Insurance is there to provide protection for yourself, your investment and your business. Disaster could take any form; car breaks down, roof leaks, a major home fire, an automobile accident that leads to a legal action or someone in the family becomes ill. Insurance gives you peace of mind and you know that if anything happens to you, your family or your business that you will be financially secure.
The best course of action is to prepare for the worst and hope for the best.
Business policies designed for the small and medium enterprise and provide protection against a wide range of covers for your business under the one combined policy document. Some of the options include; fire and other defined events, boardroom liability, general property, business interruption, glass, burglary, cash theft, personal accident and illness, machinery and electronic equipment and fraud or dishonesty.
Business policies for larger commercial businesses are tailored to an Industrial Special Risk policy, which is a broader form of insurance and is a more suitable form of indemnity for high value risks.
Contract Works insurance is designed to provide insurance cover as required under a construction contract. Contract Works insurance is required by:
The Contract Works insurance policy insures against; accidental loss or damage to or theft of the building during the construction or maintenance period and arising out of and in the course of your performance of the contract.
The Contract Works policy can be extended to include cover for:
A Contract Works insurance policy is available for both commercial and residential builders and can be tailored to meet the requirements of the construction contract.
Marine transit insurance is essential for protection of valuable import or export cargo whilst in transit. Marine transit insurance can be tailored to access policies that give you the tightest shipping and transport protection for the best value.
Choose from the following two kinds of marine cover:
Marine Cargo Insurance
Marine Carriers insurance
Marine policies can cover everything from:
There are a number of Marine Transit insurance policies to cater for your business operations. These include:
CGU Industrial Special Risks Insurance (ISR) provides property damage cover and consequential loss cover for medium to larger organizations with diverse operations and larger insurable value.
This policy is designed to protect physical assets, including buildings, stock, plant and machinery and other property. This coverage also encompasses business interruption insurance for the company i.e. the loss of its income-producing abilities. Policies contain industry-agreed and can be tailored to your specific business needs.
Public Liability insurance covers you and your business for losses or damage a third party suffers (or claims to have suffered) as a result of your business activities.
In plain English this provides protection against legal and court costs (i.e. legal liability) in the event that someone is injured, or has their property damaged while you are providing a service to them. This type of insurance covers incidents that occur not only in your studio, but also at events you may produce in external locations.
Keep in mind that this type of insurance will only cover claims made by external parties and not those made by your own employees (you will require Employers Liability insurance for this).
This is usually taken out with public liability insurance to protect tools against theft. Tool insurance is a pre determined agreed amount in which the insured in the event of theft would need to replace there tools of trade so they can continue to work.
Commercial vehicle insurance covers damage to your mobile assets - everything from sedans, vans and four wheel drives to goods carriers, caravans, dumpers, forklifts, tractors and loaders.
The policy covers damage to your vehicles or the property of third parties. Significant claim examples include huge damage from a truck that derails a train, or a fuel vehicle that overturns, spilling its contents into rivers or soil.
Options to choose from for a Motor Fleet or Commercial Vehicle insurance policy include:
Depending on the level of insurance chosen, business operators can choose to insure vehicles on either agreed value or market value.
Vital Insurance and Topsail Insurance have formed a partnership to insure the Marine Pleasurecraft Risks in Australia. Topsail’s knowledge was built in the UK and have gained worldwide experience to enable Topsail to firmly establish their products in the Pleasurecraft and blue water sailing community. In addition, Vital Insurance has local expertise and some of our team have experience gained over many years of service in the Marine Insurance sector.
Our aim is to revolutionise the way Pleasurecraft Insurance is Handled in Australia through combining our vast internal resources and solid local relationships partly with some of the leading insurers in the business. Mainly, though, it's because of the value added by Our People. We have an extensive network of authorised representatives around Australia, which means we are able to better understand your needs at a local level and can access local services to support you.
