Act. And it’s not just large companies that are exposed – small and medium business owners and officers could be at risk as well.

Management liability insurance covers the costs of defending directors, managers and employees against any claims that are the result of their actions or decisions

This insurance can cover employment practices including unfair dismissal, bullying and harassment and can also include defence, fines and penalties for Health and Safety and Chain of Responsibility.

Learn more here by viewing this short video.