Insurance by product
Ardent builds insurance programs around your risk profile, across assets, liabilities and people. With 150+ insurer relationships through the Steadfast network, we can compare a wide range of insurers and terms for you.
Our covers, grouped by what they protect
Property Insurance
Protect your commercial buildings, fit-outs, contents, stock, and plant. We check that your sum insured reflects true replacement cost, which matters as construction costs continue to rise.
Learn more →Cyber Insurance
Cyber attacks are a growing threat to Australian businesses. The policies we arrange can cover data recovery, business interruption, ransom payments where the law allows, and third-party liability from breaches.
Learn more →Motor Fleet
From a single company vehicle to a fleet of hundreds: cover for damage, theft, third-party liability, and loss of use, with fleet discounting and agreed-value options.
Learn more →Business Interruption
When disaster strikes and you can't trade, BI insurance replaces lost gross profit and covers ongoing fixed expenses until you're fully operational again. It is often the most misunderstood cover a business holds.
Learn more →Marine Cargo
All-risks cover for goods in transit, whether imported, exported, or transported domestically. Annual open policies or single shipments, arranged for importers, exporters, and manufacturers.
Learn more →Machinery Breakdown
When critical plant fails, costs are immediate and severe. The policies we arrange cover sudden mechanical or electrical failure, and can include expediting repairs and the resulting business interruption.
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 →Contractors All Risk
Essential for construction and engineering projects. Covers accidental loss or damage to the contract works during construction, including plant, equipment, and third-party liability.
Learn more →Marine Hull & Pleasurecraft
Specialist coverage for commercial and recreational vessels: hull damage, salvage costs, and third-party liability, placed 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, with access to specialist markets standard 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 →Management Liability
Bundles D&O, Employment Practices Liability, and Statutory Liability into a single policy protecting both the entity and the individuals who run it.
Learn more →Professional Indemnity
Protects businesses that provide advice or professional services against claims that their work caused financial loss to a client. Mandatory in some industries, and worth holding in every one.
Learn more →Public & Products Liability
Fundamental cover protecting your business against claims for bodily injury or property damage caused to third parties by your operations or products.
Learn more →IT Liability
Designed for IT service providers, software developers, MSPs, and technology firms, combining Public & Products Liability and Professional Indemnity elements to address tech-specific exposures.
Learn more →Tax Audit Insurance
ATO and state revenue authority audits generate significant professional fees, even when you're fully compliant. Tax Audit insurance covers your accountant's fees throughout the audit process.
Learn more →Workers Compensation (referral partner)
Most employers must hold it, and the rules and exemptions vary by state and territory. We refer you to our partner Hewitt Hicks, specialists in each scheme, premiums and claims wherever you operate.
Learn more →Corporate Travel
Your duty of care for employees extends to all business travel. Annual multi-trip policies covering medical emergencies, evacuation, trip cancellation, lost luggage, and personal liability.
Learn more →Life Insurance (referral partner)
Personal and group cover, including term life, total permanent disability (TPD) and income protection, through our referral partner MBS Insurance, which advises and arranges cover under its own licence.
Learn more →Or start with what the business does
Each industry page sets out the covers that matter, where that sector gets caught out and what insurers expect at renewal.