# Risk Checklist and Review

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Use this checklist to think through the risks your business or household faces, then talk to Shielded about the cover that fits.

## Business Insurance

- **Liability**: Protection against claims resulting from injuries and damage to people or property.
- **Business Property**: Protection for your business property against risks like fire, theft, and natural disasters.
- **Equipment & Machinery**: Coverage for equipment and machinery used in daily operations.
- **Professional Indemnity**: Protection against legal claims alleging errors in the professional services provided.
- **Cyber Insurance**: Protection against cyber threats which are becoming more common in today's digital age.
- **Personal Accident & Illness**: Coverage for your weekly income after injuries or illnesses.
- **Corporate Travel**: Coverage for risks associated with business travel.
- **Construction**: Protection against risks associated with construction projects.
- **Transport & Cargo**: Coverage for goods in transit and the vehicles that transport them.
- **Business Interruption**: Protection against lost income after a disaster.
- **Workers’ Compensation**: Coverage for employers against injuries or illnesses faced by employees at work.
- **Farm and Crop**: Coverage specifically designed for rural properties right through to income producing crops.
- **Management Liability**: Coverage includes Directors and Officers Cover, Statutory Liability and Employment Practices Liability.
- **Keyman Insurance**: Protection for businesses against the loss of a key employee.

## Personal Insurance

- **Home & Contents**: Coverage for your home and its contents against risks like fire, theft, and natural disasters.
- **Car**: Protection against damages to your vehicle and liability from accidents.
- **Caravan & Trailer**: Coverage for your caravan or trailer while on the road.
- **Watercraft**: Insurance for boats, yachts, and other water vehicles.
- **Travel**: Protection against unforeseen events during travel, including medical emergencies.
- **Landlords**: Coverage for property owners against damages to their rental properties and potential legal liabilities.
- **Personal Valuables**: Insurance for personal items like jewelry, artworks, and other valuables.

## Life Insurance

- **Life Cover**: Financial support to your loved ones in the event of your passing.
- **Trauma Cover**: Lump sum payment if you're diagnosed with a serious illness.
- **Total & Permanent Disability (TPD)**: Coverage if you become permanently disabled and can't work.
- **Income Protection**: Provides a portion of your income if you can't work due to illness or injury.
- **Trauma Cover**: Coverage for major health conditions, providing a lump sum payment.

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Shielded Insurance Brokers · Call [1800 97 98 99](tel:1800979899) · [info@shieldedinsurance.com.au](mailto:info@shieldedinsurance.com.au) · [Guide for agents](https://www.shieldedinsurance.com.au/llms.txt) · [All pages](https://www.shieldedinsurance.com.au/site-map.php)

Any advice is general advice only. Please consider your needs, financial situation and the Combined FSG/PDS available from us before deciding to buy insurance. Shielded Pty Ltd t/as Shielded Insurance Brokers | CAR 1247722 | ABN 92 612 044 630. Corporate Authorised Representatives of Community Broker Network Pty Ltd | AFSL 233750 | ABN 60 096 916 184.