All General Insurance
We offer the full array of General Insurance Products, covering all business and personal insurance requirements.
Motor Vehicle, Home & Contents, Landlords, Strata, Boat & Pleasure craft, Caravan, Travel, Personal Accident and more.
Business Packages, Workers Compensation, Industrial Special Risk, Public Liability, Trades Package, Retail Packages & more.
Construction, Contract Works, Home Warranty, Builders Warranty, Plant & Equipment.
Professional Indemnity, Directors & Officers, Information Technology, Association Liability, Management Liability and Cyber.
Commercial Motor, Fleet Motor, Corporate Travel, Tax Audit, Umbrella Liability & More.
|Accommodation||Fruit and Vegetable Processing||Physiotherapy Services|
|Accommodation for the Aged||Fruit Growing||Pig Farming|
|Accounting Services||Funeral Directors, Crematoria and Cemeteries||Pipeline Transport|
|Advertising Services||Furniture Manufacturing||Plant Hiring or Leasing|
|Aerial Agriculture Services||Furniture Retailing||Plant Nurseries|
|Agricultural Machinery Manufacturing||Furniture Wholesaling||Plaster Product Manufacturing|
|Air Conditioning and Heating Services||Gambling Services n.e.c.||Plastering and Ceiling Services|
|Aircraft Manufacturing||Garden Supplies Retailing||Plastic Bag and Film Manufacturing|
|Alumina Production||Gardening Services||Plastic Blow Moulded Product Manufacturing|
|Aluminium Rolling, Drawing, Extruding||Gas Supply||Plastic Extruded Product Manufacturing|
|Aluminium Smelting||General Insurance||Plastic Foam Product Manufacturing|
|Ambulance Services||General Practice Medical Services||Plastic Injection Moulded Product Manufacturing|
|Antique and Used Good Retailing||Glass and Glass Product Manufacturing||Plastic Product Rigid Fibre Reinforced Manuf.|
|Apple and Pear Growing||Glazing Services||Plumbing Services|
|Aquaculture||Gold Ore Mining||Plywood and Veneer Manufacturing|
|Architectural Aluminium Product Manufacturing||Grain Growing||Police Services|
|Architectural Services||Grain Storage||Port Operators|
|Automotive Component Manufacturing||Grain-Sheep and Grain-Beef Cattle Farming||Postal Services|
|Automotive Electrical and Instrument Manuf.||Grape Growing||Poultry and Smallgood Wholesaling|
|Automotive Electrical Services||Gravel and Sand Quarrying||Poultry Farming (Eggs)|
|Automotive Fuel Retailing||Grocery Wholesaling||Poultry Farming (Meat)|
|Automotive Repair and Services||Hairdressing and Beauty Salons||Poultry Processing|
|Bacon, Ham and Smallgood Manufacturing||Hand Tool and General Hardware Manufacturin||Prawn Fishing|
|Banks||Health Insurance||Prefabricated Building Manufacturing|
|Basic Iron and Steel Manufacturing||Health Services||Prefabricated Metal Building Manufacturing|
|Basic Non-Ferrous Metal Manufacturing||Higher Education||Prepared Animal and Bird Feed Manufacturing|
|Battery Manufacturing||Horse and Dog Racing||Preschool Education|
|Bauxite Mining||Horse Farming||Primary Education|
|Beef Cattle Farming||Hosiery Manufacturing||Printing|
|Beer Manufacturing||Hospitals||Private Households Employing Staff|
|Biscuit Manufacturing||House Construction||Professional and Scientific Equipment|
|Black Coal Mining||Household Appliance Manufacturing||Professional Equipment Wholesaling|
|Boatbuilding||Household Appliance Wholesaling||Psychiatric Hospitals|
|Boiler Making and Installation||Household Equipment Repair Services||Pubs, Taverns and Bars|
|Book and Magazine Wholesaling||Household Equipment Repair Services||Pulp, Paper and Paperboard Manufacturing|
|Book and Other Publishing||Household Good Wholesaling||Pump and Compressor Manufacturing|
|Bread and Cake Retailing||Hunting and Trapping||Radio Services|
|Bread Manufacturing||Ice Cream Manufacturing||Rail Transport|
|Bricklaying Services||Industrial Gas Manufacturing||Railway Equipment Manufacturing|
