1300 139 931



Business Package Insurance

As the name suggests, this policy is made up of numerous types of cover which are conveniently "packaged" under the one policy. An example of the types of cover included in a Business Package Policy are:

  • Fire and Perils
  • Accidental Damage
  • Business Interruption
  • Burglary Money
  • Public and Products Liability
  • Machinery & Electronic Equipment Breakdown
  • Marine Transit (Limited)

If you would like to know more about Business Package Insurance and how it can protect your business, please contact one of our experienced Account Executives.

Business Interruption Insurance

Business Interruption Insurance covers you for financial loss due to interruption of your business as a result of destruction or damage by an insured peril/risk. For example, if your business is damaged by fire (partially or completely), this cover can help protect against the Loss of Gross Profit your business would normally achieve and can also assist in providing additional funds (Additional Increased Costs of Working) to help minimise the interruption to your usual business activities. If you would like to know more about Business Interruption Insurance and how it can protect your business, please contact one of our experienced Account Executives.

Construction Risks Insurance

Also known as Construction Risk or Construction Liability Insurance. Covers loss, destruction of or damage to contract works and all materials ascribed to the contract whilst in transit and on or adjacent to "the site". (Cover applies both during the construction and maintenance periods and is tailored to reflect the particular risks mentioned/applicable to specific contracts). Also can cover: Legal liability for injury to any person(s) and/or damage to any property of third parties arising out of the construction/maintenance operations. If you would like to know more about this product and how it can protect your business, please contact one of our experienced Account Executives.

Corporate Travel Insurance

Corporate Travel Insurance provides cover for you and your staff when travelling on business along with accompanying spouse and children. It also provides cover for Directors when travelling for business and pleasure, including accompanying spouse and children. Covers baggage, overseas medical expenses, money, personal accident and loss of deposits for insured persons whilst travelling on the business of the Insured. This policy is often purchased on an annual basis with the insured client as beneficiary. If you would like to know more about this product and how it can protect your business, please contact one of our experienced Account Executives.

Crime / Fidelity Guarantee

Covers loss sustained through fraudulent or dishonest acts committed by employees. If you would like to know more about this product and how it can protect your business, please contact one of our experienced Account Executives.

Directors' & Officers' Liability Insurance

Directors & Officers Liability / Company Reimbursement Insurance. Covers Directors' and/or Officers' for their legal liability for wrongful acts committed whilst acting in their capacity as a Director/Officer. Company reimbursement will reimburse the Company for payments it is legally entitled or obliged to make in indemnifying Directors' or Officers' for claims made against them whilst acting in their capacity as Directors' or Officers'. It will not reimburse the Company for claims made against the Company. If you would like to know more about this product and how it can protect your business, please contact one of our experienced Account Executives.

Electronic Equipment Insurance

Provides cover for physical loss, destruction or damage to the Property Insured directly or indirectly caused by or arising from or in consequence of Mechanical or Electrical Breakdown including Accidental Damage. If you would like to know more about this product and how it can protect your business, please contact one of our experienced Account Executives.

Employment Practices Liability Insurance

Legal Liability for all losses arising from any claim first made against the Insured and reported to the Insurer during the Period of Insurance by reason of a specified Employment Practice. If you would like to know more about this product and how it can protect your business, please contact one of our experienced Account Executives.

Home and Contents Insurance

This insurance covers domestic dwellings and contents against fire and other perils, including theft and personal liability. Home and contents policies can be either Accidental Damage or Defined Events policies. As a Steadfast Broker, we are able to offer significantly enhanced insurance policy coverage compared with many products offered directly by Insurance Companies. If you would like to know more about these products and how they can protect your Home & Contents, please contact one of our experienced Account Executives.

Cyber Risk

Cyber Risk Insurance is designed to protect businesses of all kinds against a wide range of first party and third party liability cyber exposures. Cyber attacks on small businesses are rapidly increasing with many company’s private and confidential information commonly being stolen. All companies who have a web presence or a dependency on technology have an exposure to cyber attacks and could potentially suffer significant loss even after only a minor attack or disruption. Cover is available for costs associated with Business Interruption, misuse/loss of funds, ransom payments for hijacked data, costs associated with notification to your customers if their data is at risk, crisis expenses, content liability and defence costs.

