Indamoos Pty Ltd

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Indamoos | Insurance Broker Epping, Craigieburn and Shepparton | Insurance Advisernet

Indamoos is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in South Morang 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 Restaurant/Café Insurance and Food Wholesale Insurance as well as a broad range of insurance products. 

Indamoos services to clients in a wide range of regions including Craigieburn, Shepparton, Brunswick, Coburg, Fawkner, Campbellfield, Glenroy, Broadmeadows, Tullamarine, Sunbury, Wallan, Kilmore, Epping, Romsey, Lancefield and Wandong.

Business

Every business requires some level of protection against industry related risks. While not all industries have equal risks, each business should invest in protecting their livelihood. The most common business insurance cover is workers compensation – which is required under legislation as well as third party liability. Workers compensation is legally required under Australian legislation and covers medical costs of employees that injure themselves in the workplace. Third party liability on the other hand, provides cover for customers or third-parties that suffer personal or property damage on premises, it also covers any legal costs should injured parties seek legal compensation. 

Construction

Construction sites and trade businesses experience far higher levels of risks than most businesses. The nature of the tools and the worksite present many difficulties for business owners and employees. Due to this high-risk environment, construction insurance is crucial to business protection. Typical construction insurance options that business owners choose include workers compensation, third party liability, machinery breakdown and even professional indemnity. Machinery is crucial to ensuring a construction site runs smoothly, so machinery breakdown can be extremely costly and time consuming to repair. Machinery breakdown insurance compensates the cost of the machinery breakdown and occasionally financial losses that occur as a result of broken machinery. 

Directors & Officers/Management Liability

Many business owners invest in protecting their business against incidents such as fires, floods, theft or even injury. However, many forget to protect their businesses against their own management. Management liability insurance offers protection to business owners against the risks and exposures of running a business. Management liability insurance often covers legal costs should there be claims made against you or your business as well as investigation costs that are necessary to provide evidence. Should your business be found to have conducted wrongdoing or wrongful in a civil suit, management liability insurance will often cover fines and penalties as well as damages to be awarded to successful plaintiffs. 

Commercial Motor

For those that own businesses that centrally focused or rely heavily on commercial motors, commercial motor insurance is extremely important. Whilst general insurance such as Green Slips are required, commercial motors offers additional protection to your business and its assets. Commercial motor insurance covers incidents such as breakdowns and damages, financially compensating repairs and financial losses as a result of breakdown. Some levels of commercial motor insurance also protect your business against matters such as theft, fire and much more. Additional commercial motor insurance includes transport operator cover which provides financial compensation for third party injuries and property damages as well as damage or loss of goods in transit. 

Professional indemnity

Many service related businesses may consider themselves low-risk due to the less tangible nature of their profession. However, service businesses face a similar level of risk that other businesses experience. Professional indemnity is an insurance cover that offers protection to service and advice related businesses such as architects, legal professionals, therapists and more. This insurance covers offers legal and financial protection should a client make claims against your business. Professional indemnity insurance will also cover the costs of any damages or penalties that your business may face. 

Property

Your home and your business are some of your most important assets so it makes sense to protect them. Property insurance offers cover to any land or buildings that you own, including your home and office. Various levels of property insurance offers different levels of cover and may also depend on your suburb, security levels and more. Property insurance can offer protection to risks that you may face including water damage, fire damage, vandalism, electrical damage and more.

Strata Title

Residential strata, group and community title properties, owners corporations and strata managers are open to both expected and unexpected risks. In order to minimise these risks it is crucial to invest in corporate and strata insurance. The most common types of cover include public liability, residential strata insurance and commercial strata insurance. Residential strata insurance is specifically catered towards residential properties and their title owners. This coverage provides protection for loss of rent, personal accident cover and office bearers’ liability.

Sports Liability

As a player, coach or manager, you could benefit from sports liability insurance to protect you and your team. The most common forms of sport liability insurance includes accident insurance, property insurance, contingency insurance and injury insurance. Accident insurance is one of the most common and not only protects any third parties that suffer injury on premises but also covers accidental property damage. Injury insurance is another popular cover that covers medical expenses from any injuries that occur within the team and staff and also cover financial costs as a result of their absence.

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

735 High Street, Epping, VIC, 3076

Our Team:

Insurance Expertise

Restaurant/Café Insurance

Restaurants and cafes possess different insurance requirements to other businesses. Restaurant and café specific insurance will ensure that your business is protected from any incidents that could occur in the workplace. The most common insurance covers for restaurants and cafes include commercial property insurance, deterioration of stock insurance as well as worker’s compensation. Commercial property insurance will cover your business’ property in the possibility that flooding, fire or any other damage occurs to the workplace. This is particularly important for restaurants and cafes due to the kitchen workspace in which accidental fires are common and can result in severe damage and costs. Deterioration of stock insurance protects your business in the situation that damage occurs to stock such as food products such as expiration or mishandling that leave the stock unsellable. Workers compensation will protect employees should illness or injury occur on-site, this is particularly important for kitchen staff that may be injured from fires or sharp objects. As a result of the risks posed by restaurants and cafés, particularly to the workplace and staff, restaurant and café specialised insurance insurances your business from both expected and unexpected incidents.