|Brown Coal Mining||Industrial Laundries||Real Estate Agents|
|Building Societies||Industrial Machinery and Equipment Manuf.||Recorded Media Manufacturing and Publishing|
|Building Supplies Wholesaling||Information Storage and Retrieval Services||Recorded Music Retailing|
|Business Administrative Services||Ink Manufacturing||Recreational Parks and Gardens|
|Business and Professional Associations||Inland Water Transport||Religious Organisations|
|Business Machine Wholesaling||Inorganic Industrial Chemical Manufacturing||Residential Building Construction|
|Business Management Services||Interest Groups||Residential Care Services|
|Business Services||International Sea Transport||Residential Property Operators|
|Cafes and Restaurants||Iron and Steel Casting and Forging||Retailing|
|Cake and Pastry Manufacturing||Iron Ore Mining||Road and Bridge Construction|
|Car Retailing||Jewellery and Silverware Manufacturing||Road Freight Forwarding|
|Car Wholesaling||Jewellery And Watch Wholesaling||Road Freight Transport|
|Cardigan and Pullover Manufacturing||Justice||Rock Lobster Fishing|
|Carpentry Services||Kiwi Fruit Growing||Roofing Services|
|Casinos||Knitting Mill Product manufacturing||Rope, Cordage and Twine Manufacturing|
|Cement and Lime Manufacturing||Labour Associations||Rubber Product Manufacturing|
|Central Bank||Landscaping Services||Rubber Tyre Manufacturing|
|Central Government Administration||Laundries and Dry-Cleaners||Salt Harvesting|
|Ceramic Product Manufacturing||Leather and Leather Substitute Product Manuf.||Salvage Service, Marine|
|Ceramic Product Manufacturing||Leather Tanning and Fur Dressing||Scheduled Domestic Air Transport|
|Ceramic Tile and Pipe Manufacturing||Legal Services||Scheduled International Air Transport|
|Cereal Food and Baking Mix Manufacturing||Libraries||Scientific Research|
|Cereal Grain Wholesaling||Life Insurance||Seafood Processing|
|Chemical Product Manufacturing||Lifting and Material Handling Equipment Manufa||Secondary Education|
|Chemical Wholesaling||Line Fishing||Secretarial Services|
|Child Care Services||Liquor Retailing||Security and Investigative Services|
|Chiropractic Services||Liquor Wholesaling||Services to Agriculture|
|Clay Brick Manufacturing||Livestock Farming||Services to Air Transport|
|Cleaning Services||Livestock Wholesaling||Services to Finance and Investment|
|Clothing Manufacturing||Local Government Administration||Services to Forestry|
|Clothing Retailing||Log Sawmilling||Services to Insurance|
|Clothing Wholesaling||Logging||Services to Printing|
|Clubs (Hospitality)||Long Distance Bus Transport||Services to Road Transport|
|Coastal Water Transport||Lotteries||Services to the Arts|
|Combined Primary and Secondary Education||Machine Tool and Part Manufacturing||Services to Transport|
|Commercial Art and Display Services||Machinery and Equipment Wholesaling||Services to Water Transport|
|Commercial Property Operators and Developers||Made-Up Textile Product Manufacturing||Sewerage and Drainage Services|
|Commercial Space Heating and Cooling Equip||Malt Manufacturing||Shearing Services|
|Commercial Vehicle Wholesaling||Manufacturing||Sheep Farming|
|Community Health Centres||Marine Equipment Retailing||Sheep-Beef Cattle Farming|
|Computer and Business Machine Manufacturing||Marine Fishing||Sheet Metal Furniture Manufacturing|
|Computer Consultancy Services||Market Research Services||Sheet Metal Product Manufacturing|
|Computer Maintenance Services||Mattress Manufacturing||Shipbuilding|
|Computer Wholesaling||Meat Processing||Short Distance Bus Transport|
|Concrete Pipe and Box Culvert Manufacturing||Meat Wholesaling||Silver-Lead-Zinc Ore Mining|
|Concrete Product Manufacturing||Medical and Surgical Equipment Manufacturing||Site Preparation Services|
|Concrete Slurry Manufacturing||Medicinal and Pharmaceutical Product Manuf.||Sleepwear, Underwear and Infant Clothing|
