Business Insurance

Peter Vickers Insurance Brokers present a range of business insurance options with a freedom to customise them according to your needs.
As specialists in providing insurance for small and medium businesses, our brokers will help you to select the right cover for your business needs. We can choose from a range of policies or select a business or trade package to ensure that you are adequately protected.
Directors’ & Officers’ Liability Insurance
A Directors’ and Officers’ policy protects the personal assets of directors and officers of a company by providing cover for a loss arising from a claim as a result of a wrongful act committed in the course of performing their duties.
Professional Indemnity Insurance
Provides cover for claims for errors, omissions, inappropriate skill level or advice given by a professional. Some policies cover in the event of a mistake even though there has been no negligence. Defence costs are also covered when the Underwriter agrees to indemnify the insured for any action taken by a third party.
Public/Products Liability Insurance
Covers the Insured’s legal liability for death, bodily injury and/or property damage caused by the negligence of the Insured whilst providing the nominated services and/or products.
Marine Transit Insurance
Provides for the repair or replacement of lost or damaged goods whilst being transported by road, rail, sea or air.
Boat Insurance
Provides cover for loss or damage to the insured item. Also covers claims for death or injury to others as well as damage to third party property.
Machinery and Computer Insurance
Covers mechanical breakdown or accident to machinery/computers used in the business. Any monetary loss during the breakdown period can also be covered.
Business Insurance
This is a package policy to cover the exposure of small to medium size companies. All or some sections can be selected to tailor the policy to the Insured’s requirements. The sections include fire, business interruption, accidental damage, public/products liability, burglary, money, glass, general property to cover goods away from the premises, engineering plant, electronic equipment and employee fraud. Some policies also include tax audit insurance.
Domestic Property
Covers loss or damage to buildings, contents and Insured’s liability as owner and/or occupier. The policy can also be extended to cover personal effects anywhere in Australia.
Landlords / Commercial Property Owners Insurance
Provides cover for damage to buildings, contents, loss of rent and public liability. The policy can be extended to cover rent default by a tenant and workers’ compensation.
Strata Plans
This is a package policy covering buildings, common contents and common property, liability, fidelity guarantee, office bearers’ liability, personal accident and workers’ compensation.
Personal Accident & Illness Insurance
Provides a weekly salary in the event of accident or illness. There is usually a maximum of fourteen days waiting period before benefits are payable. There is provision in the policy for a lump sum – 100% of the lump sum is paid on death or permanent disablement and then there is a sliding scale of payments for the loss of limbs, eyes or ears. Cover is for a maximum of 104 weeks in the event of a serious incident.
Contract Works
This insurance is arranged by the contractor and usually covers both the contractor and the property owner. The policy covers any loss or damage to the contract works and any public liability attached. If there is a risk of the works damaging existing property the policy can be extended to cover that exposure. Cover is also available for owner builders.
Trade Insurance
This is a package policy which can be tailor made to suit the individual tradesman. The sections of the policy available include fire, business interruption, accidental damage, public/products liability, burglary, money, glass, general property to cover goods away from the premises, engineering plant, electronic equipment and employee fraud. Some policies also include tax audit insurance.
Commercial Motor/Fleet Insurance
Cover can be obtained on a comprehensive basis for loss or damage to single vehicles or fleets. Cover for third party property damage only is also available for vehicles of low value.
Management Liability Insurance
This cover is designed to protect the individuals and the company in relation to exposures associated with managing a private company or not-for-profit entity. Cover includes the traditional Directors and Officers Liability, Employment Practices Liability, Fidelity Guarantee, Internet Liability, Trustees Liability and Kidnap Ransom and Extortion. Policies may be tailored to suit individual requirements.

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