Assurance Corp (Aust) Pty Ltd


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Assurance Corp (Aust) Insurance | Insurance Adviser Terrigal

Assurance Corp (Aust) is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in Terrigal our knowledge of the local insurance industry is second to none and our experience in handling insurance for many thousands of customers enables us to provide advice you can always trust. It also means you'll benefit from access to unrivalled financial strength, business efficiencies and buying power spanning every major insurer in Australia and New Zealand even access to major overseas insurers if and when required. We specialise in Antiques Insurance and Rare Books Insurance as well as a broad range of insurance products.

As your appointed General Insurance Adviser, we will:

  • Conduct an analysis of your risk/needs and recommend the most appropriate covers to protect your assets and liabilities
  • Recommend the appropriate insurer to match the risk
  • Only recommend financially secure and stable insurers
  • Provide alternatives on your risk retention through various excess options
  • Allow you to pay premiums in monthly instalments
  • Provide prompt and timely servicing of your general insurance needs to ensure you are adequately informed of issues that may affect your business.


Insurance Expertise

Antiques Insurance

Due to the high value that most antiques have, antique insurance is an excellent option for individuals that wish to protect their irreplaceable valuables from a range of incidents. Most insurers require a professional appraisal to assess the value of an antique item/collection in order to tailor your insurance policy accordingly. Majority of insurance companies will require you to keep a high quality digital and written documentation of your antique inventory.
Some of the most popular items to cover with antique insurance include cars, jewellery, furniture and paintings.
As an example, classical cars require a different type of auto insurance, which is called “classic car insurance”. This type of insurance has become very specialised, your vehicle must fall under certain criteria before it can be covered by a classic car policy. The vehicle will need to fall under three different categories;
• Veterans; created for December 1904
• Edwardian: manufactured between (January) 1901 and (December) 1918
• Limited: extremely rare vehicles
For the vehicle to be eligible for classic car insurance, there are a few restrictions for the driver such as age and driving history, storage which must be secure and usage of the car. Alongside the age of the car, the age of the driver as well their driving history is also considered when developing a policy.

Antique items are virtually irreplaceable, because of this, specialised antique insurance provides peace of mind should theft or accidental damage occur.

Rare Books Insurance

Rare books are an invaluable asset to collectors or rare book enthusiasts that are often irreplaceable. In order to protect your rare book(s) from both expected and unexpected incidents, it is crucial to explore a tailored rare book insurance plan that understand the needs and risks of a rare book owner.
In order to get the most comprehensive and detailed insurance plan, consider value appraisal of not only your entire rare book collection but also each individual book. This initial step guarantees that specific copies can be covered in the case of damages or loss. Without correct valuation, your insurance company cannot always provide the protection certain copies require.
Rare book insurance covers almost any circumstance from theft, accidental damages to intentional damages, whether it’s a fire, flood or earthquake. Rare books can be fully claimed through rare book insurance, as well as any loss of value due to damage that occurs. Professional rare book collectors can also benefit from this policy as it also covers shoplifting, business interruption should damage or theft occur as well as courier losses when transporting a book.
No matter what kind of rare book enthusiast you are, your rare books deserve an insurance policy that reflect their value.

Insurance Types

Builders' Warranty

A licensed builder will need Builders' Warranty insurance for some, or all of your residential jobs. Builders' Warranty protects your customer if they lose their deposit, you don’t finish the job or if it’s defective, and you die, disappear or become bankrupt. The rules vary from state to state across Australia.

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Business Insurance

Having adequate general insurance cover is one of the most fundamental parts of being in business, as it provides invaluable protection against a range of risk events – from equipment and assets to legal liability – reducing financial uncertainty and protecting your livelihood and that of your workforce. Insurance companies provide a wide variety of general business insurance policies so it’s essential to get the right one for your needs.

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Business Interruption Insurance

Business interruption insurance is designed to cover the shortfall in gross profits caused by the interruption to your business after a disaster or another type of insured event that forces you to close your doors for an extended period of time. It effectively returns your business to the same financial position it was in before the event occurred, allowing the quickest possible resumption of normal business.

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Contract Works Insurance

You need contract works insurance in place before a peg is put into the ground. Many things can go wrong where building works are involved, whether that be at excavation or even completion stage of any project. This insurance is designed specially to provide any physical and related party liability damage as well as loss of building materials, fire and malicious damage.

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Cyber Insurance

As digital technology has become more and more inseparable from the operations of most businesses, having cyber insurance has become more and more important.

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Directors & Officers / Management Liability Insurance

If you have a small to medium sized private company, you could be protected by a policy that covers claims from a wide range of management liabilities, such as; directors and officers liability, company reimbursement, company liability and employment practice liability.

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Home Insurance

If you run your business predominantly from home it’s important to be aware your existing home and contents insurance may not cover your business activities or equipment in the event you need to make a claim

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Liability Insurance

Despite a business’ best intentions sometimes accidents still happen. Product liability insurance protects against claims of personal injury or third party property damage caused by products that have been manufactured, sold or supplied by your business. In particular it can help to cover the potentially significant costs associated with legal and court costs.

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Marine & Hull Insurance

Marine insurance is designed to provide peace of mind, whether you have a pleasure craft that requires insurance or if you are moving cargo across water, land or air. Marine transit covers provides point-to-point coverage between your premises and those of your customers.

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Motor Insurance / Commercial / Heavy Motor Insurance

One of the more common types of business cover, motor/vehicle insurance protects your business fleet against costs arising from theft and accidents. Your policy can be tailored to include a range of commercial vehicles from cars and motorbikes to vans, trucks and even buses and heavy motor vehicles.

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Plant & Equipment Insurance

If you have mobile plant and equipment, we can arrange to ensure this plant and equipment is properly insured to protect both the equipment but importantly also the liabilities associated with its use. This product is designed to cover everything from the smallest of earthmoving machines through to the largest fixed or mobile cranes – and everything in between.

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Professional Indemnity

You always endeavour to provide the very best services and advice you can. Regardless, the threat of claims and litigation is very real in 21st Century Australian business and can potentially bankrupt a business. This is why if your business provides any kind of professional services and/or advice you should strongly consider having professional indemnity insurance.

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Property Insurance

A must if you have one or more business premises, property insurance provides financial protection in the event they are damaged or destroyed in a one-off event.

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Strata Insurance

Strata Insurance offers you peace of mind by providing liability cover in the event people are injured on common property. Typically it includes cover for lifts, pools, car parks, stairwells, gardens, wiring, balconies, walls, windows, ceilings and floors.

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Workers' Compensation

Workers' Compensation is compulsory for all Australian employers. It provides protection to workers if they suffer a work-related injury or illness. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers' compensation insurance that covers their workforce.

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