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What other types of insurance do Migration Agents need?
You’ve worked hard to build your business and your reputation, so it’s important to protect it.
That’s why BizCover provides a range of insurance policies to cover migration agents against the everyday risks that you and your business may face.
Public Liability Insurance
Public Liability Insurance covers you, your business, and your employees against claims of third party injury or property damage as a result of your business activities.
You need it if you have an office where your clients visit you, or if you go out and about to see them. Common claims include slips, falls and other accidents.
Cover includes:
- Compensation for personal injury and/or property damage to a client or member of the public
- Legal and defence costs
Business Insurance
Business Insurance provides financial protection for your business against unexpected events such as fire, storm damage and theft, as well as financial loss caused by interruption to your business as a result of an insured event.
Cover includes:
- Damage or theft of office contents or stock
- Damage to buildings
- Damage, loss or theft of portable valuables
- Damaged or broken glass, such as windows, mirrors or porcelain
- Money that is lost, stolen or damaged at your premises, in transit, or in your personal custody
- Loss, damage or breakdown of electronic equipment such as computers
- Business interruption
Management Liability Insurance
If you’re a company Director, Officer or Senior Manager then Management Liability will protect you against the exposures and risks involved with managing a business, such as allegations of mismanagement, misconduct or legislative breaches, including OH&S issues, unfair dismissal, sexual harassment, defamation, statutory breach of duty, and theft/crime by employees.
Cover includes:
- Damages and compensation costs awarded against you
- Claims investigation costs
- Legal and defence costs
- Some civil fines and penalties
- Theft/crime by employees
Tax Audit Insurance
Tax Audit Insurance provides protection in the event that you receive a random audit by the Australian Tax Office and other State or Federal government agencies. It covers expenses incurred during the tax audit such as professional fees for appointing accountants, lawyers, bookkeepers, actuaries & valuers.
Cover includes:
- Expenses incurred during an audit
- Professional fees
Cyber Liability Insurance
If you have an online presence or you store confidential information about your clients then Cyber Liability Insurance is a must. It covers your business against the expense and legal costs associated with data breaches or loss of client information from being hacked or following theft or loss of your computer, laptop or mobile phone.
Cover includes:
- Investigation and data recovery costs
- Extortion costs
- PR and crisis management costs
- Fines and penalties
- Business interruption costs
Personal Accident and Illness
Personal Accident and Illness Insurance offers financial protection when you can no longer work due to an injury or sickness. A policy will cover your lost income while you are temporarily unable to work, or pay you a lump sum payment if you are permanently unable to work due to a severe injury or illness.
Cover includes:
- Temporary loss of income as a result of not being able to work due to sickness or injury
- Optional Death and Disablement cover
- Additional benefits (depending on the cover you choose) such as return to work assistance, transport to and from work, re-imbursement of professional membership fees, re-imbursement of fixed business expenses, and funeral benefit