If you're looking for friendly, reliable service from an insurance adviser who is committed to developing and delivering the right solution for you, then Vital Insurance is a great choice for you.
What We Insure
Whatever your passion on the water, we are here to give you a comprehensive coverage, great value with better service on your pleasure craft of choice, from the most high-end of large luxury Super yachts and the sleekest of sailboats to the smallest of fun runabouts.
What We Offer
We are proud to offer personal service on leading Marine Pleasurecraft products.
Our goal is to help you understand what coverage will suit you and to, where necessary, point out the places where you can run aground in what are often complex policies.
We understand that the choice of pleasurecraft runs a much broader spectrum than the choices you have to buy cars or even homes. We aim to categorize your vessel, analyze how you use it and assess the various risks you face. From there, we match your needs and specific circumstances with the right Marine insurance solution for you, connecting you with one of the leading insurance providers from Australia and around the world. We offer policies for Replacement Cost, Offshore coverage, transit coverage, liability only and special live aboard policies.
Vital Insurance offers a wide range of market-leading personal insurance products - from economically priced basic cover to comprehensive cover for maximum protection. We can source personal insurance policies for:
Policies that cover loss or damage to private motor vehicles, trailers and the like and include:
Insurance policies designed to cover accidental loss or damage to residential premises and their contents. Insurance cover for insured events including:
Home and Contents policies include a range of common features, including:
Policies for specialist home and contents insurance policies cater for:
Insurance policies that cover medical and repatriation expenses following injury or illness while travelling or working in Australia and overseas. Products can offer cover for various situations including:
Strata Insurance provides cover for residential and commercial buildings (home units, villas or town houses, factories, offices) which are registered under strata or unit title legislation. You can insure the strata, group, body corporate or community titled residential building, or both the building and its common contents.
You are covered for accidental loss or damage to the building (including common areas), and accidental loss or damage to your Common Contents (if you choose this cover).
Commercial Strata insurance consists of different policies covering a wide range of risks including:
Residential Strata insurance consists of different policies covering a wide range of risks including:
Private pleasure craft insurance covers damage to private vessels and related equipment for unexpected events, like loss, theft, damage or the unforeseen effects of violent weather. It also includes personal accident and legal liability cover for you and any person you allow to control your boat in Australian waters.
The following optional extras are also available to suit your individual needs:
Landlords insurance is designed for investment properties and covers for loss or damage caused by fire, storm, theft, vandalism and glass breakage. The policy also covers the structure of your investment home; from the walls and roof to the garage, outbuildings, fences, gates, perimeter walls and pool. You also have options to cover yourself against tenant vandalism, theft, and rental default.
Lenders Mortgage Insurance insures your lender against non-payment or default on your residential property loan. While it protects the lender against loss if you stop making your mortgage payments Lender's Mortgage Insurance also makes it possible for purchasers to buy a home with as little as a 5 per cent deposit.
Insurance policies designed to cover loss or damage to Caravans and/or Trailers. Cover includes:
Public and Products Liability covers amounts your business becomes legally liable to pay as compensation for personal injury and property damage to third parties as a result of an occurrence in connection with your business.
Examples of events which are covered include:
Public companies, as well as most medium to large private companies, require Directors' and Officers' cover to protect the liabilities of their directors and executives. The demand for cover in Australia has been brought about primarily by the evolution of legislation such as the Corporations Act, which places an increased focus on the responsibilities of directors.
Policy coverage features include:
Employment Practices Liability Insurance is designed to protect both a company and its employees when they become legally liable to pay claims made by employees, contract workers, temporary workers or any applicant for employment. These claims may be related to such things as alleged discrimination, unfair dismissal and sexual or workplace harassment.
Policy coverage features include:
Professional Indemnity Insurance protects you from claims if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract.
Organizations may be exposed to being sued by third parties for causing a financial loss as a result of their business activities. Whilst not initially apparent, this may include such things as:
Corporate Travel insurance is specifically designed for either Small Business, Large Companies or Corporations that require Travel Insurance coverage for their Employees while travelling within Australia or Internationally.
