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Business Insurance Quote

Business Insurance is complex so we will phone to obtain the neccessary details

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Liability Insurance Quote

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Level of protection $

Insured Details

Insured Address

Do you/expect to hire subcontractors?

Yes, I do No, I don't

Do you expect to engage labour hire?

Yes, I do No, I don't

Does the business export any products to North America?

Yes, I do No, I don't

Current Insurer Details

In the last five (5) years, has the insured ever been placed in receivership or liquidation or declared bunkrupt?

Yes, I have No, I haven't

In the last five (5) years, have you been convicted of or had any fines or penalties imposed for any crime involving drugs, dishonesty, arson, theft, fraud or violence against any person or property?

Yes, I have No, I haven't

Have the insured ever had insurance declined or cancelled or had special terms imposed by an insurance company?

Yes, I have No, I haven't

5 year Claims History

Disclaimer and terms and conditions. By submitting this quote request you agree that: I/We have read the duty of disclosure included in this Application Form. I/We confirm that the answers and statements in this application are correct and that no information has been withheld which may affect the decision to accept this application or the terms and conditions. A) intermediaries through which I/we deal with HG Insurance Services Pty Ltd (for instance an agent, broker or financial advisor); B) claims assessment participants (for instance an assessor, investigator and/or loss adjuster); C) other reputable service providers (for instance mail houses ); and/ or D). Underwriters, who are responsible for part/all of the risk under a contract of insurance (for instance a reinsurer). I/We understand that HG Insurance Services Pty Ltd may give to or obtain from other insurers and/or Insurance Reference Services information from this application and claims information obtained through the course of the contract. By submitting this Application Form, I/we consent to HG Insurance Services Pty Ltd collecting and using this information for these purposes. This is subject to my/our right to opt out of receiving various direct marketing materials at any time. I/We acknowledge that I/we have rights to access my/our personal information held by HG Insurance Services Pty Ltd in accordance with the National Privacy Principles. I/We understand that this insurance does not operate until acceptance of this application in writing by HG Insurance Services Pty Ltd (except for any cover provided under an interim contract of insurance). Prior to personal and sensitive information being collected and any personal advice and or insurance product advice being made I/we received a copy of the FSG and given the opportunity to read it before voluntarily giving my personal information. The Adviser told me/us that if I/we chose not to provide the adviser with complete and accurate information, that the adviser could only give me/us Limited Advice warning in relation to the limitations of the provision of personal advice. That the advice and recommendations given may not be accurate or truly suit my needs.

Yes, I agree No, I don't agree
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Building & Contents Insurance Quote

Home Contents Quote Form is for when you are occupying the premises. If a landlord please complete our landlord quote form

Applicant/Insured Details

Eldest applicants date of birth

Applicant postal address

Building details

Building sum insured (Building replacement cost excluding land, OR Contract Value for New building) $

Contents sum insured (landlords- consider fixtures and fittings such as carpets and blinds) $

Some insurers have sublimits on the maximum they will pay for a single, or group of contents unless they are specifically itemised on the policy. Please list below any items or group of items valued over $2,500 you would like listed on your policy

Public Liability Insurance - provides financial compensation for cases where a person injures themselves on your property

Public Liability Sum Insured

Floor construction

Wall Construction

Roof construction

Is the property well maintained structurally sound and secured against wind and rain?

Is the property undergoing renovations, under construction OR to be demolished?

Is your home location on a site exceeding 20,000 square meters?

Has the land where the building or contents are, been flooded or inundated by water in the last 10 years?

Is there a pool on your property?

Is any part of the risk address used for any business, trade or profession other than a home office, or is the building located on a farm or hobby farm?

Do you have padlocks on all external doors?

Does your building contain any Expanded Polystyrene (EPS) or External EPS cladding?

Yes, it does No, it doesn't

In the last five (5) years, has the insured ever been placed in receivership or liquidation or declared bankrupt?

Yes, I have No, I haven't

In the last five (5) years, have you been convicted of or had any fines or penalties imposed for any crime involving drugs, dishonesty, arson, theft, fraud or violence against any person or property?

No, I haven't Yes, I have

Have the insured ever had insurance declined or cancelled or had special terms imposed by an insurance company?

Yes, I have No, I haven't

In the last five (5) years, have you been convicted of or had any fines or penalties imposed for any crime involving drugs, dishonesty, arson, theft, fraud or violence against any person or property?