Management Liability Insurance

Management Liability protects your business, directors and related entities against exposure to the legal consequences of innocent breaches arising from daily activities. Key areas of this cover include OH&S investigations, Employment Practices, Statutory Liability (in some instances, can include fines and penalties), Employee theft and third party crime, ATO investigations and enquiries, and Personal asset protection.

Medical Malpractice Insurance

Medical Malpractice Insurance provides protection for professional health care providers, doctors, students and clinics against liability that may arise out of their or the organisation’s acts, errors and omissions in the provision of healthcare services. Medical Indemnity (Malpractice) is a requirement of registration in Australia.

Strata – Residential & Commercial

Residential Strata insurance (also known as body corporate cover in some states) is general insurance that covers common property under the management of a strata title or body corporate entity. Owners of strata titles typically share the premium costs of strata insurance as part of their strata fees and liabilities.

Commercial Strata insurance covers the building, common property and common contents for commercial strata title properties. Insurers will consider each tenancy within the building and the risks associated with the occupation of the tenant which could lead to a potential claim. We deal with a number of insurers who specialise in risks which are harder to insure due to the high level of risk imposed by one or more of the tenancies.

Holding strata insurance is mandatory under each state’s relevant strata legislation.

Workers Compensation Insurance

Workers’ compensation is a compulsory statutory form of insurance for all employers in every state and territory in Australia and provides protection to workers if they suffer a work-related injury or disease. In Queensland, Workers Compensation Insurance is only available through the Qld Government via Workcover. Legislation varies in other Australian States.

Marine Transit Insurance

Property, especially stock, does not necessarily remain exclusively at an Insured's premises. You may deliver your stock to customers, suppliers may deliver goods to you from anywhere in the country. International Transits may also be involved. You may also transport your own equipment between locations. Marine Transit or Goods in Transit insurance provides cover for inland transit by road or rail and often extends to include inland and coastal waters. Cover may be arranged by the owner or by the Transport Operator to protect them against their liabilities under the transport/carriers contract. International transit by sea or air is insured under a Marine Cargo policy.

Pleasurecraft (Boat) Insurance

This insurance policy provides coverage for individuals who own and operate a boat or personal watercraft. Boat owners insurance provides cover of physical damage to the boat, its motor, and trailer, as well as liability cover for injuries caused by individuals operating the boat. This type of insurance may be purchased for sailboats, houseboats, and jet skis, as well as other watercraft up to a certain size and value. The Liability cover can also be extended to include waterskiing and other activities where people are towed behind the vessel.

Public & Products Liability Insurance

Insurance covering the Business or Personal Liability an Insured may have to others as a result of being negligent. In Australia, this type of Personal Liability insurance is most readily available as an automatic inclusion in a Home and/or Contents insurance contract.

Similarly, a business or property owner will require Public Liability Insurance and in some case Product Liability Insurance. In broad terms, a Product Liability policy is there to provide indemnity to the insured for claims arising in respect of a claim involving the Nature, Condition or Quality of goods manufactured, sold or supplied by the insured, but it is not a goods warranty policy.

Marine Hull Insurance

Larger Ships or “Hulls”, are insured under specialist marine insurance policies. Cover can be arranged for Marine Hull & Liability and in some cases a Specialist Liability with a Club Protection & Indemnity Insurer. As Brokers, we have access to an extensive range of policies providing cover for sea-going vessels of all types and uses.

Products Recall Insurance

Insurance that covers expenses associated with recalling a product from the market. Product recall insurance is typically purchased by manufacturers of products such as food and beverages, toy and electronics companies to cover costs such as customer notification, shipping costs and disposal costs. Coverage generally applies to the firm itself, though additional coverage can be purchased to cover the costs of third parties.

Information Technology (IT) Liability Insurance

I.T. Liability policies protect companies providing all sorts of IT services including website hosting, computer sales and servicing, IT consulting, software development and many more. There are grey areas in traditional Public & Products Liability Policies and standard Professional Indemnity policies so it is vital to have a tailored IT Liability policy combining these aspects of cover together.

