Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... your business and your bottom line. Whilst you've got the insurance ... ... . Here are some of the most common BizCover Business Insurance customer claims, and tips on how to prevent them. Theft Theft is unfortunately common for small businesses, especially for shop fronts with glass display ...

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Business Insurance in Wollongong

... B., Beauty Salon Owner How much does Business insurance cost? On average, small businesses in Wollongong pay $70.12** per month for their business insurance package. Business insurance is one of the most popular types ...

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Business Insurance in Bunbury

... does Business insurance cost? On average, small businesses in Bunbury pay around $54** a month for a Business insurance policy. Business insurance is one of the most popular types of insurance for small businesses in ...

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Business Insurance in Parramatta

... Amy E. Real Estate Agent How much does Business insurance cost? On average, small businesses in Parramatta pay $71.30** a month for their business insurance package. Business insurance is one of the most popular types of ...

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Business Insurance in Toowoomba

... in Toowoomba pay $60.97** per month for their business insurance packages. Business insurance is one of the most popular types of insurance for small businesses in Toowoomba. In fact, it is arguably important for ...

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Business Insurance on the Gold Coast

... How much does Business insurance cost? On average, small businesses on the Gold Coast pay $75 a month** for their business insurance, which is one of the most common types of insurance for small businesses on the Gold ...

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Business Insurance in Launceston

... !” Anne G. Bookkeeper How much does Public Liability insurance cost? On average, small businesses in Launceston pay $52.8 **for their business insurance packs. Business insurance is one of the most popular types of ...

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Business Insurance in Mackay

... Cleaner How much does Public Liability insurance cost? On average, small businesses in Mackay pay around $68.55** per month for their business insurance package. Business insurance is one of the most popular types ...

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Business Insurance FAQs

... the answers! Check out our library of FAQ's designed to make insurance easy to understand. Get Free Quotes Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover by ...

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Business Insurance in Newcastle

... in Newcastle pay around $71.06** per month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Newcastle. In fact, it is arguably important for ...

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Business Insurance in Melton

... in Melton pay $79.55** a month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Melton. In fact, it is arguably important for almost ...

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Business Insurance in Townsville

... in Townsville pay $91.55** per month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Wollongong. In fact, it is arguably important for ...

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Business Insurance in Cairns

... in Cairns pay around $73.93** a month for a Business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Cairns. In fact, it is arguably important for almost ...

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Business Insurance in Bundaberg

... in Bundaberg pay around $60.51** a month for a Business insurance policy. Business insurance is one of the most popular types of insurance for small businesses in Bundaberg. In fact, it is arguably important for almost ...

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Business Insurance in Geelong

... . Beauty Salon Operator How much does Business insurance cost? On average, small businesses in Geelong pay around $79.43**for their business insurance policy. A business insurance package is arguably important for almost ...

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Business Insurance on the Central Coast

... for them to answer. Great service.” Tina W. Heavy Machinery and Equipment Repair and Maintenance How much does Business insurance cost? On average, small businesses on the Central Coast pay around $68.66 a month**for a ...

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What is Business Insurance?

... need to protect these with the right Business Insurance cover: Businesses that own stock &/or fixtures and fittings ... Shops, Accountants, Repairers, Small Manufacturers etc. Could this happen to your business? It's easy ...

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Business Insurance

... feedback from our customers rated our service at excellent. Download Business Insurance Fact Sheet Get the cover that is right for you Your business may be considered 'small' but it's big to you and big to us ...

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How much does Business Insurance cost?

... . *Data based on NSW BizCover customers How much do food businesses pay for Business Insurance? The average cost of a Business Insurance package for businesses operating in the food industry is $132.75 per month ...

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Statutory Liability

What’s covered & what’s notThings to considerBack to Business Insurance Statutory Liability* Statutory Liability insurance covers the company, senior management and employees for allegations of wrongful breaches of key ...

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10 small businesses share what they love about their small business

... they love most about their small business. From the challenges to the ... Encore Admin Consulting (virtual assistant business) For Korryn, it is ... ? Contact us at marketing@bizcover.com.au with what you love about your small business, and if you're looking to fall in love with a business insurance provider that will return your calls, check out the latest quotes at ...

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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one ... your assets is Small Business Insurance. But what kind of insurance do you actually .. ... , there's no denying one the most important things you need to protect your assets is Small Business Insurance. But what kind of insurance do you actually need? There's no 'one-size-fits-all' when it comes to insuring ...

