Do you operate a Business and need a broker who puts your needs first?

GJIC is dedicated to providing professional advice to SME owners and offering insurance solutions to meet your specific needs. We can obtain cover for small one-man businesses and tradies, all the way through to large corporations.

We will be with you every step of the way to ensure you have the right cover and understand your business policy. If you have a claim, we will assist you throughout the entire process.

Try us, and you will see the difference with our personalized service for every customer. We are here for you and your business.

GJIC offers Insurance & Risk Solutions for your SME. We can help you design a package that meets your risk profile and provides the financial protection you desire for your business. Business insurance packages can be tailored to meet your specific needs. Below is a list of typical covers available to most businesses.

• Property Insurance Damage to buildings, contents & stock caused by fire, perils and accidental damage.

• Business Interruption Protection for the loss of income in your business caused by an insured loss. (Income protection for the Business)

• Theft & Burglary: Contents or stock, including theft in the open if required.

• Money Theft of money whilst at Business Premises, in a safe, in transit and in a Private Residence.

• Machinery Breakdown Damage to machinery caused by a breakdown. Refrigerated or frozen goods can also be covered against deterioration.

• Employee Dishonesty Fraud or dishonesty by your employees.

• Computers & Electronic Equipment Fire, theft, accidental damage, breakdown and business interruption cover for computers and electronic equipment.

• Glass Breakage of internal/external glass as well as signs & sign-writing.

• General Property Cover for your business equipment away from the premises (on the job) Australia Wide or even World Wide.

• Tax Audit Accounting costs incurred in relation to an audit conducted on your business by the ATO

• Public & Products Liability Legal Liability to pay compensation for personal injury and/or property damage caused by your negligence.

• Management Liability Cover for the Business Entity, Directors & Officers, Employment Practices, Statutory Liability

• Professional Indemnity protection for wrongful advice provided to your client

• Cyber Insurance protection for your Computers being hacked and for the compensation you are liable for to clients whose data was infringed.

• Workers Compensation Cover for Injuries to workers (Compulsory insurance in all states and territories)

• Motor Fleet Insurance for the Company Vehicles including Cars, 4WDs, Trucks, Mobile Plant etc.

• Goods In Transit cover for the items you transport locally and or internationally against loss or damage.

Other areas of Insurance we can assist with include:
INSURANCE RISKS CHECKLIST

Risks may be uninsured for a number of reasons, including:

• Self Insurance - This is where you have elected NOT to insure certain risks. You will be responsible to cover all the losses yourself.

• Under Insurance: If your sums insured or declared insurable values are inadequate and the policy   contains a co-insurance or average clause, you may not receive the full amount of the loss.

• A Policy Deductible / Excess – You must bear the first part of the loss up to the amount of the excess.

• Inadequate Loss Limits: If the sum insured is less than the amount of your exposure, any loss in excess of the sum insured will not be insured.

• Excluded Perils: Some policies exclude certain perils, example - flood, storm surge and subsidence. You will not be insured for an excluded peril unless you ask for the cover.

We have indicated below a number of risks we believe may be important for you to consider. This list does not include all the policies available in the various insurance markets and is only intended to provide a summary of covers to assist in your assessment of whether such insurance protection may be needed.

Please note this list includes covers that you may have already purchased.

• Flood: ‘Flood’ means the covering of normally dry land by water that has escaped or been released from the  normal confines of any lake, river, creek or other natural watercourse, whether or not altered or modified; or any reservoir, canal or dam.

• Cyber Insurance: First Party Costs - reimburses the Insured for the costs they would incur to respond to a breach, such as IT Forensic Costs, Credit Monitoring Costs, Public Relations Expenses and Cyber Extortion Costs (including ransom payments to hackers). Third Party Claims - covers the Insured's liability to third parties from a failure to keep data secure, such as claims for compensation by third parties, investigations, defence costs and fines and penalties from breaching the Privacy Act.

• Management Liability: This policy incorporates - Directors & Officers Liability, Statutory Liability, Crime cover, Employment Practices and Tax Audit expenses.

• Business Interruption: The Business Interruption policy covers the insurable profits that would have been earned if the business was operating as usual. It is designed to put a business in the same financial position that it would have been in if no loss had occurred.

All these covers may not apply to your circumstances. However, as a business can change, we suggest that this list be reviewed regularly to ensure that your current insurance program is still satisfactory in meeting your needs. Please contact your Adviser if you require any additional information.

Property/Asset Protection

• Burglary/Theft

• Business Interruption

• Business package

• Commercial Strata

• Contractors Plant & Equipment

• Fidelity Guarantee / Employee Fraud

• Fire & Perils / Industrial special Risks

• Flood

• General Property

• Glass Breakage / Signs

• Money

Liability

• Association Liability

• Cyber Liability

• Contractual Liability

• Drone Liability

• Directors & Officers Liability

• Employment Practices Liability

• Environmental Impairment Liability

• Libel & Slander / Defamation

• Management Liability

• Public and Products Liability

• Product Performance Guarantee

• Product Recall

• Professional Indemnity

• Statutory Liability

• Taxation & Audit Expenses

• Trade Credit

Marine

• Carriers Liability

• Charters Legal Liability

• Marine Hull

• Marine Inland Transit

• Marine Overseas Transit

• Marine Liability

Machinery & Electronic Equipment

• Boiler & Pressure Vessel Explosion

• Computer Breakdown & Business Interruption

• Cyber Protection

• Electronic Equipment / Breakdown

• Machinery Breakdown & Business Interruption

Commercial Motor

• Heavy Motor / Machinery

• Motor Vehicle

• Motor Vehicle downtime

Construction

• Advanced Profits

• Construction Risks andLiability

• Contract Works

Personnel

• Corporate Travel

• Group Personal Accident

• Individual Personal Accident

• Key Person Cover

• Workers Compensation

Domestic

• Home – Building & Contents

• Landlords

• Strata

• Motor / Boat

• Caravan /Trailer

Any general advice in the Insurance Risk Checklist document does not take into account your personal objectives, financial situation and needs. Please read the relevant Product Disclosure Statement/Policy Wording before acquiring any product mentioned in this document