Commercial Comprehensive

Smart business owners know that some risks are worth taking – and some aren’t. This package policy is designed to provide you with a safety net from all of life’s unexpected moments, big and small, which can impact all areas of business operation. It ensures that you’re always one step ahead by offering the following covers in one convenient bundle.

Fire and Special Perils

This policy protects your operations and its assets from damage and destruction due to fire, including bushfire, subterranean fire and spontaneous combustion, hurricane, windstorm, cyclone, tornado, earthquake, volcanic eruption and flood.

Consequential Loss

Keep your bottom line growing. With this policy, loss of profit is protected if your business is interrupted in the event of an insured peril.


We all hope for the best but know that it is best to be prepared for the worst. Your burglary insurance policy will provide coverage against losses incurred as a result of theft by forcible and violent entry.

Employer’s Liability

An accident can happen when you least expect it, and when it happens on the job you may be held responsible for your employee’s injuries. Our Employer’s Liability policy will provide you with protection against claims for injuries to an employee for which you are liable.

Public Liability

Don’t let your business get caught off guard. Protect it from claims and lawsuits arising from accidents occurring out of the activities of your business by taking out our Public Liability Policy.


Need to send your deposits to the bank? Need to collect the cash for payroll? A cash bag might not be enough security. Don’t leave your cash exposed. A Loss of Money policy covers your cash during transit to and from the bank as well as on your premises, during business hours and outside of business hours.


A broken window can leave your business exposed to the elements. ICWI will help to keep you safe and dry by replacing any broken glass in your building.

Fidelity Guarantee

Add one more level of security to your checks and balances. Your Fidelity Guarantee Policy protects against employee theft, whether from you or one of your customers.

Goods in Transit

You can’t always make the journey with your precious goods. ICWI provides coverage against damage to goods during transit as a result of fire, theft or accidental means.