Small Business Insurance Solutions

Health Facilities

Doctor's Surgery, Dentist's Surgery, Medical Rooms, Nursing Homes, Orthodontist, Radiologist, Veterinarian's Surgery

Risk

 

Summary Of Cover
Fire & Defined Events Essential Covers assets (e.g. building, contents, machinery) against loss or damage caused by fire and defined events (e.g. water damage, storm, malicious damage). Flood cover generally not included
Business Interruption Essential Provides cover for loss of income, payroll and an increase in costs following a reduction in turnover or revenue caused by fire damage.
Burglary Recommended Cover is provided for loss or damage following forcible entry to premises.
Money Recommended Cover is for the loss of money or negotiable instruments
Glass Recommended Where glass is accidentally broken, cover is provided for the cost of replacing or fixing the glass.
General Property Optional Provides cover for the cost of repairing or replacing specified items that are accidentally lost or damaged. e.g. cameras, mobile phones, tools
Electronic Equipment Recommended Provides cover for electrical, electronic and mechanical items (e.g. computers, faxes, printers, photocopiers) following loss or damage
Machinery Breakdown Optional Covers loss or damage to machinery as a result of breakdown. Spoilage of food following such a breakdown can also be covered.
Fidelity Guarantee Optional Covers losses sustained as a result of an act of fraud or dishonesty by employees
Public & Products Liability Essential Covers legal liability for injury to members of the public and damage to property arising from the business activities. Products liability covers liability for the distribution and/or sale or supply of products and services
Professional Indemnity Essential Covers liability for claims arising from breach of professional duty by reason of any negligent act, error or omission committed on the part of any person employed in the conduct of the business activities.
Personal Accident/Sickness Optional Provides cover following the accidental injury or illness of an insured person.
Partnership Optional Life insurance taken out on the partner of a business.
Superannuation Compulsary if you employ staff A compulsory sum paid periodically as contribution to a fund.
Worker's Compensation Compulsary if you employ staff A compulsory scheme for employers to cover employees injured in the course of their employment

Disclaimer
IBNA or it's Members are not liable to you or anyone else for any loss in connection with the use of the Insurance Finder.

You should not act on the basis of any information included in the Insurance Finder without obtaining professional advise.  The information included in the Insurance Finder is not comprehensive, provides only a summary of the subject matter covered and is not tailored specifically to your business.  You should make your own assesment of it and rely on it wholly at your own risk.

In this disclaimer, "Loss" means any loss or damage, however caused (including through negligence) which may be directly or indirectly suffered, and "Insurance Finder" means the SMall Business Insurance Finder and any information provided to you in connection with it including but not limited to, information relating to small business insurance solutions.