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.