Insurance solutions
Business insurance built around your operations
From everyday business risks to more complex exposures, CPC helps businesses consider cover across property, liability, people, vehicles, technology and continuity.
What shapes your insurance program?
Activities and contracts
Describe what you do, the products or advice you provide and the responsibilities you accept in contracts. These help identify relevant sections and exclusions.
Property, stock and equipment values
Review replacement or reinstatement costs, stock peaks and specialist equipment. Accounting or market values may not match the policy’s settlement basis.
Income and recovery time
Consider insured income definitions, policy triggers and the time needed to rebuild, replace equipment and recover customers, including key dependencies.
People, vehicles and data
Explain staffing, vehicle use, management responsibilities and reliance on technology. Requirements and available cover vary between sections and insurers.
Insurance
Business Package Insurance
A business package can combine several common types of business insurance under one policy. Depending on the insurer and sections selected, cover may include property, business interruption, theft, money, glass, liability, machinery breakdown, electronic equipment and other business risks. CPC can help you consider which sections and limits are relevant to your operations.
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Commercial Property Insurance
Commercial property insurance can help protect insured buildings, contents, stock, fit-out and other physical assets against specified events. The right structure depends on how the property is used, its construction, occupancy, replacement values and other risk factors. CPC can assist property owners and occupiers with reviewing these considerations.
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Public & Product Liability Insurance
Public and product liability insurance can respond to covered claims alleging personal injury or property damage to third parties arising from your business activities or products. Policy scope, limits, exclusions and contractual requirements can vary, so it is important to arrange cover around the way your business actually operates.
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Professional Indemnity Insurance
Professional indemnity insurance is designed for businesses that provide professional advice, design, consultancy or services. It can respond to covered allegations of negligence, errors or omissions that cause financial loss to a client or third party, subject to the policy wording.
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Business Interruption Insurance
A major insured loss can affect much more than physical property. Business interruption insurance may help protect insured gross profit, revenue, rent or additional costs of working after certain insured events. Suitable sums insured and indemnity periods are important considerations when arranging this cover.
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Commercial Motor Insurance
Commercial motor insurance can cover eligible cars, utes, vans, trucks and other vehicles used for business. Depending on the policy, options may include comprehensive damage, third-party property damage and selected additional benefits. Fleet size, vehicle use, drivers and radius of operation can affect the cover available.
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Cyber Insurance
Cyber incidents can disrupt systems, compromise data and create significant response costs. Cyber insurance can provide selected first-party and third-party protection for covered events, which may include incident response, forensic investigation, data restoration, business interruption and liability. Coverage varies significantly between policies.
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Management Liability Insurance
Management liability insurance can combine several areas of protection for private companies and their directors or managers. Depending on the policy, this may include directors and officers liability, employment practices liability, statutory liability, crime and company reimbursement sections.
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Machinery Breakdown Insurance
Machinery breakdown insurance can cover sudden and unforeseen physical damage to specified plant, machinery and equipment. It may be relevant for businesses that rely heavily on refrigeration, production equipment, electrical systems or other critical machinery.
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Goods in Transit Insurance
Goods in transit insurance can cover specified loss or damage to goods while they are being transported. It can be relevant for manufacturers, wholesalers, retailers, importers, exporters and other businesses moving stock or customer goods.
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Event Liability Insurance
Event liability insurance can provide selected liability protection for organisers, exhibitors or businesses involved in events. Requirements can vary based on the type of event, venue, activities, attendance and contractual obligations.
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Product Recall Insurance
A product recall can involve withdrawal costs, replacement expenses, customer communication and reputational pressure. Product recall insurance can provide selected protection for eligible recall costs and related losses, subject to the policy.
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Carriers’ Liability Insurance
Carriers’ liability insurance is designed for transport operators that carry goods belonging to others. Cover can respond to specified legal liabilities for loss of or damage to customers’ goods, subject to policy terms and the operator’s contractual arrangements.
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Environmental Liability Insurance
Environmental liability insurance can provide selected cover for pollution or contamination incidents, including certain clean-up costs, third-party liability and environmental damage. It may be relevant where a business handles fuels, chemicals, waste or other materials with pollution exposure.
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Directors & Officers Insurance
Directors and officers insurance can protect individual directors and officers against certain covered claims arising from decisions or actions taken in their management capacity. For many private companies, this cover may form part of a broader management liability policy.
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Crime Insurance
Crime insurance can provide protection against selected losses arising from dishonest acts such as employee theft, fraud, forgery or social engineering, depending on the policy. Businesses with significant funds transfer or cash exposures may benefit from reviewing this risk.
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Workers’ Compensation
Workers’ compensation requirements are governed by state and territory legislation. CPC can assist business clients with general insurance needs alongside workers’ compensation arrangements and help coordinate the broader insurance program where appropriate.
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Trade Credit Insurance
Trade credit insurance can protect eligible businesses against certain losses when customers fail to pay insured trade debts due to insolvency or other covered events. It can be relevant to businesses carrying substantial accounts receivable or customer concentration risk.
Review, choose, arrange
Review
Discuss your operations, existing documents and relevant options available through CPC’s market relationships.
Choose
Consider sections, limits, excesses, exclusions and premium together, then give instructions on how you want to proceed.
Arrange
CPC helps request and document the selected cover. It starts only when confirmed under the insurer’s agreed terms.
Start a conversation
Talk to CPC about your circumstances and the insurance options that may be available.