COMMERCIAL INSURANCE

Committed to Serving Our Clients

At Sun Insurance we write all types of risk from marine insurance to farm insurance, and, we are highly specialised in the hospitality, liquor retailing, vineyards, body corporate and buildings areas.

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At Sun Insurance, we help people take care of the risks and potential challenges their business faces.

When you are running a busy business, most of your time is devoted to the task ahead of you – whether it’s keeping customers happy, dealing with staff, government departments, builders or making sure orders arrive in time.

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All this running around makes it easy to miss things, like the risks your business faces from alcohol, gaming, council and many other regulations depending on your specific business.

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At Sun Insurance, we know the hospitality, retail, import and distribution industry inside out, and understand the finer points of running a café, restaurant, bar, liquor store or distribution company.

We are able to pinpoint the risks that you face, help you manage and protect them, and give you peace of mind that we will be there for you when you need us.

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No matter your industry Sun Insurance specializes in creating the best coverage plans for each and every situation.

We work to help you move on with your lives the best way possible while knowing that your assets and businesses are in good hands.

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confidence that your business can keep doing what it’s good at.

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Business Plan

Insurance is important for keeping your business on the go, yet it is often seen as a low priority.  Our Business Plan insurance allows you to focus on running your business knowing you are covered for a range of risks.

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You can choose from nine different cover types to build a customized insurance plan, which can also make it easier if you need to claim.

Business insurance cover available

• Business vehicles
  From one vehicle through to large fleets.  We can cover damage to your business vehicles, liability for damage to other vehicles, costs for load recovery and salvage costs as well as some other defence and liability costs. e.g. liability under the Sentencing Amendment Act 2014.

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• Material damage
  Covers loss or damage to your commercial buildings, contents, plant, stock and other assets. Features include cover while your business assets and stock are being transported up to $5,000, theft from locked vehicles, cover for costs incurred to protect your property (e.g. if there is a fire on a neighbouring property).

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• Business interruption
  If a business stops, it fails. We make it our business to keep you going. Our Business Interruption policy covers you for your financial loss if your business is interrupted by:

  • damage at your premises, including interruption of water, power or gas to your business

  • interruption to the supply of goods to your business

  • access to your property being limited or cut off.

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• Broadform liability

• Provides cover if your business is legally required to pay compensation for personal injury or property damage.

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• Employers’ liability

• Personal injury claims from employees can be costly to your business. This cover is available to protect you from the loss.

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• Statutory liability
  Provides cover for fines your business is ordered to pay resulting from statutory liability claims e.g. Health and Safety at Work Act 2015, Privacy Act 1993, Fair Trading Act 1986.

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• Machinery breakdown
  We understand that specialist machinery can be a significant investment for your business. This is designed to cover the cost to repair or replace it if it’s damaged as a result of a mechanical or electrical breakdown. If your team can repair it, we’ll cover the cost of parts and labour. We’ll also cover transport costs, which can really add up if the parts or machinery need to be sourced overseas.

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• Personal income
  This cover can provide income to you if you’re unable to work as a result of an injury or illness. You can choose different options including monthly benefit and/or lump sum payment.

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• Employee fraud
  As much as we’d like to believe otherwise, sometimes employees aren’t honest. This cover is for money or goods you’ve lost due to the dishonesty of an employee, including temporary employees. This cover also extends to social club property.

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Call us today to schedule an appointment and to start de-stressing your life.

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