Broadform Liability 94 Covers a business for loss or damage caused to third parties during the normal course of business. Workers Compensation 65 Compulsory insurance for any business with employees. Provides protection to employees in the event of injury or illness as a result of an unsafe work environment. Generally contractors also deemed employees in the fitness sector Business Interruption 61 Following a claim this policy will provide ongoing payments until your business is generating pre loss income. Personal Accident 59 Replaces an individual's income if they are unable to work due to injury or illness. Professional Indemnity 48 Covers claims for financial loss, personal injury or property damage of third parties arising from an act, advice, error or omission in the performance of your professional service. Business Property Insurance 45 This covers a business fixed premises. Cover can be tailored but typically includes fire and perils, theft, money, glass, business interruption, machinery breakdown and electronic equipment failure. Cyber Risks 45 When a malicious attack is made on a company's IT systems, this coverage will provide cover for such things as restoration of data, claims from third parties due to privacy breaches or you cause damage to their system as a result of a virus you transmit. Coverage can also respond to cyber extortion and ransom demands. Machinery Breakdown & Electronic Equipment 41 Typically taken to protect the electronic and mechanical equipment of a business. Can be covered either under a standalone policy or be attached to a business property policy. Cover includes repair/replacement of damaged items and can include loss of stock and business interruption. Management Liability 41 The coverage is designed to protect corporations as well as their directors & officers who may incur legal and financial liabilities because of the management, operation and/or ownership of a business. Claims can result from changes in legislation, regulatory investigations, shareholder actions, creditor actions and employee initiated claims alleging discrimination, harassment or unfair dismissal. Marine Transit 35 Provides cover for your items in transit. Various levels of cover but generally all respond to loss or damage because of fire, flood, collision, overturning, theft and loading/unloading. Comprehensive Motor 31 Covers loss or damage to an insureds vehicle, as well as loss or damages caused by you to third parties. Tax Audit 26 Covers the professional cost involved in responding to an ATO audit, enquiry or investigation. Trade Credit Insurance 10 This will cover a business from loss due to non-payment by debtors, generally because of insolvency. Key Person 9 Allows a business to receive a lump sum payout in the event of death or disablement of a critical person to a business. Partnership Insurance 8 When one or more partners are involved in a business, provides the funds to buy out a partner or their estate in the event of death or disablement.