|Concreting Services||Men's and Boys' Wear Manufacturing||Smash Repairing|
|Confectionery and Soft Drink Wholesaling||Metal and Mineral Wholesaling||Soap and Other Detergent Manufacturing|
|Confectionery Manufacturing||Metal Coating and Finishing||Soft Drink, Cordial and Syrup Manufacturing|
|Construction Material Mining||Metal Container Manufacturing||Solid Paperboard Container Manufacturing|
|Construction Services||Metal Ore Mining||Sound Recording Studios|
|Consulting Engineering Services||Milk and Cream Processing||Special School Education|
|Contract Packing Services||Milk Vending||Specialised Food Retailing|
|Contract Staff Services||Mineral Exploration||Specialist Medical Services|
|Copper Ore Mining||Mineral Exploration Services||Speedway Operation|
|Copper, Silver, Lead and Zinc Smelting||Mineral Sand Mining||Spirit Manufacturing|
|Corrective Services||Mining and Construction Machinery||Sport and Camping Equipment Retailing|
|Corrugated Paperboard||Mining||Sports and Services to Sports|
|Cosmetic and Toiletry Preparation||Money Market Dealers||Sports Grounds and Facilities|
|Cotton Ginning||Motion Picture Exhibition||Spring and Wire Product Manufacturing|
|Cotton Growing||Motor Cycle Dealing||Squid Jigging|
|Cotton Textile Manufacturing||Motor Vehicle Body Manufacturing||State Government Administration|
|Courier Services||Motor Vehicle Dismantling and Used Part Dealing||Steel Pipe and Tube Manufacturing|
|Creative Arts||Motor Vehicle Hiring||Stevedoring|
|Credit Unions||Motor Vehicle Manufacturing||Stone Fruit Growing|
|Crop and Plant Growing||Motor Vehicle New Part Dealing||Stone Products Manufacturing|
|Customs Agency Services||Museums||Storage n.e.c.|
|Cut Flower and Flower Seed Growing||Music and Theatre Productions||Structural Metal Product Manufacturing|
|Dairy Cattle Farming||Newspaper Printing or Publishing||Structural Steel Erection Services|
|Dairy Produce Wholesaling||Newspaper, Book and Stationery Retailing||Structural Steel Fabricating|
|Dairy Product Manufacturing||Nickel Ore Mining||Sugar Cane Growing|
|Data Processing Services||Non-Building Construction||Sugar Manufacturing|
|Deer Farming||Non-Ferrous Metal Casting||Superannuation Funds|
|Defence||Non-Ferrous Metal Rolling, Drawing, Extruding||Supermarket and Grocery Stores|
|Dental Services||Non-Ferrous Pipe Fitting Manufacturing||Surveying Services|
|Department Stores||Non-Financial Asset Investors||Synthetic Fibre Textile Manufacturing|
|Deposit Taking Financiers||Non-Metallic Mineral Product Manufacturing||Synthetic Resin Manufacturing|
|Domestic Appliance Retailing||Non-Residential Building Construction||Takeaway Food Retailing|
|Domestic Hardware and Houseware Retailing||Non-Residential Care Services||Taxi and Other Road Passenger Transport|
|Electric Cable and Wire Manufacturing||Non-Scheduled Air and Space Transport||Technical and Further Education|
|Electric Light and Sign Manufacturing||Nursing Homes||Technical Services n.e.c.|
|Electrical and Electronic Equipment Wholesale||Nut, Bolt, Screw and Rivet Manufacturing||Telecommunication Services|
|Electrical and Equipment Manufacturing||Oil and Fat Manufacturing||Telecommunication, Broadcasting|
|Electrical Services||Oil and Gas Extraction - Offshore||Television Services|
|Electricity Supply||Oil and Gas Extraction - On Land||Textile Finishing|
|Electronic Equipment Manufacturing||Optometry and Optical Dispensing||Textile Floor Covering Manufacturing|
|Employment Placement Services||Organic Industrial Chemical Manufacturing||Textile Product Manufacturing|
|Explosive Manufacturing||Other Education||Textile Product Wholesaling|
|Fabricated Metal Product Manufacturing||Other Financiers||Tiling and Carpeting Services|
|Fabricated Wood Manufacturing||Other Mining Services - Offshore||Timber Resawing and Dressing|
