Your legal costs

Covers the legal costs incurred in the defense or settlement of a public liability claim.

Damage to property

Covers the costs of injuries to third parties whilst visiting your premises, as well as first aid expenses at the time of an incident.

Injury to a third party

Covers the costs of injuries to third parties whilst visiting your premises, as well as first aid expenses at the time of an incident.

Loss or damage of goods in your care

Cover for loss or damage of goods which are in your care, custody or control, which you do not own.

Commercial strata insurance is designed to protect the specific insurance needs of commercial strata title properties, which aren’t always catered for under a standard commercial property insurance policy. Some of the additional covers available under a commercial strata policy include officer bearers’ liability cover and voluntary workers personal accident cover.

Ideal Brokers commercial property insurance offers comprehensive cover for commercial properties with values up to $200 million, including material damage, machinery breakdown, OHS legal costs and commercial liability exposure. You can customize your coverage to ensure you’re only paying for the cover you need, regardless of the size or type of your property.

Public liability

Protect your business against claims for damage or injury caused to an individual or their property as a result of your work.

Commercial vehicle

Add commercial vehicle cover to your trades insurance package, and cover your work vehicle and trailer.

Personal accident and illness

Covers you for loss of income if you are unable to work because of an accident or illness.

Tool and portable equipment cover

Without your tools, you can’t work – if your tools are stolen, damaged or lost tool cover ensures you can replace them and get back to work ASAP.

Civil liabilities

Covers you against claims of breach of duty, defamation, loss of or damage to documents, infringement of intellectual property and more.

Public relations costs

Covers the costs of a public relations consultant to help mitigate reputation damage following a claim against your business.

Claims investigation costs

Covers the costs of investigating, defending and settling claims made against you.

Injury and property damage

Bodily injury and property damage claims arising from the professional services covered by the policy.

Home and contents

Protect your domestic homestead as well as your farm operations by including home and contents.

Farm property

Protect your farm buildings, contents, machinery, fencing, hay and livestock in the event of a fire or defined event like storm damage.

Farm liability

Protect your farm against liability claims for accidental property damage or personal injury as a result of your farm operations.

Farm vehicle

Add cover for your farm vehicles, including cars, tractors, trucks, utes, motorcycles, quad bikes, trailers, forklifts and mobile machinery.