Indamoos | Insurance Broker 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 independent 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.
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 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.
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.
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.
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.
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.
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.