Every business faces different risks and it is important to have the correct insurance in place to protect your business. At RIS, our retail and commercial insurance division provides specialised tailored insurance solutions.
So whether you own a retail shop, run an office, are a commercial property owner or have an industrial business, we have an insurance solution to suit your needs.
A compulsory insurance for all employers covering employees injured whilst in your employment based in all Australian states and territories, and employees visiting other states and territories on employer’s business.
With income protection insurance you can secure a steady income to help protect your lifestyle while you’re ill or injured. Income protection is a monthly benefit that pays you up to 75% of your income and covers you for accidents, illnesses or major traumas.
Key man insurance is a type of corporate-owned life insurance which insures an employer against the death or incapacitation of a so-called key employee, usually an executive or partner. It is used by both large companies and small partnerships alike.
Providing insurance for financial loss to the business as a result of default by debtors.
This covers professional fees incurred in responding to an audit or investigation arising from any return lodged by your business, your accountant or by individuals with any statutory authority.
A combined insurance covering loss or damage to employees’ personal effects, including money and travel documents, medical and additional expenses incurred whilst employees are travelling on company business.
Death and capital benefits arising out of personal accident or sickness can also be provided for, together with hijack and detention expenses, kidnap and ransom costs, cancellation or curtailment expenses, loss of deposits, alternative employee expenses, personal liability, collision damage and theft waiver and extra territorial workers’ compensation.
Loss arising from the cancellation or abandonment of a scheduled event.
In addition to cover for the building and common liability, residential strata insurance can also provide the following covers in accordance with the strata titles act: directors’ and officers’ liability, fidelity guarantee for misappropriation of strata funds and providing personal accident cover for voluntary workers.
Loss as a result of an act of fraud or dishonesty committed by employees
Insurance for loss or damage to machinery due to mechanical or electrical breakdown including deterioration of stock resulting from the breakdown of refrigeration equipment.
Package insurance for loss or damage to your office contents and/or building including public liability, money, computer equipment.
Package insurance for loss or damage to your business contents and/or building including public liability, money, computer equipment, machinery.
Insurance for tradesman covering public liability, tools and equipment, vehicles etc.
Your legal liability to third parties for personal injury or property damage caused by an occurrence during the period of insurance and arising out of your business and/or products.
Insurance for loss of income following loss or damage to your business.
