General Insurance

General Insurance is there to compensate you for the loss of your valuables, and protect you from unexpected and overwhelming financial demands.

In general, insurance works by spreading the cost of risks over a larger number of people across a wider area.

Some risks are ever present in daily life, like the possibility of a car accident. Some risks are very unlikely but have enormous consequences if they do occur – like the total loss of the family home in a fire or flood. Businesses and professional activities have many and varied risks unique to their own areas.

You can insure your ‘stuff’, yourself, and also your circumstances.

Your ‘stuff’ may not bring you happiness (despite the way you feel about your first car) but it all cost a certain amount to obtain and will certainly cost you to replace should they be destroyed or stolen. Valuables most commonly insured include cars and other vehicles, and homes and their contents – but you can insure pretty much anything.

How can you insure yourself? Accident and income protection insurances are there to provide income in the event of your inability to work. Life insurance is there to provide for your dependants in the unfortunate event of your death, by ensuring they are provided for and not encumbered with outstanding debts.

Unwanted circumstances can be anything from the annoyingly inconvenient to the prohibitively expensive. Insurance can protect you in the event of travel mishaps, injuries to others by your product or service, legal action against you or your company, and much else besides.

When you take out an insurance policy you pay an annual premium. Some insurers allow for payments to be paid monthly, and in other cases external funding can be sourced.

We can help you with various insurance needs, including but not limited to:

  • Accident & Sickness
  • Business, Office and Trade Packs
  • Annual and Single Construction Risk
  • Builders Warranty
  • Owner Builder's Warranty
  • Public & Product Liability
  • Product Recall
  • Professional Indemnity
  • Lawyers Top Up
  • Medical Malpractice
  • Combined IT Liability
  • Directors & Officers and Management Liability
  • Multimedia Liability
  • Association Liability
  • Financial Institutions
  • Employment Practices Liability
  • Investment Managers
  • Kidnap & Ransom
  • Crime
  • Cyber & Privacy Risk
  • Tax Audit
  • Statutory Liability
  • Supplementary Legal Expenses
  • Trade Credit
  • Commercial, Industrial and Residential Strata
  • Marine & Pleasurecraft
  • Commercial Rent Default
  • Home & Contents
  • Landlords
  • Commercial, Fleet and Private Motor Vehicle and Motor Cycle
  • Workers Compensation
  • Voluntary Workers

ii-A is here to assist you with all your insurance needs. Our skill in conducting an in-depth analysis of your business or personal circumstances, and determining any risk mitigating factors surrounding your operations, allows us to negotiate the best possible outcome for you.

All ii-A clients benefit from a team of energetic, professional and knowledgeable consultants at their disposal. You will have an appointed Broker and a dedicated Claims Manager, who are all supported by our resourceful administration team.

And it’s not only our relationship with you that is important. Our ability to negotiate with insurers forms a significant part of what we do. All of our Brokers come from technical backgrounds, with many having previously worked for insurance companies. Now they are positioned to work for you, the client! We have greater understanding of the various types of policy wordings, their benefits and limitations, and how these could affect you and your business.

At ii-A, our client's best interests are our business. Contact ii-A today for your free no-obligation quotation on 1300 00 2481 or info@ii-a.com.au.