tHE bARN Business Package

Solutions for complex property risks and exposures.

OUR FOCUS

THE BARN business package focuses on complex risks THAT REQUIRE AN INDIVIDUAL UNDERWRITING APPROACH.

Our Specialty Commercial Business Package product combines Property, Public & Products Liability, offering a broad risk appetite that focuses on medium to higher hazard industries. We also provide a Winery Business Package designed for small to medium-sized wineries and cellar doors.

SPECIALTY COMMERCIAL BUSINESS PACKAGE

FACILITY SUMMARY

  • COMBINED PROPERTY AND GENERAL LIABILITY

    • PROPERTY - CAPACITY UP TO $5,000,000 (single location only)

    • LIABILITY - UP TO $20,000,000 LIMITS AVAILABLE

  • SPECIALTY COMMERCIAL BUSINESS PACKAGE POLICY WORDING

  • 100% UNDERWRITTEN AT LLOYD'S

  • IN-HOUSE & LOCAL CLAIMS MANAGEMENT

RISK APPETITE

Some examples of our risk appetite includes:

HIGHER HAZARD

Bakeries - Chemicals manufacture & storage - Cold storage facilities - Fibreglass manufacturers - Food Manufacturing & processing - High load & hazardous storage - Meat, seafood & smallgoods wholesalers - Multi-tenancy (high-haz) - Ski lodges, Backpackers & Resorts.

MEDIUM HAZARD

Adhesives & sealants - Boutique accommodation - Commercial Printers - Commercial property owners - Cosmetics manufacturers - Hardware shops & supplies - Nurseries - Warehousing and storage.

Occupations that are not within scope include:

Aircraft manufacture, automotive wreckers, automotive holding yards, brothels, caravan parks, clubs, explosives, pubs and nightclubs, recycling works (domestic and industrial waste), remote timber storage, tattoo parlours, tyre yards, domestic and industrial waste disposal. 

WINERY BUSINESS PACKAGE

FACILITY SUMMARY

  • DEDICATED WINERY PACKAGE POLICY WORDING

  • 100% UNDERWRITTEN AT LLOYD’S

  • IN-HOUSE & LOCAL CLAIMS MANAGEMENT

COMPREHENSIVE COVERAGE:

  • Multi-Location Coverage – Protection extends across multiple locations, including storage, manufacturing, and sales sites.

  • Temporary Removal of Stock – Automatically includes $50,000 cover for wine whilst off-premises.

  • Accidental Damage$250,000 sublimit included to safeguard against unforeseen incidents.

  • Business Interruption Extension – Spoilage, leakage, and contamination coverage able to be extended to Section 2 losses for enhanced protection.

  • Optional Endorsement for Vines and Trellising Cover.