Insurance Cover
Specialised Risk Management Solutions for Tobacco Industry Businesses
Tobacconists require specialised insurance solutions to address their unique industry challenges. We arrange comprehensive, customised coverage specifically designed for your tobacco retail operation.
Key Policies to Consider:
BUSINESS INSURANCE
Business Property insurance provides comprehensive protection for physical assets such as buildings, inventory, equipment, and fixtures against damage or loss from covered perils including fire, theft, and natural disasters, safeguarding a company’s financial investment in its operational infrastructure.
MANAGEMENT LIABILITY
Management Liability insurance is designed to protect your business and its key decision-makers — including directors, officers, and employees — from a wide range of financial exposures that can arise through the day-to-day management of a company.
PUBLIC LIABILITY
If an accident or unforeseeable incident causes damage or injury to someone (other than your employees), you may be found legally liable to cover the costs. Public liability insurance can help to protect your business from the financial risk of liability claims – helping you trade with confidence.
BUSINESS INTERRUPTION
Business Interruption insurance provides crucial financial protection that compensates businesses for lost income and ongoing expenses during periods when normal operations are suspended due to covered property damage or other insured events, enabling business continuity and recovery.
COMMERCIAL PROPERTY OWNER
Commercial Property Owner insurance provides comprehensive protection for investors and landlords who own buildings and commercial premises. We understand being a property owner is a significant investment for business owners, therefore we take the necessary care to find you the best commercial property insurance for your situation. Our specialist knowledge and insurer relationships mean you benefit from competitive premiums and comprehensive coverage designed specifically for commercial property investors, allowing you to protect your investment with confidence.
WORKERS’ COMPENSATION
Workers Compensation insurance is a mandatory form of coverage that provides wage replacement and medical benefits to employees who suffer work-related injuries or illnesses, while simultaneously protecting employers from potential lawsuits related to workplace accidents.
CYBER LIABILITY
Cyber Liability Insurance is specifically designed to protect your business from the financial consequences of cyber incidents such as hacking, ransomware, data breaches, and other forms of digital disruption. These risks are not covered under a standard business insurance policy, leaving many businesses exposed in the event of a cyberattack.
STRATA INSURANCE
Strata insurance is a specialised form of property coverage that protects shared buildings and common areas within multi-unit developments, ensuring that owners corporations and body corporates meet their legal obligations to protect jointly-owned property against damage and liability risks.
additional services
• Premium Funding
• Trade Credit Insurance
• Life and Business Life Insurance
OUR PARTNERS
STEADFAST PARTNERSHIP
Steadfast Group is Australia’s largest general insurance broker network and the largest group of insurance underwriting agencies in Australasia, with growing operations across Asia and Europe. As a proud member of the Steadfast Network, our brokerage benefits from being part of a collective of over 400 general insurance brokerages across Australasia, giving us access to superior market access, exclusive insurance products, and enhanced services that we pass directly on to our clients.
COMMUNITY BROKER NETWORK (CBN) PARTNERSHIP
Community Broker Network (CBN) is Australia’s largest general insurance Authorised Representative (AR) network, supporting over 340 AR businesses across the country with more than 8 years of consistent growth. As a national AR network, CBN operates under an Australian Financial Services Licence, providing our member brokers with comprehensive compliance support, market access, and operational infrastructure that allows them to focus on what matters most – servicing their clients.
NIBA (National Insurance Brokers Association)
The National Insurance Brokers Association (NIBA) is the peak representative body for insurance brokers in Australia. For over 40 years, NIBA has been the respected voice of the insurance broking profession, representing around 450 member firms and approximately 11,000 individual insurance brokers operating throughout Australia.
VICTORIAN CHAMBERS OF COMMERCE AND INDUSTRY
AIC Insurance Brokers is a proud member of the Victorian Chamber of Commerce and Industry which is the largest and most influential business organisation in Victoria, informing and servicing more than 15,000 members, customers and clients across the state.
