We specialise in providing comprehensive insurance coverage tailored to the unique needs of businesses across various industries. Our team of experienced professionals possesses in-depth knowledge of the business landscape, enabling us to offer customised insurance solutions that address the specific risks and challenges faced by companies of all sizes. Whether you’re a small startup or a large corporation, we are committed to protecting your business with the right coverage.
Our expertise includes:
Professional Indemnity
Industrial Special Risk/Property
Public & Products Liability
Office/Business Package
Directors And Officers/Management Liability
Cyber
Personal Accident
Corporate Travel
Commercial Motor Fleet
Machinery Breakdown
Marine Cargo
Plant & Equipment
Contract Works
The earthmoving industry involves activities related to the excavation, movement, and management of soil and other materials. This sector is crucial for various construction and civil engineering projects. Key equipment used in earthmoving includes bulldozers, excavators, loaders, graders, and backhoes. Operating this machinery requires skill and precision to ensure safety and efficiency.
Given the high-risk nature of earthmoving operations, businesses in this industry typically need several types of insurance policies to protect against various risks.
Our expertise includes:
Plant Machinery & Equipment
General Property/Tools
Heavy & Light Motor Fleets
Public Liability
Management Liability
Statutory Liability
Marine Cargo
Corporate Travel
Personal Accident & Sickness
Downtime Cover
Contract works / Construction
At Sage Insurance, our team of experienced professionals possesses in-depth knowledge of wealth management and family office operations, enabling us to offer customised insurance solutions that address the unique risks and challenges faced by family offices. Whether you manage a single-family office or a multi-family office, we are committed to protecting your assets and legacy with the right coverage.
Our expertise includes:
Professional Indemnity
Management Liability
Family trust and trustee liability
As well as specific risks for the Family office itself including:
Individual Businesses
Commercial Property
Personal Property such as luxury homes
Personal Assets such as Fine Art and Jewellery
Working on the land brings many rewards – but just as many risks. As a farm owner, you’re vulnerable to bushfires that can destroy livestock or damage your buildings and other property; machinery breakdown which can cost you time and money; personal illness or a serious accident; or even a claim from a guest injured on your property. Farm insurance can be tailored to cover your home and farm buildings, livestock, vehicles, equipment and more. It can also safeguard you against theft and loss of income.
For example, typical farm insurance can cover:
Home property
Farm property
Public and products liability
Accident and sickness cover
Livestock
Machinery breakdown
Workers compensation
Sage understands the intricate risks involved in financial lines. Whether you’re managing corporate finances, investments, or professional liabilities, our team can help you navigate the complexities of financial lines insurance, ensuring your assets and operations are comprehensively protected.
Our expertise includes:
Professional Indemnity
Office Package including Public Liability
Directors and Officers
Directors and Officers run-off
Management Liability
Crime
Electronic and Computer Crime
Employment Practices Liability
Statutory Liability
At Sage Insurance, we specialise in providing insurance coverage specifically designed to meet the unique needs of the hospitality sector. Our team of experienced professionals has in-depth knowledge of the industry, allowing us to offer customised solutions that address the distinct risks and challenges faced by cafés, restaurants, and other hospitality businesses.
Our expertise includes:
Property – Protecting physical assets, including buildings, equipment, and inventory.
Liability Insurance – Covering general liability, public & products liability, slips, and falls.
Business Interruption Insurance – Ensuring continuity of operations in the event of unforeseen disruptions, safeguarding your cash flow and financial stability.
Workers' Compensation – Providing coverage for employee injuries sustained on the job.
Goods in Cold Storage – Provides protection for perishable inventory, covering losses due to equipment failure, power outages, or contamination that lead to spoilage.
Machinery Breakdown – Essential for businesses relying on refrigeration, cooking equipment, or heating systems. This covers the cost of repairing or replacing critical equipment, reducing downtime and financial losses.
Contingent Business Interruption – Covers lost income if a key supplier or distributor experiences an event that disrupts their ability to deliver, affecting the hospitality business’s operations.