|Fabrics and Other Soft Good Retailing||Other Mining Services - On Land||Timber Wholesaling|
|Farm and Construction Machinery Wholesaling||Other Periodical Manufacturing||Tobacco Product Manufacturing|
|Farm Produce and Supplies Wholesaling||Other Recreation Services||Tobacco Product Wholesaling|
|Fertiliser Manufacturing||Other Transport Equipment Leasing||Toy and Game Retailing|
|Fibreglass and Insulation Manufacturing||Paint Manufacturing||Toy and Sporting Good Manufacturing|
|Film and Video Distribution||Painting and Decorating Services||Toy and Sporting Good Wholesaling|
|Film and Video Production||Paper Bag and Sack Manufacturing||Trailer and Caravan Dealing|
|Financial Asset Broking Services||Paper Product Manufacturing||Transport Equipment Manufacturing|
|Financial Asset Investors||Paper Product Wholesaling||Transport|
|Finfish Trawling||Paper Stationery Manufacturing||Travel Agency Services|
|Fire and Security System Services||Parking Services||Tyre Retailing|
|Fire Brigade Services||Pathology Services||Underground Mining|
|Fish Retailing||Performing Arts Venues||Vegetable Growing|
|Fish Wholesaling||Personal and Household Goods Hiring||Veterinary Services|
|Floor Covering Retailing||Personal Services||Video Hire Outlets|
|Floor Covering Wholesaling||Pest Control Services||Waste Disposal Services|
|Flour Mill Product Manufacturing||Pesticide Manufacturing||Watch and Jewellery Retailing|
|Flower Retailing||Petroleum and Coal Product Manufacturing||Water Supply|
|Food Manufacturing||Petroleum Exploration||Water Transport Terminals|
|Food Processing Machinery Manufacturing||Petroleum Exploration Services||Wholesaling|
|Footwear Manufacturing||Petroleum Product Wholesaling||Wine Manufacturing|
|Footwear Retailing||Petroleum Refining||Women's and Girls' Wear Manufacturing|
|Footwear Wholesaling||Pharmaceutical and Toiletry Wholesaling||Wood Chipping|
|Foreign Government Representation||Pharmaceutical, Cosmetic and Toiletry Retailing||Wood Product Manufacturing|
|Forestry||Photographic and Optical Good Manufacturing||Wooden Furniture and Upholstered Seat Manuf.|
|Freight Forwarding||Photographic Equipment Retailing||Wooden Structural Component Manufacturing|
|Fresh Meat and Poultry Retailing||Photographic Equipment Wholesaling||Wool Scouring|
|Fruit & Vegetable Retailing||Photographic Film Processing||Wool Textile Manufacturing|
|Fruit & Vegetable Wholesaling||Photographic Studios||Wool Wholesaling|
|Zoological and Botanic Gardens|
- Association Liability
- Broadform Liability
- Business Packages
- Commercial Hull
- Commercial Motor
- Construction Risks
- Contract Works
- Contractors Plant
- Crop Insurance
- Directors & Officers Liab
- Employment Practices Liab
- Farm Packages
- Fire & Perils
- General Property
- Group Personal Accident
- Holiday Home
- Home – Prestige
- Home & Contents Insurance
- Home Removals
- Home Warranty
- Information Technology Liab
- Jewellers Block
- Journey Injury
- Legal Expenses
- Liability – Public & Products
- Loss of Profits
- Management Liability
- Marina Operators Liability
- Marine Cargo
- Marine Transit
- Medical Malpractice
- Mobile Plant
- Mobile Telephone
- Motor – Commercial
- Motor – Private
- Motor – Fleet
- Motor Cycle
- Motor Trades
- Office Packs
- Personal Accident & Illness
- Personal Property
- Personal Valuables
- Pleasure Craft
- Pluvius / Weather
- Product Recall & Tamper
- Professional Indemnity
- Public Liability
- Ship Repairers Liability
- Strata – Commercial
- Strata – Residential
- Tax Audit
- Trade Credit
- Trades Packages
- Travel Insurance – Domestic
- Travel Insurance – Corporate
- Umbrella Liability
- Voluntary Workers
- Workers Compensation
Business package are the core of any business insurance program, and policies can provide protection for:
- Business property including contents and stock
- Business Interruption
- Loss of profits/ reduction in turnover after a loss
