Insurance by industry
The same three questions apply to every business: what would a loss cost, which policy responds, and what does the insurer expect from you. The answers change by sector. These pages set out what we see in each one, the covers that matter and the conditions that catch people out at claim time.
Start with the page closest to your business
If yours is not listed, the risk review works the same way. We start with what you do and build the program from there.
Jewellery & Fine Arts
Jewellers Block, Private Vault and Valuables cover for jewellery retailers, manufacturers and wholesalers.
Insurance for jewellersConstruction & Development
Contractors All Risk, liability and professional indemnity for Australian builders, civil contractors and developers, read against the contracts you sign.
Insurance for builders and contractorsProfessional Services
Professional indemnity, management liability and cyber cover for Australian accountants, consultants, architects, engineers and advisors.
Insurance for professional services firmsRetail & Hospitality
Property, business interruption and liability cover for Australian shops, cafes, restaurants, bars and venues, sized to the lease and the season.
Insurance for retailers and hospitality businessesTransport & Fleet
Motor fleet, cargo and liability cover for Australian couriers, freight carriers and trade fleets, with driver and carrier conditions explained.
Insurance for transport and fleet operatorsTechnology & IT
IT liability, cyber and management liability cover for Australian software companies, IT consultancies and managed service providers.
Insurance for technology businessesManufacturing & Trade
Property, machinery breakdown and products liability for Australian manufacturers, wholesalers and importers, from the factory floor to the customer.
Insurance for manufacturers and trade businessesMarine & Logistics
Cargo, hull and liability cover for Australian freight forwarders, warehouse operators and vessel owners, matched to the trading conditions you work under.
Insurance for marine and logistics operatorsProperty & Real Estate
Building, loss of rent and professional indemnity cover for Australian commercial landlords, property investors and real estate agencies.
Insurance for property owners and real estate businessesStrata
Residential, commercial and mixed-use schemes. Common property, office bearers liability and loss of rent, set against a valuation that still reinstates the building.
Insurance for strata schemes and owners corporationsHealthcare & Allied Health
Practice indemnity, cyber and management liability cover for Australian medical centres, dental practices and allied health clinics.
Insurance for healthcare and allied health practicesBeauty & Personal Care
Treatment liability, professional indemnity and business interruption cover for Australian salons, day spas, laser clinics and cosmetic injectable practices.
Insurance for beauty salons and clinicsChildcare & Early Learning
Liability, management liability and property cover for long day care, preschools and outside school hours care, sized to your approved places and what happens off the premises.
Insurance for childcare and early learning centresAgriculture & Primary Production
Farm property, liability and vehicle cover for Australian farms, orchards, vineyards and livestock operations, with the schedule matched to what stands on the property.
Insurance for farms and primary producersFinance & Fintech
Professional indemnity, management liability and cyber cover for Australian financial services licensees, brokers, lenders and payment platforms.
Insurance for finance and fintech businessesEngineering & Infrastructure
Professional indemnity, contract works and liability cover for Australian consulting engineers, surveyors and infrastructure contractors.
Insurance for engineering and infrastructure firmsFood & Beverage
Products liability, recall, property and business interruption cover for Australian food manufacturers, breweries, wineries and packaged goods brands.
Insurance for food and beverage producersPharmaceuticals & Life Sciences
Products liability, recall, cold chain and cargo cover for Australian pharmaceutical manufacturers, wholesalers, compounders and medical device businesses.
Insurance for pharmaceutical and life sciences businessesNot-for-Profit
Association liability, public liability and volunteer cover for Australian charities, associations, clubs and community organisations.
Insurance for not-for-profits and community organisations