The IBNA Gold Business Package Insurance Policy has some of the best coverage policy wordings available on the market at very competitive premium rates.
Some of the policy features are:
- Accidental misfortune of any description not specifically excluded is covered so it provides a broad safety net cover and is not limited to a list of specified events cover like most policies.
- Replacement cost as new coverage - including natural disaster cover increase up to 20% of building cover in the event of cyclone, bush fire, earthquake, severe storm etc.
- Business Interruption cover option - to ensure your cash flow continues when your business can't due to a major disruption
- Claims preparation costs up to $25,000 to engage your own claims expert
- Flood coverage available
- Transit cover up to $50,000 for property on your vehicle against collision or overturning
- Taxation audit costs coverage up to $10,000 automatically included
- Legal liability for bodily injury or property damage anywhere in the world to your selected sum insured and including property in your control cover up to $100,000
- Employee dishonesty up to $5,000
- Illegal use of corporate transaction card up to $5,000
- Money coverage - seasonal or festive cover increased to 50% additional cover
- Storm damage to walls, gates and fences included up to $25,000 ... not usually covered
- Special Risks coverage option - unspecified items cover up to $2,000 per item for property away from the premises
- Theft without forcible entry coverage option at the premises up to $5,000 limit