Property

Protect against property damage
with Miramar

Miramar provides comprehensive property damage cover and consequential loss cover for small to medium-sized organisations.  We offer standalone products to fill a specific need – plus bundled products for maximum protection with competitive market rates.

Select one of our property covers below to find out more:

About the cover

Miramar’s Industrial Special Risks Insurance (ISR) insurance provides property damage cover and consequential loss cover for small to medium organisations.

Insurer

Miramar ISR is underwritten by Certain Underwriters at Lloyd’s who currently have an A.M. Best rating of A (Excellent).*

COVER LIMIT

Cover is suitable for risks $5 million and over and is able to co-insure with other insurers.

Suitability

Miramar ISR is designed to suit the needs of small to medium-sized businesses, and can be tailored to suit their specific cover needs.

* Please note that ratings can vary from time to time. You can check Lloyd’s current rating at the following website: www.ambest.com

Who we help

Here’s a snapshot of the kinds of occupations and business types we cater to:

  • General engineering
  • Motels
  • Large retail chains
  • Licensed clubs
  • Printers and publishers
  • Property owners
  • Shopping centres
  • Plastics manufacturers
  • Textile processing
  • High and low-hazard warehousing
  • Supermarkets
  • Risks containing EPS
  • Agricultural/irrigation product suppliers
  • Tile importers/retailers
  • Hardware retailers/wholesalers

Not on the list? Get in touch to see if we can help your clients.

Choose your wording

Cover is based on the Mark IV Wording and amended by Steadfast agreed endorsements. Other non-Steadfast endorsements can be considered by request.

Miramar Industrial Special Risks Insurance Policy (Mark IV)

Comprehensive cover available to Steadfast and non-Steadfast brokers and their clients.

Policy wording

Proposal form

Miramar Steadfast Industrial Special Risks Insurance Policy Mark IV

An exclusive property ISR wording available to Steadfast brokers’ clients.

Policy wording

Proposal form

Miramar SCTP Industrial Special Risks Insurance Policy Wording

Enhanced cover available exclusively through the Steadfast Client Trading Platform (SCTP).

Policy wording

Proposal form

About the cover

Miramar Asset Protection (MAP) product offers the flexibility of a package cover based on an ISR format. MAP is comprised of four key sections – material damage, business interruption, liability and management liability.

Insurer

Miramar Asset Protection (MAP) is underwritten by Certain Underwriters at Lloyd’s who– currently have an A.M. Best rating of A (Excellent).*

Features

  • General property section
  • Full accidental damage up to the policy limit
  • Temporary removal (excluding stock/equipment)
  • Management liability up to $2 million
  • LAOL basis – not sum insured

Suitability

MAP is designed to suit the needs of small to medium-sized businesses, and can be tailored to suit specific organisational cover needs.

* Please note that ratings can vary from time to time. You can check Lloyd’s current rating at the following website: www.ambest.com

Who we help

Here’s a snapshot of the kinds of occupations and business types we cater to:

  • Light and heavy engineering
  • Motels
  • Large retail chains
  • Restaurants / cafés
  • Clothing manufacturers / importers
  • Licensed clubs
  • Printers & publishers
  • Property owners
  • Plastics manufacturers (injection / extrusion)
  • Textile processing
  • High and low-hazard warehousing
  • Supermarkets
  • Scheme business
  • EPS built risks
  • Agricultural/irrigation product suppliers
  • Tile importers/retailers
  • Hardware retailers/wholesalers

Not on the list? Get in touch to ask if we can help your clients.

Choose your wording

Miramar Asset Protection (MAP) Policy Wording

Exclusive policy wording available to Steadfast brokers.

Policy wording

Proposal form

Miramar Black Policy Wording

Comprehensive cover available to non-Steadfast brokers.

Policy wording

Proposal form

About the cover

A flexible business insurance product covering the major risks that businesses commonly face, tailored to suit your clients specific risk exposure, all managed within the one policy.

Insurer

Miramar business insurance is underwritten by Certain Underwriters at Lloyd’s who– currently have an A.M. Best rating of A (Excellent).*

Features

Wide ranging coverage managed under the one policy. Choose cover options to suit your client’s business needs.

Suitability

Miramar offers business insurance to meet the needs of small to medium-sized businesses, and can be tailored to suit their specific cover needs.

* Please note that ratings can vary from time to time. You can check Lloyd’s current rating at the following website: www.ambest.com

Who we help

There’s an extensive range of occupations covered by Miramar business insurance. Search our risk appetite guide below to get to know the likelihood of acceptance or referral.