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The Other Virus - Making Your Small Business Cybersafe When Working From Home

... another virus plaguing small business owners working remotely cyber-crime. Small business owners and ... risks that can damage their business ... operating remotely, now is an important time to consider protecting your business with Cyber Liability insurance. The current climate for small businesses is already disrupted enough, how could it cope with the stress ...

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Triumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'

... Bizcover.com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte ... to Bizcover.com.au's Small Business Buddy program that dream ... have taken the hassle out of buying insurance for more than 25,000 businesses so far. They are supporters of a range of other small business programs such as the Small Business Champion Awards, which they sponsor, and ...

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The Risky Business of Insurance

... Real Costs to Australian Small Business? Small business owners tend to be ... and future planning. Managing business risk and ensuring that ... a ... estimates that 70% of these affected by a major event never recover. So how does a small business owner make savvy insurance decisions? Define “must haves” It's important to distinguish between 'must have' and 'nice to ...

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Help Protect your small business' reputation

... it comes to running a small business, your brand and its reputation ... take just one small mistake to destroy your business in minutes. As ... are a few to consider: Professional Indemnity Insurance If your business provides a professional service or advice, such ... , hackers are out there, and small to medium-sized businesses are prime targets. In fact, 60 ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump ... quotes and buy the insurance that suits your business ... pretty straightforward, jump online, compare quotes and buy the insurance that suits your business. But there are a few things you may not know about small business insurance - which may help you choose your next policy ...

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Lifestyle Tradie Group trades up; next Small Business Buddy Winner

... the latest $2000 Small Business Buddy Wish from BizCover Insurance. Mona Vale, May ... latest winners of BizCover's Small Business Buddy Wishes ... our wish granted! Our productivity will improve overnight”. The Small Business Buddy Wishes grant is an initiative of BizCover, an online Business Insurance service that has partnered with Australia's leading insurers to ...

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The Art of Being a Creative Small Business

... 're running your own business as a small team or flying solo ... , screenwriters and many more. Any small business owner [] ... a few to kickstart your creative adventure. Starting a small business: The first step is often the hardest, so ... the different examples of when you may need business insurance as a creative professional include if you are ...

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Cyber Liability Insurance: the safety net small businesses need

... and especially to small businesses. The reality is, no small business is immune and ... ... are vulnerable to breaches. By implementing a few basic preventative measures and robust Cyber Liability insurance, small business' are ensuring they are able to survive cyber-attacks, now and in the future. BizCover ...

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A $2,000 Wish for Your Small Business

... any small business owner about the most difficult aspect of running a business ... venturing down the path of business ownership is trying ... unexpected expense! Starting off as a small business themselves back in 2008, BizCover, an online insurance service for small businesses, knows all too well the lengths that a small business needs to go to in order to ...

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Life after lockdown - How to re-open your small business

... are beginning to ease and businesses are slowly starting to head ... the right direction for Aussie small businesses and the economy. If you ... ... 000 COVID-19 related scams and over $700,000 in losses since the outbreak of the virus. Small businesses are not immune from cyber-crime and Cyber Liability insurance can be a wise choice when it comes to protecting your ...

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Is your Small Business Summer Proof?

... of challenges and risks every small business should be aware of. Complete ... ... freezer. Machinery Breakdown can be covered under a Business Insurance pack; this will cover the repair or replacement ... people want to take advantage of. As many small businesses shut to enjoy the summer, they can be a ...

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Childers Local wins the latest Small Business Buddy Grant

... of the Bizcover $60,000 Small Business Buddy Program Grant Queensland,February ... animal grooming and pet care business Hannah's Hand Pet Care ... services over more traditional methods of buying insurance. Having someone literally change their business capacity overnight with a $2000 grant is precisely what the Small Business Buddy Program is about,” said Michael ...

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Small Business Continues to Win on Insurance Prices!

... pressure, prices remain flat for small business. Recent financial results from the ... price increase; however the BizCover Small Business Insurance ... insurers all indicate that the industry is long overdue for a price increase; however the BizCover Small Business Insurance Price Index for the first quarter of the financial year indicates that insurers have not been ...

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Business Interruption Insurance: Your 'Get Out of Jail Free' Card

... cripple your business and effectively 'lock up' operations. Business interruption insurance can provide ... lucky country, but sometimes your ... of small cities. When a catastrophe does occur it is often the interference to trading capabilities, and not the event itself, that has the real potential to bring a business to its knees. Business interruption insurance ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... latest Quarterly BizCover Small Business Insurance Price Index has shown insurance ... are holding on to pricing gains made last quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown insurance rates dropping back two points. Despite this drop, some insurers have managed to ...

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of The Quarterly BizCover Small Business Insurance Index has shown that Australian SME's may have enjoyed the end of declining insurance premiums with an increase of 5 points in the second quarter of FY2015/2016, the first ...

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Latest Small Business Buddy Winner: Evermore Memories

... Winner of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a ... new unique business based in Geelong Victoria, is ... latest winner ... the attention of BizCover when the entry came in for the Small Business Buddy grant program for a camera. BizCover, Australia's leading online business insurance service, started the $2000 monthly grant as a way to give ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their ... out or have been in business a while, you'll want ... make the most of your business funds ... 5. Shop Around for your Financial Services As a small business, you need to ensure that your finances are in good ... new loan, credit card, bank account or insurance for their business. It may be that the provider of your ...

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The Business of Love: Small Business Couples Tell All - Part 2

... beans of what running a small business together is really like. From ... on what jumping into the business bed together is like. Mums ... ... couples who spill the beans of what running a small business together is really like. From learning to give each ... starting a business together? At BizCover we provide a range of different business insurance policies for ...

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10 Tools Every Small Business Should Gift Themselves This Christmas

When you are running a small business you have to be many ... can help you manage your business more effectively. Here are our ... ... them again? HelloSign is an eSignature software for Small Businesses. The best part about HelloSign is that you ... BizCover is Australia's No. 1 online business insurance, where you can compare multiple quotes from ...

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Preparing your small business for a Tax Audit

... audits of 100's of small businesses. Even if your books are ... that any audit of your business is as painless as possible ... ... everything that you have put in your returns. Small businesses are required to keep all their records for a ... a tax audit cover either as part of your business insurance or as a standalone policy. Whilst it won't ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... up a new business or have been in business for a while ... and looking to buy insurance ... include a sub-limit of $100,000 for claims arising from flood damage. 5. Where can I buy business insurance? Researching the market can be a time consuming process, but thankfully there are a few options when it comes ...

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Small Business Champions

... Champions Awards. We are passionate about small business and our mission is to drive down the cost of business insurance for all Australian small businesses. BizCover's Small Business Buddy program is available to all ...

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The Risks of Growing Your Small Business

The only strategy that is guaranteed to fail is not taking risks. Mark Zuckerberg There comes a time when every successful enterprise needs to ditch the baby steps, ... phase involves growth and prosperity or financial breakdown. With smart risk management, however, and a tailored insurance plan, your business will be in the best position to come out the other side of its growth spurt ...

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Progressive Distillery in Hobart Tasmania, defeats hundreds of others Small Businesses Nationwide to become the latest winner of BizCover's $2000 grant, BizGiver.

Deviant Distillery, a high tech distillery in Hobart Tasmania, is doing something no one has even though of before. They've developed their own propriety technology that ... the BizGiver Grant. BizGiver, run by Australia's first online Small Business Insurance Comparison Site, is a $2000 Small Business Grant that awards a Small Business or Start-up a much needed wish to help grow their ...

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Cyber Security For Small Business

... Scheme? What to do in the event of a cyber attack or data breach What is Cyber Liability Insurance and why do small businesses need it? Download the White Paper Now Did you Know? The average cost of a cyber attack ...

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Small Business Insurance Index

... strong price increases in the business insurance market, SMEs are continuing to ... in the cost of business insurance, the BizCover SME Insurance ... the market at large has seen an increase in the cost of business insurance, the BizCover SME Insurance Price Index shows that overall pricing for SME insurance has remained flat over the last year. The BizCover index is ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... down the price ... market over the last few years has helped drive down the price of professional/business insurance for Australian SMEs. Since the start of FY 2012/13 SMEs have benefited by a drop in rates of 24 basis points. The ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... for most risks that a small business faces? ... fully protected. To assist you in understanding what types of insurance policies are available to small businesses, you can download our FREE Business Insurance Checklist here. To get instant multiple quotes from leading ...

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iSelect partners with BizCover to launch business insurance comparison

... include business insurance, through a partnership with BizCover, Australia's leading small business insurance service ... provider. Through the BizCover ... through a partnership with BizCover, Australia's leading small business insurance service provider. Through the BizCover partnership, iSelect is now offering small to medium (SME) business owners a full end-to-end online ...

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BizCover SME Insurance Price Index Q1 FY20

... reductions on their Public Liability insurance, while prices have remained steady ... ... in five years and transport costs increasing steadily. The increase did not affect the cost of insurance for small businesses on the BizCover platform as prices dropped to the lowest point in 24 months. The BizCover ...

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5 Common Beauty Insurance Claims

... a devastating effect on your business. We take a look at ... ... owners are likely to experience - and show you just how much having good business insurance coverage can save a small business in these kinds of situations. Disaster strikes Australia is no stranger to the devastating ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... edge online insurance model that connects independent professionals and small businesses to ... critical Professional Liability (E&O) insurance ... months and years BizInsure will become a one-stop insurance solution for all types of small business insurance needs.” Despite the rapidly evolving business world, the insurance industry has been one of the slowest to ...

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Public Liability Insurance in Adelaide

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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A Guide to Helping Your Business Make a Stress-Free Claim

Lodging an insurance claim is never a fun ... something that mattered to your business due to a disastrous event ... claim you just want your small ... upfront to help when making a claim. Understand the details As a small business owner, your time is precious and sitting down to read your insurance policy's 'Policy Wording' or 'Product Disclosure Statement' (aka PDS ...

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Public Liability Insurance in Perth

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Public Liability Insurance in Mandurah

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Public Liability Insurance in Brisbane

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Public Liability Insurance in Port Macquarie

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Public Liability Insurance in Rockhampton

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Public Liability Insurance in Hobart

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Public Liability Insurance in Darwin

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Steady as she goes - still no increases in Insurance Premiums!

... Small Business Insurance Price Index is indicating that the market for small business insurance continues ... to benefit from stability in insurance ... by continued competition, as well as capacity in the market. This has been the case across all insurance classes for small business, all of them seeing little change over the quarter, once again. As forecast in the last ...

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5 Tips for getting the best Public Liability insurance for your business

... 're a sole trader or small business owner, there's no doubt ... protecting your business and your customers with Public Liability insurance ... you can compare the premiums and the policy features. There are many options for small business owners when it comes to shopping and choosing insurance policies. Gone are the days of having to ring around and wait for ...

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A roadmap to staying in business for the long haul: Part 2

... journey to becoming a successful small business owner is one of twists ... to help you stay in business for the long run. Strap ... ... out. If you would like to find out more about what business insurance options are available to help protect your business get in touch with the BizCover team, Australia's Small Business insurance specialists.

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Protect your business with Statutory Liability Cover

... many different types of insurance policies available to small businesses to protect against ... . However, many business owners are unaware ... costly mistake, both financially and reputationally – not one that many small businesses' want to or can afford to make. This is where Statutory Liability insurance comes into play – designed to help cover the costs and ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or ... your business' activities. Failure in obtaining public liability insurance ... . Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to medium sized businesses do take out this insurance to protect any damage caused to ...

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Insurance Premiums for Retailers Continue to Climb

... to Climb The latest BizCover Small Business Insurance Price Index has been released ... is showing an increase in small business insurance rates ... 1), and similar to quarter 2 of last financial year, the index is showing an increase in small business insurance rates, with the index rising 3 points over last quarter. This increase however is not universal. Graph ...

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Insurance for Restaurants & Cafes

... could turn your cash cow into curdled milk! Business Insurance Even though you can't insure the ambience you ... all employees as good people, theft in small business is commonplace. Management liability protects against ...

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Insurance for Cafes

... , croissants or a cheeky muffin, so leave your order for business insurance with BizCover, the small business insurance specialist. Protecting your business has never been easier, receive multiple quotes, compare and get ...

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Minding Your Own Business: A Guide to Mindfulness for Small Business Owners

... secret that running your own business involves hard work, determination, long ... plans, often involving holidays, increased business and better ... of mindfulness, making it easier to incorporate as part of your daily routine. Inside the minds of small business owners Small business owners are known to put their health on the back burner and not make it a top ...

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Small Business Movies to Inspire When in Self-isolation

... relief, these movies about fictional small businesses are sure to keep you ... 've got all kinds of small businesses covers, so hang up the ... ... The Corner, and Joe (Tom Hanks) wealthy owner of rival chain store Fox Books. Take-aways from the tale? Running a small business can be tough, and it's important to be able to adapt and have a plan B when things don't ...

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5 Legal Essentials for your Small Business

... growing small businesses. You may be just starting out as a small business owner ... ... has a passion for ensuring access to justice in the community and growing small businesses. You may be just starting out as a small business owner, or are now setting your sights on expanding and growing your existing ...

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Pure Flowers is Pure Class Online Thanks to BizCover Small Business Grant

... , was already a highly successful Small Business at the end of 2015 ... were awarded the BizCover $2000 Small Business Grant BizGiver, having won ... over to our Facebook Page (or our entry page here for those without Facebook) and let us know your Small Business wish for your chance to win. Entries simply have to be invoiceable to be eligible. Pure Flowers Offer T ...

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Small Businesses Combating Coronavirus: Pinot & Picasso

... impacted a range of local small businesses we all know and love ... . We reached out to various businesses in Australia's SME community ... have ... . And finally, do you have any other tips or strategies would you like to recommend to other small businesses owners? Definitely utilising social media and video content for promotion. There's never been so many people ...

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5 Ways Digital Marketing Can Help Your Small Business During COVID

... there is one thing that small business owners have learnt during 2020 ... digital marketing can help your business stay in the game. We ... digital ... support If you need more assistance with digital marketing strategies and growing your business online, contact Australian Small Business Advisory Services (ASBAS). The ASBAS Digital Solutions team can provide help with ...

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Small Businesses Combating Coronavirus: Fusion Movement Studio

... impacted a range of local small businesses we all know and love ... . We reached out to various businesses in Australia's SME community ... have ... and adapted to the situation to unveil the initiatives they have introduced to keep their business going. We hope we can play a small part in showcasing their hard work and ingenuity so more people can take advantage of ...

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Small Business Day 2017

... and account for half of its Gross Domestic Product (GDP). So even though they may be small they pack a big punch! Small Business is big business to us! So to celebrate, we're giving a $25 gift voucher to all policies ...

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Working From Home - An Insider Guide by Small Businesses

... 've asked a mix of small business owners to spill the beans ... ... ball game. From marketing experts to IT whizz kids to remote nutritionists, we've asked a mix of small business owners to spill the beans on what creative activities and habits they use to get through the working week ...

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What's in it for S(Me)?: Customer loyalty marketing for small businesses

... on a recurring basis. A business may give points, like the ... Qantas Business Rewards program, or other incentives ... ... at key moments like birthdays or anniversaries. Use Email Marketing & Social Media to Promote Rewards Most small business owners use email and social media as the key channels to reach their current customer base or to ...

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Small Business Resolutions for 2017

... both your personal life and business life and set some goals ... long way to focusing your business in the right direction. And ... ... year to grow our new venture” “Start putting money in to my business and make my products look more professional.” 3. Cost cutting “My small business resolution; set new goals and trim the fat.” “My resolution is to ...

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The State of Small Business

It's that time of the year again, when we dust off the blue and maroon jerseys and battle it out on the footy field for the prestigious title of State of Origin champions ... go off the field and take a look at some of the issues our New South Wales and Queenslander small businesses are currently facing. Find out who's kicking goals when it comes to levels of confidence, the constraints our ...

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8 Lessons for Small Businesses from your Footy Finals Teams

It's that time of the year when cobwebs are brushed off jersey's, cars are adorned with streamers and there's an air of excitement and anticipation as to just who is ... spent some time looking at sporting teams and what makes them a top team, a finals contender, and just how small businesses can learn from their actions to be on that golden path to success. 1. Don't drop the ball – As ...

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The business of Business Insurance*

Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and effort into building your business. Don’t risk wasting all this effort by not protecting your business assets from unexpected events. No matter how much you plan and prepare for things, sometimes there are circumstances that are out of your control – you need to ensure you have a plan to protect your business today to ensure you’ll be in business tomorrow.

Business Insurance can provide financial cover for your business, including the premises and contents, against loss, damage or theft as well as cover against any resulting financial loss from an insured interruption to the business. The type of cover and amount will depend on the nature of your business and what areas you think you are the riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party get injured or suffer property damage whilst you are doing business.

Excellence in Customer Service


Independent feedback from our customers rated our service at excellent.

What is included?

A) Material damage loss for your physical assets

B) Financial loss due to Business Interruption

Choose cover options below!

What is typically NOT covered?

  • Negligence/breach of duty arising from an act, error or omission as a result of your professional services
  • Flood damage is generally excluded from standard policies
  • Known claims and circumstances

Download Business Insurance Fact Sheet

Link to Business Insurance Factsheet

Get the cover that is right for you

Your business may be considered ‘small’ but it’s big to you and big to us. That’s why we want to make sure you have the right protection. We offer various cover options to suit a variety of businesses.  Take a few minutes to consider some of the following risk areas and think about which ones impact you and how much cover your business would need should things not quite go to plan.

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general only and should not be relied upon as advice.