Intellichoice is able to provide businesses of all sizes with a comprehensive range of commercial insurance and business insurance products that cover commercial property, liability, casualty, motor, construction, engineering and workers' compensation.

Business Insurance

• Business insurance allows you to protect and cover:

» A key person who is vital to the ongoing success of the business

» Loan guarantor cover

» Succession planning with the purchase of the business from an outgoing director or owner

• Business insurance will use one or several of the insurance products described previously, to achieve the specific requirements needed

• Business Expense Plans are specific cover that will pay expenses each month, if the policy owner cannot work due to illness or injury

• Typical expenses covered include rent, home or personal loans, overheads and wages

• Protects your business and assets

• Includes cover for your building and business contents and stock for certain specified events, such as fire, storm (but not flood), impact, lightening, explosion and earthquake. Also includes the cost of removing debris and theft of stock, electronic equipment and other business contents contained within your building, following forced and violent entry

• It is also optional to include accidental loss or damage to the property, loss of income for your business as a result of insured damage that happens at the insured premises, glass breakage, legal liability or personal injury or damage to property caused by an occurrence connected with your business and equipment breakdown

Business Insurance for Professionals

• Designed to protect professionals against a range of contingencies, whether you own an accountants or solicitors office, doctor's surgery, medical centre or graphic design studio

• Includes cover for fire and other damage (storm, lightening, earthquake, explosion, graffiti on your building), accidental loss or damage to the property, theft

• Optional to include loss of income for your business, glass breakage,, public and products liability, fraud and dishonesty, goods in transit and equipment breakdown

Commercial Motor Vehicle Insurance

• Covers a range of events from accidental loss or damage, fire, theft or attempted theft, malicious damage or storm damage to your business vehicles

Trade Insurance

• Designed to cover the needs of trade related businesses, such as plumbers, electricians and builders

• Covers you for risks such as fire, theft or accidents and public liability claims

Construction Insurance

• Includes liability, which provides a safeguard for employers should construction workers become injured on site

• Also includes cover for materials and machinery on the site in the event of an accident, fire or theft

A financial planner from Intellichoice will be able to provide you with more information on the various business insurance and commercial insurance policies available and recommend an insurance policy that suits your needs and requirements. Please speak with our financial planner on 1300 55 10 45 for more details.