 

Search the comprehensive list of occupations

= Good to go = Referred for further assessment = Not one for us
Accommodation

OCCUPATION

RATING

Or click here to view full list

GOOD TO GOREFERRED FOR FURTHER ASSESSMENTNOT ONE FOR US
Accommodation Ambulance Services Aerial Agricultural Services
Accommodation for the Aged Automotive Electrical and Instrument Manufacturing Aircraft Manufacturing
Accounting Services Automotive Component Manufacturing n.e.c. Alumina Production
Advertising Services Automotive Electrical Services Aluminium Rolling, Drawing, Extruding
Agricultural Machinery Manufacturing Bakery / Bakeries - Commercial Manufacturing Aluminium Smelting
Air Conditioning and Heating Services Basic Iron and Steel Manufacturing Apple and Pear Growing
Antique and Used Good Retailing Basic Non-Ferrous Metal Manufacturing n.e.c. Aquaculture
Architectural Aluminium Product Manufacturing Bricklaying Services Automotive Fuel Retailing
Architectural Services Building Supplies Wholesaling n.e.c Automotive Repair and Services n.e.c.
Banks Cake and Pastry Manufacturing Bacon, Ham and Smallgood Manufacturing
Book and Other Publishing Clothing Manufacturing n.e.c Battery Manufacturing
Bread and Cake Retailing Commercial Property Operators and Developers Bauxite Mining
Building Societies Concreting Services Beef Cattle Farming
Business Administrative Services Contract Packing Services n.e.c. Beer and Malt Manufacturing
Business and Professional Associations Customs Agency Services Biscuit Manufacturing
Business Machine Wholesaling n.e.c. Fabricated Metal Product Manufacturing n.e.c. Black Coal Mining
Business Management Services Farm and Construction Machinery Wholesaling Boatbuilding
Business Services n.e.c Fire Brigade Services Book and Magazine Wholesaling
Cafes and Restaurants Food Processing Machinery Manufacturing Car Retailing
Cardigan and Pullover Manufacturing Fruit and Vegetable Processing Car Wholesaling
Central Bank Furniture Wholesaling Carpentry / Woodworking Service / Wooden Flooring Installation / Joiner / Joinery Work
Central Government Administration Garden Equipment Retailing Casinos
Ceramic Product Manufacturing General Practice Medical Services Cement and Lime Manufacturing
Ceramic Product Manufacturing n.e.c. Glass and Glass Product Manufacturing Cereal Food and Baking Mix Manufacturing
Ceramic Tile and Pipe Manufacturing Grocery Wholesaling n.e.c. Cereal Grain Wholesaling
Child Care Services Hairdressing and Beauty Salons Chemical Product Manufacturing n.e.c.
Chiropractic Services1 Hospitals (Except Psychiatric Hospitals) Chemical Wholesaling
Clay Brick Manufacturing Household Appliance Manufacturing Cleaning Services
Clothing Retailing Household Appliance Wholesaling Coastal Water Transport
Clothing Wholesaling Household Good Wholesaling n.e.c. Combined Primary and Secondary Education
Commercial Art and Display Services Industrial Machinery and Equipment Manufacturing n.e.c. Commercial Vehicle Wholesaling
Commercial Space Heating and Cooling Equipment Manufacturing Knitting Mill Product Manufacturing n.e.c. Concrete Product Manufacturing n.e.c.
Community Health Centres Leather and Leather Substitute Product Manufacturing Concrete Slurry Manufacturing
Computer and Business Machine Manufacturing Lifting and Material Handling Equipment Manufacturing Confectionery Manufacturing
Computer Consultancy Services Machine Tool and Part Manufacturing Construction Material Mining n.e.c.
Computer Maintenance Services Marine Equipment Retailing Construction Services n.e.c.
Computer Wholesaling Machinery and Equipment Wholesaling n.e.c. Contract Staff Services
Concrete Pipe and Box Culvert Manufacturing Metal Coating and Finishing Copper Ore Mining
Confectionery and Soft Drink Wholesaling Metal and Mineral Wholesaling Copper, Silver, Lead and Zinc Smelting, Refining
Consulting Engineering Services Mining and Construction Machinery Manufacturing Corrective Centres
Courier Services Motion Picture Exhibition Corrugated Paperboard Container Manufacturing
Creative Arts Motor Vehicle New Part Dealing Cosmetic and Toiletry Preparation Manufacturing
Credit Unions Museums Cotton Ginning
Dairy Produce Wholesaling Non-Metallic Mineral Product Manufacturing n.e.c. Cotton Growing
Data Processing Services Nursing Homes Cotton Textile Manufacturing
Dental Services Non-Scheduled Air and Space Transport Crop and Plant Growing n.e.c
Department Stores Nursing Homes Cut Flower and Flower Seed Growing
Deposit Taking Financiers n.e.c. Other Education Dairy Cattle Farming
