Protect what your business owns
Asset insurance starts with understanding how each asset drives your operations and what a loss would cost. We map your exposures, stress-test your sums insured, and build a program that fits the business.
What a loss costs depends on what the asset does.
Asset risk is about which assets drive your operations, what a failure costs in practice, and whether your program is structured around those answers or set up to meet a minimum requirement.
Ardent starts by identifying your asset exposures, including business interruption dependencies, sum insured adequacy, and the operational controls that influence claims outcomes. We then design a program that addresses the full picture.
Fourteen covers for business and private assets
Property Insurance
Protect your commercial buildings, fit-outs, contents, stock, and plant against fire, storm, theft, and accidental damage. We check that your sum insured reflects true replacement cost, which matters as construction costs rise.
Learn more →Residential Strata
Common property, office bearers liability and loss of rent for owners corporations. The sum insured has to reinstate the building at today’s cost, and the valuation behind it dates faster than most committees expect.
Learn more →Commercial Strata
Retail, office, industrial and mixed-use schemes. Fit-out boundaries, whether the scheme can claim GST back on a rebuild, and how long a commercial building really takes to re-let all change the answer.
Learn more →Cyber Insurance
Cyber attacks are a growing threat to Australian businesses. The cyber policies we arrange can cover first-party losses (data recovery, business interruption, ransom payments where the law allows) and third-party liability from data breaches, structured around your digital footprint.
Learn more →Motor Fleet Insurance
Whether you run a single company vehicle or a fleet of hundreds, our motor programs cover damage, theft, third-party liability, and loss of use, with flexible agreed-value options and fleet discounting.
Learn more →Business Interruption
When disaster strikes and you can't trade, Business Interruption insurance replaces lost gross profit and covers ongoing fixed expenses until you're operational again. It is often the most misunderstood cover a business can hold.
Learn more →Marine Cargo Insurance
All-risks cover for goods in transit, whether imported, exported, or transported domestically. We arrange marine cargo programs for importers, exporters, and manufacturers, covering single shipments or annual open policies so there is no gap in the supply chain.
Learn more →Machinery Breakdown
When critical plant and equipment fails, the costs are immediate and severe. Our machinery breakdown policies cover sudden and unforeseen mechanical or electrical failure, including the cost of expediting repairs and the resulting business interruption.
Learn more →Contractors All Risk
Essential for construction and engineering projects. Covers accidental physical loss or damage to the contract works during construction, including plant, equipment, and third-party liability arising from the project.
Learn more →Marine Hull / Pleasurecraft
Specialist coverage for commercial and recreational vessels, covering hull damage, salvage costs, and third-party liability. Whether you operate a commercial fleet or a prestige pleasurecraft, we place with specialist marine underwriters.
Learn more →Prestige Home & Fine Arts
High-net-worth private client insurance for prestige residences, fine art collections, jewellery, and valuables. Our private client team has access to specialist markets that standard home insurers cannot match.
Learn more →Jewellers Block
Purpose-built insurance for jewellery retailers, manufacturers, and repairers. Covers stock in trade, customer goods, mysterious disappearance, money, and business interruption. Standard policies fall well short for the trade.
Learn more →Private Vault
Insurance for high-value assets held in private vault storage: precious metals, bullion, fine art, jewellery, and rare collectibles. Vault storage does not insure your assets; a dedicated policy does.
Learn more →Valuables
Agreed value, worldwide all-risks cover for portable high-value items: jewellery, watches, fine art, cameras, wine collections, and luxury accessories. Without the sub-limits, exclusions and geographic restrictions of a standard home and contents policy.
Learn more →What a client says about Ardent
Great service from Sarah and the team when it came to our insurance claim. Fast acting with the right people for the job and a great overall outcome.