Business Products and Services

Business Insurance

Our dedicated team of Business Insurance experts will partner with you to fully identify the risks inherent to your business and will develop the most effective insurance policy for you. We have specialist technical knowledge across a range of industries and some of the key business risks we can help you insure against, include:

 

  • Damage to buildings, contents or stock
  • Protection against loss of income from interruption to your business
  • Machinery breakdown
  • Employee dishonesty
  • Marine transit
  • Public and product liability including product recall, client goods in your care, errors and omissions
  • Loss or damage to property undergoing construction
  • Motor vehicle fleet insurance
  • Corporate travel and group personal accident insurance
  • Tax audit insurance
  • Worker’s compensation.

 

Download the Workers Compensation Insurance Flyer

 

Let’s Talk:

Jeff Price
Call: +61 2 8850-8717
Email: jprice@steadfast-irs.com.au

Property Insurance

Not every risk or industry is the same and our team of experts have proven knowledge and experience to develop a programme that will protect your assets, products and more importantly business continuity in the event of a loss.

Our process is simple, we carry out a risk analysis of your business, and then work with you to arrange the most cost effective and comprehensive means of coverage.

We will also work with your senior management to develop contingency plans to minimise any interruptions or delays in the business getting back on its feet following a serious loss.

 

Let’s Talk:

Jeff Price
Call: +61 2 8850-8717
Email: jprice@steadfast-irs.com.au

Public & Product Liability

We understand that business owners have a responsibility to third parties – customers, employees, suppliers and the community; and third party property. In a society that is becoming more litigious, it is crucial to protect your business from being held accountable for grievances which can negatively impact your brand and bottom line.

 

Our insurance specialists are experts in Public Liability Insurance. This cover provides legal protection against potential liability to third parties for either personal injury or property damage if a business is found to be negligent or legally liable.

 

Our team of highly skilled professionals can cover your business with Products Liability insurance. This provides protection against a customer being hurt or injured as a result of your product or service. It provides cover for legal fees and any compensation that may be awarded as a result of legal proceedings by the customer.

 

Let’s Talk:

Jeff Price
Call: +61 2 8850-8717
Email: jprice@steadfast-irs.com.au

Commercial Motor Insurance

We understand that businesses can heavily rely on transportation vehicles for the efficient operation and delivery of their products or services. It is essential to protect this business asset.

 

Commercial Motor Insurance provides coverage against damage and third party property for all the motoring assets of your business including cars, vans, goods transporters, caravans, forklifts, dumpers, tractors and loaders. This type of insurance is recommended for organisations with vehicle fleets comprising 10 vehicles or less.

 

If you have a larger fleet of more than 10 vehicles, we recommend you consider taking out Motor Vehicle Fleet Insurance. This insurance provides flexible coverage for a wide range of vehicles of varying types and classes and can be customised to meet the needs of your business.

 

Heavy Motor insurance covers over-size transport vehicles and plant equipment. The insurance coverage under this type of policy secures:

 

  • Heavy motor vehicles and plant (including keys and locks, accidental death, tow operator cover and removal of vehicles).
  • Public Liability insurance (includes repair work and depot risk, care, custody and control cover).
  • Personal accident and sickness.
  • Marine transit (coverage includes non-delivery, loading and unloading, rainwater damage, on-forwarding and theft).

 

Let’s Talk:

Jeff Price
Call: +61 2 8850-8717
Email: jprice@steadfast-irs.com.au

Construction

Build your business with confidence

From demolition and excavation to construction and fit-out, building sites can be filled with risk of injury, property damage and financial loss. Having the right cover is imperative. As such, we have purposefully created products specific to the construction industry.

 

Liability Insurance

We cover any activity that’s part of, or related to, the construction industry.

  • Annual or project-specific
  • Additional coverages can be included.

 

The policy can be extended to include as sub limits:

  • Contract Works
  • Annual or single project for Civil, Mechanical,
  • Electrical or Building Contractors.
  • Australia wide coverage.

 

Contract Works

  • Annual or single project for Civil, Mechanical,
  • Electrical or Building Contractors.
  • Australia wide coverage.

 

Construction Plant & Equipment

  • As a separate policy or part of a contract works policy.

 

Let’s Talk:

Roy McClelland
Call: +614 1266 2262
Emailrmcclelland@steadfast-irs.com.au

Cyber Insurance

Since the introduction of digital technology, Cyber crime has become one of the major risks facing companies around the World.

In Australia, several hundred thousand businesses have been exploited by criminals and people seeking to destabilise your business, and its database and brand in the market.

Areas of coverage can include:

  • Privacy breaches of customer information.
  • Loss of sensitive and confidential data and information.
  • Extortion.
  • Computer Viruses.
  • Fines and Penalties following a breach.

 

It’s a popular misconception that criminals only target high profile businesses and statistics show that more than 50% of these attacks were on SME enterprises.

 

Let’s Talk:

Jeff Price
Call: +61 2 8850-8717
Email: jprice@steadfast-irs.com.au

Directors & Officers

As litigation against companies increases worldwide, Australia is now the second most litigious society in the world, beaten only by the USA. The amount and value of claims have risen by 50% in just three years, indicating that consumers are far more likely to take action against a company or individual if they feel they have suffered damage or impairment.

Directors and Officers insurance is put in place to protect the personal assets of a company’s directors and officers. It is designed to provide financial protection if they are sued in relation to the performance of their company duties.

