Tourism and hospitality are important pillars of our economy, but running a tourism business isn’t always easy. Environmental issues, seasonality, technological changes, and labour market issues – even isolation, are all important issues to carefully consider when developing an insurance program. Being isolated can be a big plus when it comes to tourism, but certain insurance risks become more onerous e.g. climatic conditions coupled with the lack of public utilities and services.
Our Ausure Advisers understand the issues facing tourism and hospitality better than most and will help you ensure your business is covered for the risks you face.
What insurance should you consider?
Employment Practices Liability Insurance can cover a range of liabilities that an employer may face following wrongful termination, refusal to employ, failure to promote, demotion, disciplinary action, sexual harassment, discrimination or defamation of an employee. Industries Administrative and Support services
Management Liability Insurance can protect Directors and Officers for legal liability they may incur personally in managing a corporation, it also extends to the corporation itself for certain types of claims Industries Administrative and Support services Aviation Building
Directors and Officers Liability Insurance is offered in two sections. A standard policy provides coverage for Directors and Officers covering their legal liability for wrongful acts committed whilst acting in their capacity as a Director or Officer. It
Commercial Property Owners Insurance is a solution tailored for the unique cover requirements of commercial property landlords. It is designed to provide customised cover for property, loss of income, theft, money and rent default, glass, tax audit, OH&S and legal costs, and machinery / electronic equipment breakdown liability.
An Industrial Special Risks Insurance policy typically protects the Insured against losses involving assets and business interruption arising from physical loss or damage to the property used in the business. Industries Manufacturing Retail Trade Hospitality Logistics Mining Real
Public/Products Liability Insurance offers coverage over legal liability to third parties for damage arising as the result of an occurrence in connection with the insured’s business, premises or products against bodily injury or property damage. Industries Administrative and Support
A Commercial Motor Vehicle Insurance policy can provide cover against theft and accidents for business vehicles and trucks. Industries Logistics Building and Construction Real Estate and Commercial Property Retail Trade Administrative and Support services Aviation Education and training
A Business Package Insurance policy offers protection against a variety of risks for businesses in all industry sectors. Business Package insurance includes property, business interruption, theft, money, machinery breakdown, electronic equipment, broadform liability, glass breakage and general property.
Insurance coverage that can protect policyholders from losses incurred from injuries resulting from accidents or illness. Covers products such as Personal & Group Accident & Illness, Corporate Travel, Voluntary Workers, Inpatriate and Expatriate cover, Journey cover and Sports