Not necessarily as it is not automatically added .Business Pack Insurance is generally made up of selected policy sections. Public and products liability must be shown on your policy schedule before you can rely on that section of cover.

In many cases, yes. A standalone public and products liability policy may be available where property or business interruption insurance is not required.

Usually not. Claims arising from professional advice, designs, specifications or professional services may require Professional Indemnity Insurance.

Registered business vehicles are generally insured under a separate commercial motor or motor fleet policy. But an unregistered forklift that never leaves your premises can be included as a business asset.

Portable tools and equipment may require a General Property or Portable Property section. Most business packs do have some cover for temporarily removed items, but cover is subject to the policy limits, excesses, security requirements and exclusions.If you don't buy Portable Tools cover and or take the Theft section , then theft away from the premises is not usually covered.

Most Business Pack policies provide little or no comprehensive cyber protection as they related to the physical world rather than the digital one. A separate Cyber Insurance policy may be required which can include privacy breach cover as well.

No. Flood availability varies between insurers, locations and policies. The schedule and policy wording must be checked to confirm whether flood is included, excluded or available as an optional cover.

Potentially. You should disclose the business activities to both your business insurer and your home insurer. A standard home policy may restrict or exclude property and liability connected with a business.

A local broker compares policies from multiple insurers and then provides expert advice to customers, explaining premiums and coverage in detail. We discuss what financial risks you can or are prepared to take. This helps all clients to make more educated decisions and better manage their claims, renewals, and ongoing insurance requirements.

We are not automated, we have no A.I doing the work, we don't have call centres. Unlike direct insurers, TPIB accesses broader markets. They also negotiate competitive rates, provide personalised expertise, and help small business owners secure suitable insurance solutions.Most importantly we are here to help a claim should arise.

Some of the main insurance Gold Coast ( in fact all of Queensland) does risk storm, flooding and property damage. Our team will assess your location, operations and exposures. They will then help you make an informed decision about the most appropriate coverage and protection levels for your property.

We recommend that most businesses on the Gold Coast review their insurance annually. Or sooner if your small business, property, farm operations, staffing, equipment or activities change.For domestic insurance policies an annual review is usually suitable unless you are planning renovations or making significant purchases throughout the year.Please remember your Duty of Disclosure to your insurer is an active and on-going requirement.

Yes. That is one of the major advantages in having your own Insurance Broker representing you. We assist with a range of activities, including managing claims, communicating with insurers, documenting property damage, and pursuing fair outcomes. Thanks to our expertise, we'll do all we can to help our insured clients to deal with complex or high-risk claim situations.You call us, not the insurers call centre! We help lodge the claim and then provide you updates.

Yes. TPIB Pty Limited is a licensed Corporate Authorised Representative of Oracle Group (Australia) Pty Limited. Contact details are available here. You can request licensing information at any time through it.Sandi and Haydn have a combined experience in insurance of over 40 years in the insurance industry.

Not usually. It is worth checking your current policy or contents policy before you start moving. Many policies provide only limited cover, or less cover, once belongings leave your old address.Also, you may only have a defined ( or restricted ) perils policy so that is not the same as a full Accidental Damage policy

You should always review the Product Disclosure Statement and Financial Services Guide that we provide you. These documents explain important details such as your cover, exclusions, and the claims procedure that you need to take into account.You also need to understand the terms and conditions of your removalist or carrier.

Generally, no. However, cover varies, so you arranged this yourself you will need to check the policy wording carefully.Usually, the cover applies to your goods while they are actively in transit and storage that is incidental to that transit.Insurance covering your goods while they are being stored needs to be discussed with us as this differs from the transport risk most household removals are insuring for.

Yes. Engaging a member of the Australian Furniture Removers Association can give you added confidence when moving home.We work with a number of household removalist companies and transport operators on a regular basis.

Many construction businesses require a range of general insurance products. They include:Professional indemnity insuranceManagement liabilityCommercial property insuranceMobile plant and equipment coverCommercial MotorTrade CreditProject specific Contract Works insuranceCyber Insurance- ( data & privacy breaches)

Yes in a great many instances it is. ( States can differ on this )Builders providing design input or other professional services may need professional indemnity cover. This is to protect against claims arising from advice, errors, omissions, and associated legal costs.This is especially true if you are entering into to Design and Construct contracts with your customers and clients

Commercial property insurance can provide cover for business premises, stock, tools, and other physical assets damaged by fire, theft, natural disasters, or extreme weather events.There is a difference in covering tools on site to tools that are at your property, especially for theft. Seek our advice for your situation.

At TPIB, we help sub-contractors and trade operators arrange tradies insurances , public liability insurance and other builders insurance, and tailored cover to protect them from the risks they face across the building industry.Discuss with us if your sub-contractors and or contractors are covered by your policy or not. We can often add smaller sub contractors to your policy but it will increase your costs.

Yes this is a huge new area of financial risk. Cyber insurance can provide cover for losses arising from cyberattacks, data breaches, recovery costs, privacy breaches, legal expenses, and certain business interruption events.

Yes. Our premium funders allow eligible businesses to spread insurance costs across regular payments. This makes it easier for them to manage their cash flow while maintaining a cost-effective insurance program. Please ask for us to arrange a quote for you if you do not wish to pay the full annual premium in one transaction.

If you transport equipment, parts, or marine cargo by road, sea, or transit, it might be useful to take out cargo insurance. It can protect you against loss, theft, damage and severe weather events.You should never rely on a Public Liability policy if you are moving goods, regardless of if they are owned by you, just sold by you or belong to others.

Some policies may provide protection for accidental pollution events arising from marine operations. However, the cover will vary. So, getting specialist advice is essential.You might be surprised by the high levels of cover you need as marine clean up can be very expensive.

Yes. Ship repairers, mobile technicians and offshore operators often require specific policies that address their unique needs, marine liabilities and contractual indemnity requirements.We can also do marina operators and commercial marine operators

Haydn is a claims specialists who will use his expertise to provide you with assistance throughout the process. TPIB help to protect your interests and work with insurers and carriers around the world to achieve the best outcome.A lot of marine insurance is not subject to the usual consumer protections here in Australia so our help will be invaluable.

Most sports club insurance policies operate on an annual basis. Therefore, they need to be reviewed and renewed every year to ensure that the cover remains appropriate.

Yes. We find policies that can be tailored to accommodate different club structures, facilities, events and membership activities.

Your premium is generally based on a range of factors. They include the club size, activities, claims history, assets and the level of cover required.

When requesting a quote, you will generally need to submit details about your club's operations, finances, facilities and risk control measures.

Simply contact Sandi or Haydn. We have insured a great many sports clubs, gyms and community clubs and we understand them.We are happy to invest time with you to ensure you are well covered and that you have meet all our obligations to your members.