Food Wholesale Insurance

Food wholesalers carry a substantial amount of risk in their industry due to the perishable nature of their product and the seasonal impacts on future stock. In order to gain the best protection for your business, food wholesale insurance provides coverage to a wide range of incidents that may occur specific to the industry and to all businesses. Some of the most common food wholesaler policy options include product liability, product recall insurance, as well as cargo and transport insurance. Product liability protects your business if a customer makes any claims, legal or otherwise towards your business regarding the products that you supply. Product recall insurance one of the most important policies for food wholesalers. Should a situation arise where a defect or issue is found regarding your stock, the insurance policy will cover the financial loss that results from the recall. Cargo and transport insurance provides financial protection to your business if your product is damaged beyond sale either by a third-party or your own employees. In order to protect your business from the unknowns and the risks associated with food wholesale, invest in an industry specific plan that best suits your business needs to prevent any financial losses or disruption to business.

735 High Street, Epping, VIC, 3076

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Download by clicking on your preferred app provider below. Don't forget to insert your branch code when promted!

My Branch code: 348

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Insurance Types

Builders Warranty Insurance

Today licensed builders needs Builders’ Warranty Insurance for some, if not all residential jobs. Generally, a Builders’ Warranty Insurance certificate must be submitted before any work can begin.

SME Business Insurance Pack

Business Insurance is used by many businesses, but it’s best suited to SME-type operators.

Business Interruption Insurance

From your family and employees to customers and suppliers, there are a lot of people who depend on your business opening its doors each day.

Contract Works Insurance

Contract Works Insurance provides cover for any physical damage of works or third party liabilities during construction stages of a project.

Cyber Insurance

Technology has never been so deeply entwined in our businesses. While it delivers significant efficiencies and convenience, it also comes with significant cyber risks.

Directors & Officers/Management Liability Insurance

Many small and medium-sized business owners think they don’t need Directors & Officers (D&O) Insurance as it’s only relevant to large multi-national companies. However, D&O insurance is just as important to SME’s as any other business.

Home Insurance

For most people, the family home is the largest asset they’ll ever own. This means it is essential to protect it, inside and out, with the right insurance cover. After all, no one wants to discover they’re inadequately insured when it’s too late.

Liability Insurance

Despite the very best of intentions, accidents can still happen in any business. Public and Product Liability Insurance  protects you against claims for personal injury or damage to a third party.

Marine & Hull Insurance

Do you operate a marine business and/or transport goods? Marine Insurance is designed to provide peace of mind when you have a ship or vessel that requires insurance, or you are moving cargo across sea, land or air.

Motor Insurance / Commercial / Heavy Motor Insurance

Policy provides coverage for physical loss, damage or theft to your vehicle. It can be extended to cover Loss Damage or injury to a third party.

Plant & Equipment Insurance

Plant & Equipment Insurance is important for a wide variety of businesses that rely on mobile plant and equipment to continue their business activities. It protects the equipment itself, but also the liabilities associated with its use, from portable tools and the smallest of earthmoving machines, to forklifts and the largest of cranes.

Professional Indemnity Insurance

Professional Indemnity (PI) Insurance isn’t just limited to typical ‘professions’ such as accountants, engineers, lawyers, doctors and architects. Essentially, anybody providing advice or consultancy services for a fee has an exposure that needs to be considered.

Property Insurance

Cover for loss or damage to your physical business assets in the event of an incident occurring.

Social Engineering Fraud

Social Engineering Fraud (SEF) is when a fraudster gains the trust of an individual, usually within a role of influence within a business, and ‘tricks’ them into sharing confidential information or even transferring funds directly to the criminal.

Strata Insurance

Every owners’ corporation (also known as the body corporate) is obliged to take out Strata Insurance to cover the building, common property and common area contents of a strata scheme. Insurance is available for both residential strata and commercial strata properties.

Workers’ Compensation

While some occupations and industries have a higher risk of workplace incidents and/or fatalities than others, Workers’ Compensation is compulsory for all Australian employers. It provides financial compensation to workers if they suffer a work-related injury or illness.

Easy-to-use online portal that’s available 24/7 from your mobile or desktop.

GET THE APP!

Download by clicking on your preferred app provider below. Don’t forget to insert your branch code when promted!

My Branch code: 348

portal_hero Google_play aap-download
Group-1223-iconoad

Superior Life Insurance you can trust. It's Quick and Smart.