Examples of some of the expenses that can be incurred include:
Business policies designed for the small and medium enterprise and provide protection against a wide range of covers for your business under the one combined policy document. Some of the options include; fire and other defined events, boardroom liability, general property, business interruption, glass, burglary, cash theft, personal accident and illness, machinery and electronic equipment and fraud or dishonesty.
Business policies for larger commercial businesses are tailored to an Industrial Special Risk policy, which is a broader form of insurance and is a more suitable form of indemnity for high value risks.
Contract Works insurance is designed to provide insurance cover as required under a construction contract. Contract Works insurance is required by:
The Contract Works insurance policy insures against; accidental loss or damage to or theft of the building during the construction or maintenance period and arising out of and in the course of your performance of the contract.
The Contract Works policy can be extended to include cover for:
A Contract Works insurance policy is available for both commercial and residential builders and can be tailored to meet the requirements of the construction contract.
Marine transit insurance is essential for protection of valuable import or export cargo whilst in transit. Marine transit insurance can be tailored to access policies that give you the tightest shipping and transport protection for the best value.
Choose from the following two kinds of marine cover:
Marine Cargo Insurance
Marine Carriers insurance
Marine policies can cover everything from:
There are a number of Marine Transit insurance policies to cater for your business operations. These include:
CGU Industrial Special Risks Insurance (ISR) provides property damage cover and consequential loss cover for medium to larger organizations with diverse operations and larger insurable value.
This policy is designed to protect physical assets, including buildings, stock, plant and machinery and other property. This coverage also encompasses business interruption insurance for the company i.e. the loss of its income-producing abilities. Policies contain industry-agreed and can be tailored to your specific business needs.
Public Liability insurance covers you and your business for losses or damage a third party suffers (or claims to have suffered) as a result of your business activities.
In plain English this provides protection against legal and court costs (i.e. legal liability) in the event that someone is injured, or has their property damaged while you are providing a service to them. This type of insurance covers incidents that occur not only in your studio, but also at events you may produce in external locations.
Keep in mind that this type of insurance will only cover claims made by external parties and not those made by your own employees (you will require Employers Liability insurance for this).
This is usually taken out with public liability insurance to protect tools against theft. Tool insurance is a pre determined agreed amount in which the insured in the event of theft would need to replace there tools of trade so they can continue to work.
Commercial vehicle insurance covers damage to your mobile assets - everything from sedans, vans and four wheel drives to goods carriers, caravans, dumpers, forklifts, tractors and loaders.
The policy covers damage to your vehicles or the property of third parties. Significant claim examples include huge damage from a truck that derails a train, or a fuel vehicle that overturns, spilling its contents into rivers or soil.
Options to choose from for a Motor Fleet or Commercial Vehicle insurance policy include:
Depending on the level of insurance chosen, business operators can choose to insure vehicles on either agreed value or market value.
Vital Insurance and Topsail Insurance have formed a partnership to insure the Marine Pleasurecraft Risks in Australia. Topsail’s knowledge was built in the UK and have gained worldwide experience to enable Topsail to firmly establish their products in the Pleasurecraft and blue water sailing community. In addition, Vital Insurance has local expertise and some of our team have experience gained over many years of service in the Marine Insurance sector.
Our aim is to revolutionise the way Pleasurecraft Insurance is Handled in Australia through combining our vast internal resources and solid local relationships partly with some of the leading insurers in the business. Mainly, though, it's because of the value added by Our People. We have an extensive network of authorised representatives around Australia, which means we are able to better understand your needs at a local level and can access local services to support you.
If you're looking for friendly, reliable service from an insurance adviser who is committed to developing and delivering the right solution for you, then Vital Insurance is a great choice for you.