 

Let’s Talk:

Jeff Price
Call: +61 2 8850-8717
Email: jprice@steadfast-irs.com.au

Professional Indemnity

Whether you are an accountant, web designer, or providing professional advice or services we can assist you by tailoring a product to meet your needs.

Your claims will be managed pro-actively, to avoid costly litigation.
Coverage can be negotiated to include:

  • Fraud & dishonesty.
  • Run-off cover.
  • Bodily injury.
  • Property damage.
  • Trade Practices Act.
  • Continuous cover.
  • Loss of documents.
  • Official investigation costs.

Let’s Talk:

Jeff Price
Call: +61 2 8850-8717
Email: jprice@steadfast-irs.com.au

Management Liability

Management Liability Insurance provides a company, and its directors and officers, protection against the risks of managing a business. Anyone who owns or is involved at the management level in a company carries specific responsibilities. They may be personally liable for any alleged or actual wrong-doing as a director, officer or owner of that company.

A company, and its directors and officers, can face both personal and corporate action from shareholders, employees, competitors, creditors, regulators, customers and administrators. Even if a claim appears completely baseless or without merit, it still takes time and money to defend.

Broadly speaking, Management Liability insurance covers the following:

  • Employment Practice Liability.
  • Statutory Cover.
  • Directors and Officers.
  • Company / Entity Cover.
  • Superannuation Trustee Cover.
  • Crime Cover.
  • Tax Investigation Costs.
  • And a long list of extensions.

 

Let’s Talk:

Jeff Price
Call: +61 2 8850-8717
Email: jprice@steadfast-irs.com.au

Workers Compensation

For many businesses, Workers Compensation is the largest and most volatile insurance premium. If employers do not devote time and resources to it, premiums can become out of control. However, it is a controllable cost.

 

Our specialist workers compensation services are, designed to:

  • Assist you in managing your workers compensation
  • Control your premium costs

 

Our workers compensation specialists have expertise in all states of Australia and our services include:-

  • Claims management.
  • Premium forecasting.
  • Industry classification.
  • Workcover/iCare appeals.
  • WH&S Management.
  • Return to work services.
  • Self-insurance.
  • Burning cost assessment and management.

 

Download the Workers Compensation Insurance Flyer

 

Let’s Talk:

Damian Wheelahan
Call: +61 2 9034-5514
Email: dwheelahan@steadfast-irs.com.au

Marine Insurance

Marine Transit insurance, also known as Marine Cargo, covers damage to property and goods in transit in the event of unforeseen incidents including strikes, theft and malicious damage. It also covers salvage contributions required under a bill of lading and physical loss or damage to goods caused by collision, grounding or sinking. Marine Cargo insurance is often divided into Inland Marine which covers property and goods in transit between locations that don’t require sea transport, and Ocean Marine which covers goods in transit and property requiring a sea voyage.

 

Let’s Talk:

Jeff Price
Call: +61 2 8850-8717
Email: jprice@steadfast-irs.com.au

Corporate Travel

We know that travelling can present lots of unexpected challenges. The last thing you want, is for something to go wrong. For peace of mind, our Corporate Travel Insurance allows you to travel confidently with the knowledge that you are covered

 

Our dedicated team of specialists, partner with you to protect the employees of your business against travel risks such as:

 

  • Travel service provider insolvency.
  • Overseas medical and dental.
  • Amendment or cancellation costs.
  • Delayed luggage allowance.
  • Rental car insurance excess.
  • Travel delay.
  • Disability.
  • Accidental death.

 

Let’s Talk:

Jeff Price
Call: +61 2 8850-8717
Email: jprice@steadfast-irs.com.au

Financial Planning

Macaplan our financial planning company are experienced and highly qualified financial planners, dedicated to providing you with the very best, unbiased advice on how to get the most out of your money and plan for your future. We look after your financial needs in the following areas:

 

  • Superannuation/SMSF – We take the time to listen to what you want to achieve with your superannuation and implement long term plans that are flexible enough to change as your personal circumstances do.

 

  • Retirement – We can assist you in all areas of your retirement plan. We strive to be proactive and show you how a little planning at the start can be the difference between a happy and prolonged retirement, or being forced back to work to fund the lifestyle you desire.

 

  • Comprehensive Advice and Other Services – We are here to help you identify, strategise, implement, review and manage your full financial plan ensuring you take control of your financial future.

 

Let’s Talk:

Miguel Rodrigues
Call: +61 2 8633 8839
Email: mrodrigues@macaplan.com.au

Life Insurance (Personal & Business)

We know that Life can be unexpected and doesn’t always go according to plan. Macaplan – part of the Steadfast Group – are our team of highly qualified and experienced financial planners. We specialize in business and personal insurance as well as Superannuation, SMSF, and Planning.

 

With access to a broad range of insurers, we are able to give an unbiased view of your needs and implement risk insurance strategies for both our personal and business clients that provide lasting peace of mind.

 

Our Personal Risk Insurances provide coverage for:

  • Life insurance.
  • Total and Permanent Disability Cover (TPD).
  • Trauma insurance.
  • Income protection.

 

Our Business Risk Insurances provide coverage for:

  • Key person insurance.
  • Guarantor protection insurance.
  • Buy/sell agreement funding.
  • Business expenses insurance.

Let’s Talk

Miguel Rodrigues
Call: +61 2 8633 8839
Emailmrodrigues@macaplan.com.au