Insuring the Business
An assessment of possible risks within a business and relevant insurance policies to assist in mitigating the effects of these risks is important to ensure you and your business are protected.
We are also able to refer you to a the appropriate insurance provider.
Below are most of the insurances that can be obtained:
Product Liability
Covers damage or injury caused to another business and/or person by the failure of your product or a product you are selling. If you are selling products, this is important insurance for your business.
Professional Indemnity
This protects you from legal action taken as a result of a breach of professional duty through negligence, error or omission. This type of insurance is critical for people who provide professional advice.
Material Damage
This covers assets of your business such as buildings, stock, plant & equipment against physical loss, destruction or damage.
Burglary
Covers loss of or damage to stock, plant & equipment and other contents caused by burglars.
Directors’ & Officers’ / Employment Practice Liability
Provides cover to Directors and various other officers of a company for certain instances where they can be personally sued.
Tax Audit
Provides insurance cover for the fees rendered by Accountants etc during the course of an audit. Bentleys offers this insurance to its clients each year, at competitive rates.
Glass Breakage
This enables you to ensure against breakage of fixed external and internal glass and other nominated breakable objects such as signs.
Money
This provides protection for money while in transit and in various other circumstances.
Key Person Insurance
This is insurance for the business if something happens to a person who is key to the operation of the business.
Electrical Mechanical Breakdown
This allows you to ensure nominated items of electrical and mechanical plant against sudden and unforeseen physical damage.
Computer and Electronic Equipment
This ensures nominated computers and electronic equipment against sudden and unforeseen damage.
Corporate travel
Provides insurance against theft of goods or personal injury whilst travelling.
Contract works – Insurance
Insurance to cover the cost of damage to property whilst it is being constructed.
Home and Contents Insurance
Insurance that covers the cost of damage to buildings and their contents.
Landlord Insurance
Important insurance if you are in the business of renting properties to tenants.
Motor Vehicle Insurance
Covers specified motor vehicles against accidental damage and theft plus your legal liability for damage insured vehicles may cause to the property of others.
Goods in Transit
Gives you a choice of insuring nominated property while in transit by land or air against either:
- Accidental damage; or
- the more limited risks of fire, flood, collision, or overturning of the conveying vehicle
Workcover Insurance
This is an obligatory insurance policy if you are an employer. Bentleys is able to work with you in determining the appropriate types of insurance cover that you and your business needs.