- Money Cover
- Machinery Breakdown
- Electrical Equipment
- Employee Theft
- Tax Audit
- Glass cover
- General Property (property away from your premises)
- Personal Accident
At Statewide,we can arrange a business package to provide broad coverage against any variety of risks associated with your business. Please contact us for further Business Package discussion.
Builders Warranty Insurance or Home Warranty Insurance is a required insurance for licensed (or owner builders) within Australia.
Our Construction Insurance Services division provides coverage for all Builders Warranty and Construction Risks, and has been covering the WA Building Industry since 2003.
Builders or Home Warranty is designed to protect against the non-completion or defective workmanship should the builder die, disappear or become insolvent.
It has a cover period of 2 years for non structural defects and 6 years for structural defects from the completion of the contract. The cover must be obtained prior to receiving any payment in relation to the contract.
For many organisations in Australia, standard business insurance does not adequately cover their business for the risks and exposures that can cripple their operations and livelihood.
An Industrial Special Risks Insurance policy has open-ended wording, which means cover is not limited to selected risks. Instead, you are protected against most losses and damages except for exclusions noted in the policy.
An ISR policy is often the most flexible policy available and is recommended to organisations with significant sum insured values (typically over $5m).
Depending on your specific requirements, an Industrial Special Risks Insurance policy covers the following:
- Loss and/or damage to buildings, plant and machinery, contents, stock, raw materials, unregistered vehicles and the property of directors and employees
- Loss of profits, revenue or rentals and/or increased expenses caused by damage to insured property and also by contingent damage to property at the premises of suppliers, customers and utilities.
- Burglary, theft of money and employee dishonesty
- Accidental damage and glass breakage
- Removal of debris, extra costs or re-instatement, re-writing of records and professional fees.
Contract Works Insurance provides cover against risks associated with civil, commercial and residential construction projects, and is designed to assist Licensed builders and Contractors meet their contractual obligations to insure a building project and the materials on-site against loss or damage.
Contract Works Insurance usually covers:
- Loss or Damage to the insured construction project
- Loss or damage to third party property
- Personal Injury to a third party person.
At Statewide, we can arrange cover for:
- annual and job-specific policies for licenced builders, for any sized project
- extend your annual contract works policy to include cover for your tools if they are damaged or stolen
- add your clients’ existing structure to your policy if needed when carrying out extensions or renovations to their home
- source Public Liability policies provide cover for property damage and personal injury claims for which you are legally liable.
At Statewide, we have access to a suite of specialist insurance policies to cover you and your business against cyber crime and the new data privacy legislation.
If you deal in the internet, email, websites, computer programs, data and from storage, as most businesses do, then it makes sense to have a Cyber policy protecting your operations.
Privacy Protection & Cyber Insurance
can include cover for:
- Privacy Protection – Third party claims from a failure to keep data secure.
- Breach Costs – Reimbursement of your own costs when a data breach occurs.
- Business Interruption – Compensation for lost or reduced revenue.