What We Insure
Whatever your passion on the water, we are here to give you a comprehensive coverage, great value with better service on your pleasure craft of choice, from the most high-end of large luxury Super yachts and the sleekest of sailboats to the smallest of fun runabouts.
What We Offer
We are proud to offer personal service on leading Marine Pleasurecraft products.
Our goal is to help you understand what coverage will suit you and to, where necessary, point out the places where you can run aground in what are often complex policies.
We understand that the choice of pleasurecraft runs a much broader spectrum than the choices you have to buy cars or even homes. We aim to categorize your vessel, analyze how you use it and assess the various risks you face. From there, we match your needs and specific circumstances with the right Marine insurance solution for you, connecting you with one of the leading insurance providers from Australia and around the world. We offer policies for Replacement Cost, Offshore coverage, transit coverage, liability only and special live aboard policies.
Vital Insurance offers a wide range of market-leading personal insurance products - from economically priced basic cover to comprehensive cover for maximum protection. We can source personal insurance policies for:
Policies that cover loss or damage to private motor vehicles, trailers and the like and include:
Insurance policies designed to cover accidental loss or damage to residential premises and their contents. Insurance cover for insured events including:
Home and Contents policies include a range of common features, including:
Policies for specialist home and contents insurance policies cater for:
Insurance policies that cover medical and repatriation expenses following injury or illness while travelling or working in Australia and overseas. Products can offer cover for various situations including:
Strata Insurance provides cover for residential and commercial buildings (home units, villas or town houses, factories, offices) which are registered under strata or unit title legislation. You can insure the strata, group, body corporate or community titled residential building, or both the building and its common contents.
You are covered for accidental loss or damage to the building (including common areas), and accidental loss or damage to your Common Contents (if you choose this cover).
Commercial Strata insurance consists of different policies covering a wide range of risks including:
Residential Strata insurance consists of different policies covering a wide range of risks including:
Private pleasure craft insurance covers damage to private vessels and related equipment for unexpected events, like loss, theft, damage or the unforeseen effects of violent weather. It also includes personal accident and legal liability cover for you and any person you allow to control your boat in Australian waters.
The following optional extras are also available to suit your individual needs:
Landlords insurance is designed for investment properties and covers for loss or damage caused by fire, storm, theft, vandalism and glass breakage. The policy also covers the structure of your investment home; from the walls and roof to the garage, outbuildings, fences, gates, perimeter walls and pool. You also have options to cover yourself against tenant vandalism, theft, and rental default.
Lenders Mortgage Insurance insures your lender against non-payment or default on your residential property loan. While it protects the lender against loss if you stop making your mortgage payments Lender's Mortgage Insurance also makes it possible for purchasers to buy a home with as little as a 5 per cent deposit.
Insurance policies designed to cover loss or damage to Caravans and/or Trailers. Cover includes:
Public and Products Liability covers amounts your business becomes legally liable to pay as compensation for personal injury and property damage to third parties as a result of an occurrence in connection with your business.
Examples of events which are covered include:
Public companies, as well as most medium to large private companies, require Directors' and Officers' cover to protect the liabilities of their directors and executives. The demand for cover in Australia has been brought about primarily by the evolution of legislation such as the Corporations Act, which places an increased focus on the responsibilities of directors.
Policy coverage features include:
Employment Practices Liability Insurance is designed to protect both a company and its employees when they become legally liable to pay claims made by employees, contract workers, temporary workers or any applicant for employment. These claims may be related to such things as alleged discrimination, unfair dismissal and sexual or workplace harassment.
Policy coverage features include:
Professional Indemnity Insurance protects you from claims if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract.
Organizations may be exposed to being sued by third parties for causing a financial loss as a result of their business activities. Whilst not initially apparent, this may include such things as:
Corporate Travel insurance is specifically designed for either Small Business, Large Companies or Corporations that require Travel Insurance coverage for their Employees while travelling within Australia or Internationally.
Examples of some of the expenses that can be incurred include:
