Whether you’re a budding entrepreneur launching a startup or a seasoned leader running a well-established company, RF&G has you covered. We offer a wide range of insurance products to safeguard your assets and mitigate potential risks:
- Property Insurance: Protects your business premises, equipment, and inventory from unforeseen events like fire, theft, or weather damage.
- Liability Insurance: Shields your company from financial repercussions if a customer sustains an injury or property damage on your premises.
- Business Interruption Insurance: Provides financial support to cover operational costs and lost income if a disaster or unforeseen event temporarily disrupts your business activities.
Stock and Contents: Inventory Makes a Difference
Knowing exactly what you’re insuring is crucial. To guarantee adequate coverage for your business contents, take a complete inventory of your office. This should include items like computers, furniture, office supplies, and everything used in daily operations.
Accurate stock valuation is essential. By submitting an up-to-date inventory, you equip our claims team to settle claims efficiently and get you the compensation you deserve. While not mandatory for all policies, storing your stock on pallets at least four inches off the ground is a recommended best practice.
Benefits of a Detailed Inventory:
- Faster Claim Resolution: With a clear inventory, our team can swiftly assess your losses and expedite your claim payout.
- Accurate Coverage: An accurate inventory ensures you have the right amount of insurance to rebuild your business in case of a disaster.
Knowing your business is adequately protected provides valuable coverage for you and your team.
Click on the tabs below to read more about each coverage:
Fire, Lightning, Explosion Only
This policy covers damages caused to your personal property by perils such as:
- Fire (including bushfire)
- Lightning
- Explosion
The perils of hurricane, windstorm, flood, earthquake, volcanic eruption are not covered.
The "Average Clause"
Fire & Associated Perils Including Catastrophic Perils
This policy covers damages caused to your personal property by such perils as follows:
- Fire (including bushfire) and Lightning.
- Hurricane, Windstorm, Rainstorm, Tornado, Earthquake, Volcanic Eruption and Tidal Wave
- Flood, Heavy Rainfall and Sea Surge
- Riots, Strikes and Malicious Damage
- Aircraft Explosion, Impact
- Burst Pipes
The "Average Clause"
Fire & Associated Perils excluding Catastrophic Perils
This policy covers damages caused to your personal property by such perils as follows:
- Fire (including bushfire) and lightning,
- Riots, strikes and malicious damage
- Aircraft, Explosion, Impact
- Burst pipes
The perils of hurricane, windstorm, flood, earthquake, volcanic eruption are not covered.
The "Average Clause"
Lightning,
Explosion Only
Perils Including
Catastrophic Perils
Perils Excluding
Catastrophic Perils
Fire, Lightning, Explosion Only
This policy covers damages caused to your personal property by perils such as:
- Fire (including bushfire)
- Lightning
- Explosion
The perils of hurricane, windstorm, flood, earthquake, volcanic eruption are not covered.