Yes, I have No, I haven't

Disclaimer and terms and conditions. By submitting this quote request you agree that: I/We have read the duty of disclosure included in this Application Form. I/We confirm that the answers and statements in this application are correct and that no information has been withheld which may affect the decision to accept this application or the terms and conditions. A) intermediaries through which I/we deal with HG Insurance Services Pty Ltd (for instance an agent, broker or financial advisor); B) claims assessment participants (for instance an assessor, investigator and/or loss adjuster); C) other reputable service providers (for instance mail houses ); and/ or D). Underwriters, who are responsible for part/all of the risk under a contract of insurance (for instance a reinsurer). I/We understand that HG Insurance Services Pty Ltd may give to or obtain from other insurers and/or Insurance Reference Services information from this application and claims information obtained through the course of the contract. By submitting this Application Form, I/we consent to HG Insurance Services Pty Ltd collecting and using this information for these purposes. This is subject to my/our right to opt out of receiving various direct marketing materials at any time. I/We acknowledge that I/we have rights to access my/our personal information held by HG Insurance Services Pty Ltd in accordance with the National Privacy Principles. I/We understand that this insurance does not operate until acceptance of this application in writing by HG Insurance Services Pty Ltd (except for any cover provided under an interim contract of insurance). Prior to personal and sensitive information being collected and any personal advice and or insurance product advice being made I/we received a copy of the FSG and given the opportunity to read it before voluntarily giving my personal information. The Adviser told me/us that if I/we chose not to provide the adviser with complete and accurate information, that the adviser could only give me/us Limited Advice warning in relation to the limitations of the provision of personal advice. That the advice and recommendations given may not be accurate or truly suit my needs.

Yes, I agree No, I don't agree
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Other Insurance Quote

So tell me, which insurance are you looking for?

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Liability Insurance

Liability Insurance typically refers to cover for Public Liability, Professional Indemnity and Management Liability.

The insurance cover required will depend on your occupation, risks of injury to third parties such as customers, whether you give qualified advice or breaches in managerial duties.

*Please note all insurance policies have exclusions. Please refer to the Product Disclosure Statement or Policy Wording before deciding whether the insurance policy meets your needs.

Public & Products Liability Insurance

What is Public liability Insurance?
Public Liability insurance is your protection if, as a result of your business activities, your business is found to be legally responsible for personal injury to a third party or damage to their property. With increasing litigation in Australia you'll probably consider this to be one of your more important covers.

Sum insured from $5,000,000
Pay by the month Yes
Period of Insurance: up to 365 days

Professional Indemnity Insurance

What is Professional Indemnity Insurance?
If your business provides advice to your clients, it’s important to consider protection for your business against allegations of malpractice or professional misconduct. Businesses which provide professional advice or services, can be held liable for claims arising from errors or omissions or breach of duty committed by the business or their employees or consultants. This means that if you do something, or fail to do something, in the course of your work and a client suffers…or alleges they’ve suffered a loss, they may take action against you. These Policies can provide protection for claims brought against the company or their principals, or employees.

In addition to the payment of any settlement, substantial investigation and defence costs can be incurred in defending the company and its reputation. In many cases these claims can be without substance, but you are still required to defend them.

Sum insured from $500,000
Pay by the month Yes
Period of Insurance: up to 365 days

Management Liability Insurance

What is Management Liability Insurance?
Management Liability aims to protect your business, directors and related entities against exposure to the legal consequences of innocent breaches arising from daily activities of running a business. Key areas of this cover include OH&S investigations, Employment Practices, Statutory Liability (in some instances, can include fines and penalties), Employee theft and third party crime, ATO investigations and enquiries, and Personal asset protection.

Typical insurable events may include:
• Wrongful acts committed by company directors and managers such as misrepresentation and breach of duty
• Wrongful dismissal, bullying, or discrimination breaches claims brought against you by your employees
• Costs of legal expenses of defending certain claims against your business for wrongful conduct

Pay by the month Yes

Case Example: Liability Claims

Your a Doctor who owns and runs a surgery and your patient walks into your room and trips on your waste bin which is protruding in the doorway, they subsequently injure themselves. This could give rise to a claim against your public liability insurance.

Your a Doctor who owns and runs a surgery and you provided the wrong advice on your patient illness which had serious ramifications to the patients health. This could give rise to a claim against your Professional Indemnity insurance.

Your a Doctor who owns and runs a surgery and you have to cut back on staff wages so you decide to let go of some employees. One of your employees has recently made a complaint against you to their union and happens to also be one of the staff members you chose to let go. That employee then claims unfair dismissal based on discriminatory motives. This could give rise to a claim against your Management Liability insurance.

Company Details

HG Insurance Services Pty Ltd
A Corporate Authorised Representative (CAR) of Sphere Insurance Group.
Auth Rep No: 1252757, Australian Financial Services Licensee No. 478959.

Contact Details

Email address:
info@hgis.com.au

35 Amalfi Drive,
Surfers Paradise, Queensland, 4217

Mailing address:
PO Box 286
Isle of Capri, Queensland, 4217

Phone: (07) 5602 6409

Office hours:
Weekdays: 8:30am - 5:00pm
Weekends: By appointment
During claim: Anytime