Our Products

  • Our Products

    A very small list below of some of our products available at a very competitive cost.

     

    Personal Insurance

    Life’s too short to dwell on the what in life, if there is one thing we have learnt from our time in this business, it’s that no one knows what’s around the corner. Which is why it’s important to ensure your assets are looked after, if life takes one of its unexpected turns. With that in mind we have a range of Personal Insurance products that can be tailored to suit most situations, making them as individual as you are.

    Your most valuable asset is not your house or car, but your ability to earn an income, to keep your family going, to the life style they have become accustom too, to place food on the table to help pay the mortgage and car repayments etc.

    Coverage is available for the following Insurable Events:

    • Accident
    • Healthcare
    • Funeral
    • Travel
    • Life
    • Income Protection

     

    Business Package Insurance
    Sphere Insurance Group can tailor your Business Insurance Package to suit the exposures that you face in your business to adequately protect your business assets in the event of a claim.
    Business Package insurance includes property, business interruption, theft, money, cyber, machinery breakdown, electronic equipment, general and products liability, glass breakage, general property and commercial motor.
    Optional extensions that we can look at for you include taxation audit costs, goods in transit, employee dishonesty, management liability, business travel and marine transit.

    Coverage is available for the following Insurable Events:

    • Flood
    • Damage by fire
    • Business interruption
    • Income Protection
    • General and Products Liability
    • Key Man Duties
    • Theft
    • Workers Compensation
    • Machinery

     

    Public Liability
    Public liability insurance protects you and your business against the financial risk of being found liable to a third party for death or injury, and loss or damage of property or economic loss resulting from your negligence.

    • Personal
    • Business

     

    Product Liability
    If you sell, supply or deliver goods, even in the form of repair or service, you may need cover against claims of goods causing injury, death or damage. Product liability insurance covers you if any of these events happen to another business or person by the failure of your product or the product you are selling.

     

    Professional Indemnity
    Professional indemnity insurance protects advice-based businesses from legal action taken for losses incurred as a result of professional negligence. It provides indemnity cover if your client suffers a loss – material, financial or physical – directly attributed to negligent acts, errors or omissions. Sphere Insurance group can provide expert advice in relation to Professional Indemnity for any industry. With many years of Professional Indemnity experience working with several of the largest underwriters globally Sphere Insurance Group understands the complex professional services exposures that professional firms face on a daily basis. Industry Specialties for Professional Indemnity.
    There is a lot of challenges you have to face when running a business, that often puts your business at risks, especially financial risks. At Sphere Insurance Group we help you manage those risks and reduce the uncertainty to the minimum. Business insurance can protect the equipment and machinery you need to stay in business. It can ensure that you, your employees and any members of the public with whom you interact in your business are protected from the risk you face as a business owner. And it may also provide financial support if your business is unable to operate following an unexpected event such as a fire or natural disaster.

    Our Insurance packages includes property, business interruption, theft, money, machinery breakdown, electronic equipment, general and products liability, glass breakage, general property and commercial motor. The coverage of business insurance includes the following events: flood, fire, business interruption, general & public liability. Sphere Insurance Group provides a variety of policies that cover small businesses, tradespeople, professionals, hospitality operators and more. Different types of business require different policies to protect company assets and to protect against legal liabilities. Make sure you know what kind of insurance you need for your business. At Sphere Insurance Group, we can tailor your Business Insurance Package to suit the exposures that you face in your business to adequately protect your personal and business assets in the event of a claim.

     

    Transport Package

    Transport Package is a flexible insurance product designed for businesses with less than 15 commercial motor items to insure. It combines four insurance products:

    • Commercial Motor
    • Liability
    • Marine Cargo cover
    • Business Interruption, which delivers an income protection style of cover.
      You can choose to include all four insurance products in your Transport Package or tailor something to suit your needs – Commercial Motor is the only mandatory inclusion.

     

     

    Fleet Motor
    Ideal for fleets or 15 vehicles The Fleet policy provides Australia-wide coverage.
    We offer a comprehensive coverage, taking into account:

    • the area and scope of your operations (base, depots and transport areas)
    • the type of goods you transport
    • accident history
    • fleet size and composition
    • variations in fleet size
    • driver selection and training processes.

    Accident and Health Cover
    Individual Personal Accident and Sickness policy covers a variety of occupations. The policy specifically provides lump sum benefits due to death or permanent disability from accidental injury and weekly benefits for temporary disablement due to accident, injury or sickness. This assists in reducing financial hardship as a result of injury and sickness and the insured person’s inability to attend their usual occupation.

    Policy Features

    • Personal Accident, Lump sum payment for accidental death or permanent disabilities
    • Broken Bones payment for accidental injury
    • Weekly Benefits payment for temporary total disablement
    • Scope of Cover available includes 24 hour worldwide cover
    • Weekly benefits payable for up to 104 weeks after the accident or sickness
    • Employee or self employed
    • Broad occupation list

    Policy Sections

    • Accidental death
    • Permanent disability due to accident
    • Broken bones due to accident
    • Weekly Benefits payment for temporary total disablement
    • Weekly Benefits payment for temporary partial disablement

     

    Contact us today for an obligation free discussion.