Commercial Insurances

You’ve worked hard to build a thriving business, but life can be unpredictable. Rest assured, we’ve got you covered.


Business Insurance

The most common form of Insurance, providing Small and Medium sized Business & Property Owners with a comprehensive range of cover incorporated under the one policy.

Available sections include: Fire & Perils, Business Interruption, Burglary, Money, Glass, Public & Products Liability, Machinery Breakdown.


Industrial Special Risks

The Industrial Special Risks Policy or more commonly known as ISR provides an ‘all risk’ style policy for larger companies with asset values generally exceeding $5 million in value.

This policy can be tailored to suit individual requirements and combine both the Property and Business Interruption Sections. It provides a streamlined approach particularly with businesses that have multiple locations.


Business Interruption Insurance

Business Interruption insurance is designed to put the Insured business back in the same position, as near as money will allow, to that which they would have enjoyed but for the loss. Get in touch with us today to learn more about how this vitally important insurance will help protect your business.


Public & Products Liability

A necessity for anyone or any company operating a business. Provides coverage for Personal Injury and / or Property Damage caused by or in connection with your Business and Products as a result of your negligence. Limits can be tailored to suit individual business requirements but generally would be a minimum of $10,000,000 up to larger more complex risks requiring $250,000,000. Excess Liability and Umbrella Liability solutions can also be tailored to suit business requirements.


Management Liability

Provides protection for the Directors and Officers, and the Company itself against the many exposures relating to the management of a company. Cover also includes, Alleged Wrongful Acts by the company or individual, Sexual Harassment, Unfair Dismissal, Crime (Fraud / Embezzlement), Statutory Liability and Tax Investigation.


Mobile Plant & Machinery

Provides protection for Loss or Damage to mobile plant & machinery items such as Bob Cats, Skid Steer Loaders, Forklifts, Rail Tamping Machinery and the like.

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Professional Indemnity

Provides protection against a breach of a company or individuals professional business practice. Unlike the Public / Products Liability coverage which provides for Bodily Injury and/or Property Damage, the Professional Indemnity coverage is designed to protect business against financial losses that they cause to a third party. Any business or individual who provides a fee for their services should hold a policy.


Freight Forwarders Liability

Freight Forwarders and Customs Brokers are potentially exposed to a wide variety of liabilities in respect to the services they provide. This policy is designed to provide protection against these exposures, including liabilities against third parties, loss of or damage to cargo, errors and omissions, removal of abandoned cargo, breach of regulations and loss of or damage to owned or leased equipment such as containers.



Marine Cargo Insurance

Provides cover for loss of or damage to goods that are being shipped from or to overseas destinations or inland within Australia.


Corporate Travel Insurance*

*Due to the COVID-19 pandemic, we have paused our travel insurance offerings until domestic and international travel resumes and is back to normal. We apologise for any inconvenience.

For companies that engage in travel both within Australia and Overseas, the Corporate Travel policy provides broad coverage against losses such as Medical & Hospital Costs, Personal Liability, Hire Car Excess, Missed Transport Connections, Kidnapping, Hijack and Ransom. The policy can be designed to incorporate Private Leisure Travel for Directors and Senior Management positions such as CEO’s, CFO’s as well as any accompanying Spouses / Partners and Dependent Children.
For Personal Travel insurance please click here.  For Business Class for Employees Travel Insurance please click here.


Cyber Liability

With the ever increasing threat of a data breach, cyber liability insurance is no longer a luxury, but an integral part of your daily business. Cyber liability insurance can protect your business from threats such as hackers and a host of other threats that can leave a lasting impact on your business. It’s important to learn what threats you are facing and how to mitigate that risk.


Carriers Goods in Transit

This policy offers a flexible insurance cover for customer’s goods in transit, allowing the carrier to arrange compensation for goods lost or damaged irrespective of legal liability. Premium charged for this policy is by deposit, adjustable on gross freight earnings.



Workers Compensation

A legislated requirement for any company operating within Australia and sole traders/partnerships who employ persons within their business. The Acts in each State and Territory require employers in Australia to maintain compulsory insurance to cover their legal liability. These policies are designed to provide coverage for employees who sustain injuries within the workplace.


Trade Credit Insurance

Offering goods and services to customers on credit can leave businesses in a vulnerable position if one or more of them don’t pay. Although businesses may be able to manage some of the smaller bad debts that come along the way, large unexpected losses could be potentially devastating for businesses.


Motor Vehicle Fleet

Provides a streamlined and simple approach for companies with a large number of vehicles. Policies can be tailored to suit the individual requirements and by placing all vehicles under the one fleet policy the premium savings can be significant.The Motor Fleet policy can provide a generous list of additional benefits such as Lease Payout Protection, No Age Restrictions on Drivers & Faultless Excess Conditions.


Heavy Commercial Transport Fleet

Policies can be tailored to meet individual requirements, including market value, sum insured/agreed value, 2-year replacement for new vehicles, employees personal property hire vehicle following theft, signwriting and much more.

Some insurers offer individually tailored risk-management service at no additional charge. This helps heavy transport operators to develop and implement strategies to help mitigate accidents and operational risks and manage their insurance costs.

While we have your business risk covered, in a serious event what you value most could also be at risk, namely you, your family and your livelihood. Our sister company, Logical Financial Management, is able to provide advice with respect to various insurances which provide coverage for a sum of money to be paid to you, or your beneficiaries if you were to pass away, suffer a serious illness, or be unable to work due to illness or injury. Properly structured life insurance cover is the most important financial asset your family can own, giving you the peace of mind of knowing that you and your family are protected.

You’ve also worked hard so you can eventually retire. Logical Financial Management are able to provide advice with respect to preparing for retirement, including Superannuation (incl. Self Managed Super Funds), and portfolio construction to enable you to enjoy a financially worry free retirement.


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