Management Liability including Employment Practices Liability (EPL) – Covers claims related to wrongful termination, discrimination, sexual harassment, and other employment-related issues, common in the high-turnover hospitality industry.
Event Cancellation – For hospitality businesses involved in hosting events, this covers financial losses due to cancellations or postponements caused by unforeseen circumstances such as extreme weather or supplier issues.
Valet and Parking Liability – Provides protection against claims for damage or theft involving vehicles under the care of the business, such as valet services.
Outdoor Seating and Footpath Liability – Protects businesses with outdoor seating from claims arising from accidents or injuries in areas adjacent to their premises, as required by local governments including councils.
Cyber Liability – Protects against data breaches, cyberattacks, and privacy violations, especially crucial for businesses handling customer payment information and online bookings.
These tailored coverages ensure that hospitality businesses are well-protected, allowing them to focus on delivering exceptional service to their customers
At Sage Insurance, our brokers specialise in understanding the complex liabilities faced by manufacturers across Australia. Recognising manufacturing as one of the top five industries in the country, we know that no two operations are the same.
That's why we tailor insurance solutions to address the specific exposures within this sector, whether you're a multinational company or just starting out. We take into consideration your risk appetite, exposures as well as your budget. We offer expert guidance to ensure businesses are adequately protected from product defects, machinery breakdowns, or liability arising from third-party claims. Our extensive experience across various manufacturing industries enables us to develop insurance programs that requirements while providing comprehensive coverage for potential risks unique to each operation, such as rising costs, supply chain disruptions, and environmental hazards.
Our specialist team is well-versed in manufacturing liability, working closely with clients to identify and mitigate the key exposures that could disrupt their business.
Insurance covers to consider as a manufacturer:
Public & Products liability
Errors & Omissions
Industrial special risks (ISR) or Business Package covering property damage
Business interruption
Directors & Officers (Management Liability)
machinery breakdown
Product Recall
marine transit and stock-throughput
cyber
environmental liability
Statutory Liability
Workers compensation / Personal Accident
At Sage Insurance, we're committed to providing tailored solutions that offer peace of mind, allowing manufacturers to focus on growth and innovation while we handle the complexities of their risk management.
Sage recognises the challenges that individuals encounter with private insurance. Whether you aim to safeguard and collate your home, vehicle, or personal belongings, our team is dedicated to guiding you through the intricacies of insurance policies, ensuring you secure the appropriate coverage tailored to your needs.
Our expertise includes:
Home and contents
Caravan & trailer
Cyber liability
Travel
Pleasure crafts
Personal accident and illness
Motor vehicle, individual and fleets
At Sage Insurance, we specialise in providing comprehensive insurance coverage designed specifically for property owners. Our team of experienced professionals possess in-depth knowledge of property management, enabling us to offer customised insurance solutions that address the unique risks and challenges faced by residential and commercial property owners. Whether you own a single property or a large portfolio, we are committed to protecting your investments with the right coverage.
Our expertise and coverage includes:
Strata/residential and commercial
Property damage
Landlord & lot owner contents
Business interruption - Loss of rental income & rent default
Public liability
Theft
Glass
Mechanical and electrical breakdown
Claims Handling
Sage specialises in providing tailored solutions with expert guidance for the transport industry. In this sector, insurances fall into three broad categories – those that protect your commercial and business risks, your people and safety. Whether you operate a large national fleet or are an owner-driver, and whether you store goods or only transport them, you should have a range of insurance covers to protect your workers, safety and commercial risks. Our team can help you navigate the complexities of transport insurance, ensuring your assets and cargo are well-protected against unforeseen events.
Commercial motor, trucks and heavy & light fleet
Warehousing & 3rd party logistic (3PL)
Management liability
Goods in transit/Marine Cargo
Tools of Trade/ general property insurance for mobile equipment/tools
Cyber
Business interruption
Property including Depots
Workers’ compensation
Public liability
Standalone Statutory Liability
Company Corporate Travel
Company Personal & Accident and sickness
