Bernie Lewis Insurance Services can provide a range of commercial insurance policies for:

Strata

Strata insurance can include both residential & commercial properties that come under the management of a Strata Title & Body Corporate entity. The premium payment is generally shared by the owners of the Strata unit. It is mandatory to hold insurance on Strata properties under Government legislation.

Construction

Construction insurance is generally taken out by builders to cover material damage to properties under construction including their Public Liability. It can also be utilised by individuals operating as owner builders managing their own building projects. It can be insured as an annual policy covering multiple builds, or as a one off construction project.

Motor Vehicle

There are three types of motor vehicle insurance available: Comprehensive insurance; Third Party Property Fire and Theft, and Third Party Property Damage Only. Choosing the appropriate cover is critically important; a minimum suggested level of cover is Third Party Property Damage Only. Cover is dependent on the type and value of vehicle you own.

Travel

Travel insurance is highly recommended for people contemplating trips both within Australia and to overseas destinations. The cover may vary depending on your travel schedule and length of stay. Typical travel policies include medical expenses, baggage, theft, cancellation and interruption of journey. Corporate Travel insurance is also available for those travelling on business related journeys, and is generally offered on an annual basis.

Business

Business insurance can include all types of businesses whether they are commercial, sole trader or office based in nature. It generally incorporates all risks on a package policy, including Material Damage, Business Interruption, Theft, Money, Public and Products Liability, Machinery Breakdown, Electronic Equipment, General Property, Tax Audit and Glass.

Professional Indemnity

As the name implies, Professional Indemnity insurance (PI) is a liability cover designed to protect professionals (e.g. mortgage advisers, real estate agents, financial advisers and lawyers) against information they provide to clients that they may be found to be negligent for.

Cyber Risk

Cyber insurance has been designed to protect the personal information businesses hold from misuse, interference, loss from unauthorised access, modification or disclosure.

Sickness and Accident

In the event of illness and/or injury this policy can provide a weekly nominated payment to cover loss of income. This policy is specifically designed for self-employed people who are not generally entitled to workers compensation benefits.

Transit

Transit insurance provides cover for loss including fire, theft, collision and overturning. Cover can apply to the transport of goods from one destination to another, from the time the goods are picked up, until the time the goods are placed and/or positioned inside the receivers’ destination.

Management Liability

Management Liability insurance protects the assets of the company as well as the directors, officers, senior managers and employees against the risks and exposures associated with managing a company.