用于承保建筑内的物品和库存。本部分用以防止因意外发生的火灾，风暴，水灾，地震，恶意损害等危险而损坏商店的装潢，设备，装饰品，任何物业相关的工作或资产以及存货。

对于本部分保险而言，确定“全部”资产的“总”保险额（sums insured）也很关键，这将对理赔的方式产生重大影响。请向保险经纪咨询有关保险金额的具体信息。

This section of a business package insurance policy provides insurance cover for damage to shop fittings, equipment, decorations, work, assets, and stocks from perils such as fire, storm, water damage, earthquake, and malicious damage that happens unexpectedly.

It is important to determine the correct total sum insured for all of the assets as this has a significant impact on how a claim is paid. Our experienced brokers can help you to determine this.

提供因盗窃事件造成的资产或库存损失的保障。

This section provides cover for loss of assets or stocks from a theft incident.

该险种旨在对因为盗窃而损失的现金提供保障，包括在营业场所内，营业点与银行之间的运输途中，或由授权人员保管时等几种状况。

This section protects against loss of cash due to theft, either while the cash is in the premises, in transit between business and bank, or in an authorised person’s custody.

用于承保玻璃器皿的意外损坏。尽管建筑物上的玻璃通常属于房东，但常见租赁协议已将确保玻璃完好的责任转移给租户（生意经营者）。

This section covers accidental breakage of glassware. Although glass in the building usually belongs to the landlord, common lease agreement transfers the responsibility of insuring glass to the tenant (business operator).

承保支付维修或更换故障机器或设备所需的费用。但是，保险公司确实希望运营者对设备提供适当的维护，并且机械或设备不会太旧或由于老化原因出现问题。

This section covers the expenses required to repair or replace broken-down machinery or equipment. However, insurance companies do expect proper maintenance of machinery and equipment and may not insure machinery or equipment that is too old or worn out.

承保在营业场所外使用的设备或工具。例如，许多生意会有员工使用Table或iPad来帮助坐在户外的顾客点餐。

This section covers business equipment, such as tablets or iPads, that may be used outside the restaurant or cafe.

承保因运营者的疏忽对公众造成的人身伤害或物品损害。通常该险种发生索赔是由于顾客食物中毒，或者在营业场所跌倒而受到伤害。

This covers damage or injury caused by negligence on the part of the business owner. Common insurance claims in this section are injuries due to food poisoning, and accidents like tripping and falling in the restaurant or cafe.

餐饮业常用的险种，用于补偿生意所有者的毛利润损失，以便企业可以支付诸如固定员工的工资或者营业场所租金之类的费用。如果毛利润足够，它可以用于补偿生意所有者的净利润，这也取决于是否购买了足够的保险金额。

需要注意的是，只有在物业（Property）险种包含的部分出现损失并导致业务中断时，才可以获得业务中断险的赔偿。

This section of policy compensates business owners for the gross profit loss, so that they can pay for rent or wages of permanent employees. If gross profit is adequate, it will compensate the business owner’s net profit. This depends on the sum insured being adequate.

This section can only compensate if there is a loss in the property section resulting in the interruption of business.

承保因业务管理的疏忽而采取法律行动所造成的损失。此险种的常见索赔是由于雇佣关系和法定责任出现问题。

This covers loss from legal action taken against the business management’s negligence. A common claim for this insurance section is employment and statutory liability.

每个拥有网站或电子记录设备的企业都容易受到网络攻击或意外数据泄露的影响，而网络事件的后果可能会非常昂贵。网络保险可以帮助弥补因网络安全漏洞而给企业，客户和其他方面带来的财务损失。

Every business with a website or electronic records is vulnerable to cyber-attacks or an accidental data breach – and the consequences of a cyber-incident can be very costly. Cyber insurance can help cover financial losses to your business, your customers and other parties following a cybersecurity breach.

Not sure which type of insurance policy you need? Please contact us：

联系人：Colin Jong

手机Mobile：（+61）468-377-473

电子邮件Email：colin.jong@naswg.com.au

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Collins Insurance Services