- Cyber Liability – Third party claims as a result of content in email, on the intranet, extranet or website.
- Hacker Damage – Reimbursement for costs to repair, replace or restore systems and data as a result of a hack.
- Cyber Extortion – Payment of ransom demands, and specialist consultant fees, where a hacker holds, or threatens your network, programs or data.
Statewide is able to arrange insurance solutions for personal accident, corporate travel, and all accident and health solutions.
From a personal accident and sickness policy for a tradesman, to comprehensive travel and medical policies for your staff working locally and overseas, we can provide a range of insurance options depending on your specific needs.
- Individual Accident and Sickness
- Group Accident and Sickness
- Group Voluntary Workers
- Group Journey Insurance
- Corporate and Group Travel
- Association and Group Liability
Management Liability Insurance protects you and your company against the risks and exposures of running the company (i.e. your liability for mismanagement).
Without adequate protection you could risk losing, not only your business, but also your personal assets. This insurance therefore protects you personally and therefore your wealth and lifestyle. The legal costs to defend allegations of wrongful acts alone can be financially crippling for businesses and individuals.
Management Liability Insurance not only protects Directors & Officers for legal liability they may incur personally in managing a corporation, it also extends to the corporation itself for certain types of claims.
Management Liability Insurance will generally cover the following amounts in relation to the above actions:
- Representation costs where a Director or Officers is legally required to attend an inquiry or investigation relating to the affairs of the corporation
- Legal costs & expenses in the defence and investigation of a Directors & Officers claim
- Any compensation required to be paid by the insured in order to dispose of a Directors & Officers claim.
Actions against the corporation or losses sustained by the corporation generally covered by a Management Liability Insurance policy include:
- Directors & Officers liability
- Company reimbursement
- Company liability
- Employment practice liability
- Trustee liability
- Business crisis consultant fees
- Representation costs in respect of an occupational health & safety investigation
- Direct Financial Loss
Employment Practices Insurance is a type of liability insurance covering wrongful acts arising from the employment process.
It provides comprehensive protection against errors and omissions in the management and administration of human resources. In essence, it is an HR malpractice policy. The most frequent types of claims covered under such policies include:
- wrongful termination
- sexual harassment
In most cases the policies cover claims from a variety of other types of inappropriate workplace conduct that are employment-related: defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation.
At Statewide, we have a range management liability insurance options with policies that cover directors and officers, management personnel, and employees as insureds.
Although employment practices liability insurance is available as a stand-alone coverage, it is also frequently sold as part of a management liability package policy.
Public Liability Insurance and Products Liability Insurance covers your business against legal costs and compensation payments resulting from injuries or property damage to your clients, contractors or members of the public, which is caused by you or one of your employees.
Public and products liability insurance policies can tailored to your specific business requirements to cover your legal liabilities, no matter what occupation or industry.
If you own a townhouse, unit, apartment or strata business and you’re sharing common space with others, you don’t want to be left to foot the bill if there’s damage to shared parts of the building or items.
Strata Insurance can protect the building’s common areas or facilities, with the premiums paid for by the owners’ corporations.
Who needs consider it?
Residential strata insurance is compulsory in every state – so if you’re part of an owners’ corporation in a townhouse, unit, flat, apartment or duplex, the owner’s corporation will need strata insurance. Business owners who work in a strata building should also consider Strata Insurance.
What can it cover?
Strata Insurance can cover the building and all common or shared property, and contents which belong to the owners’ corporation. The type of cover and its cost will depend on the kind of building, where it’s located and the amount of common property you share. It may include:
- Swimming pools
- Car parks
- Common areas
- Shared contents
Statewide is able to arrange all Commercial Property Insurance coverage needs.
Please contact us for an obligation free discussion.
Workers’ compensation insurance is compulsory for all employers in every state and territory in Australia.
Each state or territory has its own workers’ compensation scheme, run by independent regulators, with rules differing slightly between each jurisdiction.
What can it cover?
