Commercial and Industrial

  • Air fleet operators
  • Agriculture
  • Associations & Not-for-profit organisations
  • Body Corporates
  • Events
  • Franchise Operations
  • Gyms and Fitness Centres
  • Medical Practices
  • Commercial & Heavy Motor Vehicle Fleets
  • Construction and Engineering
  • Contract Works
  • Motor Fleets
  • Schools
  • Sports
  • Tourism & Hospitality Establishments
  • Tour Adventure Operators
Accidental Damage Insurance for loss and accidental damage to property
Accidental Damage

Accidental Damage insurance covers sudden or unforeseen losses or accidental damage to property, or loss of function by any cause that is not specifically excluded, or for which insurance may be not available under any other policy.

Contents Insurance covers business and office contents and documents

Contents insurance is comprehensive cover for office contents and documents. Protect all the contents inside the premises of your business

Contractors All Risks Insurance Contract Works Plant and Materials Insurance
Contractors All Risks

Also known as Contract Works insurance and Plant and Materials insurance, a comprehensive Contractors insurance policy is essential for contract work.

Directors and Officers Liability Insurance covers a breach of a fiduciary duty
Directors and
Officers Liability

A breach of a fiduciary duty by a director or officer of the business is covered by Directors and Officers Liability insurance.

Electronic Equipment Insurance for computers laptops and sophisticated gadgets
Electronic Equipment

For comprehensive insurance covering computers, laptops, other electronic equipment and sophisticated gadgetry use Electronic Equipment insurance.

Employers Liability Insurance covers employees death or injuries when at work
Employers Liability

Liability incurred upon employees’ death or injuries experienced while on duty is covered by Employers Liability insurance.

Fidelity or Commercial Crimes Insurance covers theft due to dishonest employees

Fidelity insurance also known as commercial crimes insurance covers the loss of money and property due to dishonest employees.

Fire and Allied Perils Insurance
Fire and Allied Perils

Fire and Allied Perils coverage is extremely customisable.

Machinery Breakdown and Business Interruption Insurance
Machinery Breakdown and Business Interruption

Machinery Breakdown insurance is for the unforeseen and sudden physical loss of, or damage to, machinery.

Financial Insurance covers the loss of cash or cheques

This financial insurance product is specifically for the loss of money in the physical form of cash and cheques.

Motor Insurance for vehicles used for business personal or professional use

Motor insurance is comprehensive or limited insurance for a vehicle, covering vehicles used for private, business or professional use.

Professional Liability Insurance covers the legal defense of a professional
Professional Liability

Professional Liability insurance covers legal defence and compensation awarded due to the negligence or failure of professional persons.

Property Insurance covers fire flood earthquake inland marine and boilers

Property cover includes fire, flood, earthquake, inland marine and boiler insurance.

Public Liability Insurance for death or injury or illness or damage to property
Public Liability

Pay-outs made for Public Liabilities are made towards third parties because of death, bodily injury, illness or damage to property that may arise from the activities of the insured.

General Public Liability and Professional Indemnity Insurance
Public Liability and Professional Indemnity

ART can provide both General Public Liability and Professional Indemnity insurance.

Theft Insurance covers loss or damage caused by theft

Theft Insurance covers loss or damage caused by theft.

Transit Insurance covers goods not transported by sea

Use Transit insurance for comprehensive insurance of goods that are not transported by sea. Restricted cover can be taken.

Transport Insurance is available on an annually renewable basis

This Transport insurance product is available on an annually renewable basis.