Landlords Insurance

Landlord insurance provides cover for your investment Building (other than Units) & Contents including Accidental Damage not caused by your Tenants. Cover is also provided for tenant-related losses such as Loss of Rent due to an insured event, Loss of Rent due to a tenant default, breaking their lease or being legally evicted as well as malicious damage caused by tenants and/or their visitors.

Many readily available insurance products may not cover these events, and very often, the bond is not sufficient to cover the costs to you. Your Insurance Broker has access to Steadfast and Council of Qld Insurance Brokers (CQIB) Landlord policy wordings, which other direct market insurance companies cannot access. These covers are designed by Brokers for our clients. .

Motor Vehicle Insurance incl Fixed & Mobile Plant

As a Steadfast Broker, we have access to specially tailored Private Motor Vehicle Policies that provide cover for your vehicle as well as damage to other property. Our policies are backed by an efficient and effective claims management process that will see you back on the road as soon as possible.

Fixed & Mobile Plant used mainly in the construction industry require a specific style of cover and we have access to a number if suitable markets with insurers who specialise in this area of insurance.

Professional Indemnity (PI) Insurance

This is in basic terms an insurance covering legal liability to others due to an allegation of professional negligence. PI, also known as errors & omissions in some places, is a form of liability insurance that helps protect those who provide professional advice, and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm. Professional liability coverage sometimes also provides for the defence costs, including when legal action turns out to be groundless. Coverage does not include criminal prosecution, nor a wide range of potential liabilities under civil law that are not allowable under the policy, but which may be subject to other forms of insurance. Professional liability insurance is required by law in some areas for certain kinds of professional practice, and is also sometimes required under contract by other businesses that are the beneficiaries of the advice or service.

Rural Farm Insurance

As the name suggests, this policy is made up of numerous types of cover which are conveniently "packaged" under the one policy. An example of the types of cover included in a Rural / Farm Policy are:

  • Domestic Buildings and Contents
  • Farm Property
  • Farm Machinery (limited cover) and Working Dogs
  • Theft
  • Business Liability
  • Farm Motor Comprehensive
  • Business Interruption
  • Personal Income
  • Machinery Breakdown
  • Marine Transit
  • and many more

Travel Insurance

Your Insurance Broker now offer personal travel insurance. If you would like a quotation, please click here.

Trade Credit Insurance

Trade Credit Insurance is designed to provide protection for a business against losses incurred due to the failure of Debtors paying outstanding funds. Such a loss is potentially disastrous to any business. Trade Credit Insurance allows your business the flexibility to expand and grow without needing to constantly worry about cash flow in the event a customer fails to pay what is owed.

Office Packages

As the name suggests, this policy is made up of numerous types of cover which are conveniently "packaged" under the one policy. An example of the types of cover included in an Office Package Policy are:

  • Property – Fire & Perils
  • Business Interruption
  • Crime incl Theft
  • Public and Products Liability
  • Machinery & Electronic Equipment Breakdown
  • Employee Dishonesty
  • Tax Audit
  • and many more

Industrial Special Risks Insurance

Industrial Special Risk (ISR) is a generic name given to an inherently broad commercial insurance wording mainly used for businesses with larger asset values usually over $5,000,000. The basic ISR policy wording is generally altered to be risk specific by the adding of endorsements which alter the scope of the cover. In excess of 200 wording endorsements are available for some versions of an ISR policy. Your Insurance Broker is very experienced in assisting clients to design the policy specifically for their needs.

Kidnap & Ransom Insurance

Insurance can be purchased by individuals or companies concerned about their key executives to cover ransom demanded by kidnappers. Most policies also cover professional advice and independent negotiators to remove emotion from negotiation with the kidnappers. The negotiators sole objective is to secure the release of the victim. This is a very specialist insurance product where confidentiality is obviously very important. This cover is sometimes included in Corporate Travel Covers.

Equipment Breakdown (EBD) Insurance

Complex industrial plant and simple office machinery can be insured not only for Property damage, but also for any accidental damage including mechanical or electrical derangement. Such cover is usually subject to certain levels of maintenance being maintained and is almost certainly subject to a significant deductible. Business Interruption following Equipment Breakdown is also available with some specialist insurers.