Workers’ compensation insurance pays employees who are injured at work or become sick because of their work. Workers’ compensation insurance can cover:
- Employees’ wages if they’re not fit to work
- The cost of their rehabilitation and medication
IT Liability is an insurance protection for organisations against legal liability arising from the failure of their IT products, services and/or solutions (or a combination of all).
Information Technology Liability Insurance combines traditional product liability insurance coverage to protect against to the specialist exposures of Information Technology suppliers and consultants.
In addition to product coverage, IT Insurance incorporates both Professional Indemnity and Public Liability into one insurance solution for the Information Technology industry.
Best Suited For:
Internet Service Providers
Maintenance & Repair
Data Warehousing/Bureau Services
Education and Training
Facilities Management & Outsourcing
IT Recruitment & Placement Services.
The nature of IT industry means that it is likely to be confusion over whether a claim should fall under a public/product liability policy (covering third party claims for property damage and personal injury), or a professional indemnity policy (that covers third party claims for financial loss).
If the policies are placed separate and, particularly, if they are placed with different insurers, a claim could potentially fall between the two policies.
IT Liability insurance removes any such queries and concerns, and ensures full coverage for both Liability, and Professional Indemnity risk.
Whether you’re a large-scale crop grower or livestock producer or a small family or hobby farm, Farm Insurance can help protect your farm, its produce and livestock – and the people who benefit from it.
Farm insurance can be tailored to cover your home and farm buildings, livestock, vehicles, equipment and more. It can also safeguard you against theft and loss of income.
A typical Farm Pack includes:
Protection for domestic property and belongings from insured events or accidental damage
Accidental damage and theft cover for farm assets, from silos and sheds, to tractors and utes
Cover against third-party claims for personal injury or property damage and legal costs
Accident and sickness cover, with regular payments to help keep your business running if you’re injured or fall ill
The potential to insure the value of your crops.
Significant loss of equipment, structures, crops or livestock can devastate your business and end generations of investment: which is why having a comprehensive Farm Insurance program is critical to the long-term success of your farm.
Statewide can offer a comprehensive range of products that can be tailored to protect the specific elements of your farming business:
- Home & General Farm Property
- Public & Products Liability
- Private & Farm Motor Vehicles
- Crop insurance
Personal Accident & Sickness
- Land Transit
- Machinery Breakdown
- Computer/Electronic Equipment
- Tax Audit
If you own a rental property, you’re vulnerable to the same risks of any homeowner, such as storms, floods and fire. You’re also vulnerable to damage that tenants can do to your contents.
And if you can’t rent out your property while it’s being repaired or if your tenants break the lease or leave owing you rent, you could also lose valuable rental income.
A landlord insurance policy may include:
- Automatic cover for flood, fire or explosion
- Liability cover for injury or loss of life to a third party or their property
- Cover for to landlord’s contents – like carpets, curtains, washing machines and ovens
- Catastrophe cover
- The option to cover loss of rent
- Loss or damage caused by tenants or their visitors
- Electric motor burnout
- Tax audit cover
- Extra cover for demolition and debris removal
Professional Indemnity Insurance covers legal costs and expenses incurred in your defence, as well as any costs that may be awarded, if you are alleged to have provided inadequate advice, services or designs that cause financial loss to your client.
The most common types of claims brought against professionals involve allegations of professional negligence and/or misleading and deceptive conduct.
Professional Indemnity Insurance will generally cover:
Legal costs incurred in the defence and investigation of a Professional Indemnity claim
Any compensation required to be paid by the insured in order to dispose of a Professional Indemnity claim.
Damages awarded against professionals can be substantial and will generally relate to financial loss, bodily injury or property damage suffered by the claimant as a result of relying on the professional’s advice and/or services.
Professions that should consider Professional Indemnity Insurance include (but are not limited to):
Management and business consultants such as marketing consultants, training consultants and education consultants
IT professionals including IT contractors, consultants, programmers and developers
Recruitment agencies and recruitment consultants
Designers such as web designers, graphic designers and interior designers
Fitness professionals including personal trainers, dance teachers and yoga instructors
Teachers and tutors including private tutors.