Domestic Appliance Retailing Other Recreation Services Dairy Product Manufacturing n.e.c
Domestic Hardware and Houseware Retailing Other Transport Equipment Leasing Deer Farming
Electric Cable and Wire Manufacturing Personal and Household Goods Hiring n.e.c. Defence
Electric Light and Sign Manufacturing Performing Arts Venues Electricity Supply
Electrical and Electronic Equipment Wholesaling n.e.c. Personal Services n.e.c. Explosive Manufacturing
Electrical and Equipment Manufacturing n.e.c. Pharmaceutical and Toiletry Wholesaling Fabricated Wood Manufacturing
Electrical Services Plant Hiring or Leasing Fertiliser Manufacturing
Electronic Equipment Manufacturing n.e.c. Plastic Product, Rigid Fibre Reinforced, Manufacturing Finfish Trawling
Employment Placement Services Plastic Extruded Product Manufacturing Fish Wholesaling
Fabric and Other Soft Good Retailing Primary Education Floor Covering Wholesaling
Film and Video Distribution Professional Equipment Wholesaling Flour Mill Product Manufacturing
Film and Video Production Residential Property Operators Food Manufacturing n.e.c.
Financial Asset Broking Services Retailing n.e.c. Footwear Manufacturing
Financial Asset Investors Road Freight Transport Forestry
Fire and Security System Services Roofing Services Freight Forwarding (Except Road)
Floor Covering Retailing Scientific Research Fruit Growing n.e.c.
Flower Retailing Secondary Education Funeral Directors, Crematoria and Cemeteries
Footwear Retailing Services to Printing Furniture Manufacturing n.e.c.
Footwear Wholesaling Services to the Arts n.e.c. Gambling Services n.e.c.
Foreign Government Representation Sheet Metal Furniture Manufacturing Gas Supply
Fresh Meat, Fish and Poultry Retailing Specialised Food Retailing n.e.c. Gold Ore Mining
Fruit and Vegetable Retailing Scheduled Domestic Air Transport Grain / Crop Growing (eg wheat, barley, oats, etc)
Fruit and Vegetable Wholesaling Scheduled International Air Transport Grain Storage
Furniture Retailing Services to Air Transport Grain-Sheep and Grain-Beef Cattle Farming
Gardening Services Services to Road Transport n.e.c. Grape Growing
General Insurance Services to Water Transport n.e.c. Gravel and Sand Quarrying
Glazing Services Site Preparation Services Horse and Dog Racing
Hand Tool and General Hardware Manufacturing Sports and Services to Sports n.e.c. Horse Farming
Health Insurance Sport and Camping Equipment Retailing House Construction
Health Services n.e.c. Sports Grounds and Facilities n.e.c. Hunting and Trapping
Higher Education Surveying Services Ice Cream Manufacturing
Hosiery Manufacturing Technical Services n.e.c. Industrial Gas Manufacturing
Household Equipment Repair Services (Electrical) Television Services Information Storage and Retrieval Services
Household Equipment Repair Services n.e.c. Toy and Sporting Good Manufacturing Ink Manufacturing
Interest Groups n.e.c. Toy and Sporting Good Wholesaling Inland Water Transport
Iron and Steel Casting and Forging Transport Equipment Manufacturing n.e.c. Inorganic Industrial Chemical Manufacturing n.e.c.
Jewellery and Silverware Manufacturing Trailer and Caravan Dealing International Sea Transport
Jewellery and Watch Wholesaling Veterinary Services Iron Ore Mining
Justice Kiwi Fruit Growing
Labour Associations Laundries and Dry-Cleaners
Landscaping Services Leather Tanning and Fur Dressing
Legal Services Line Fishing
Libraries Livestock Farming n.e.c.
Life Insurance Log Sawmilling
Liquor Retailing Logging
Liquor Wholesaling Made-Up Textile Product Manufacturing
Local Government Administration Manufacturing n.e.c.
Long Distance Bus Transport Marine Fishing n.e.c.
Lotteries Mattress Manufacturing (Except Rubber)
Market Research Services Mechanics
Medical and Surgical Equipment Manufacturing Mechanics
Men's and Boys' Wear Manufacturing Medicinal and Pharmaceutical Product Manufacturing
Metal Container Manufacturing Metal Ore Mining n.e.c
Money Market Dealers Milk and Cream Processing
Music and Theatre Productions Mineral Exploration (Own Account)
Newspaper Printing or Publishing Mineral Sand Mining
Newspaper, Book and Stationery Retailing Mining Exploration Services
Non-Ferrous Metal Casting Mining n.e.c.
Non-Ferrous Pipe Fitting Manufacturing Motor Cycle Dealing
Non-Financial Asset Investors Motor Vehicle Body Manufacturing
Nut, Bolt, Screw and Rivet Manufacturing Motor Vehicle Dismantling and Used Part Dealing
Optometry and Optical Dispensing Motor Vehicle Hiring
Other Financiers Motor Vehicle Manufacturing
Other Periodical Publishing Nickel Ore Mining
Painting and Decorating Services Non-Building Construction n.e.c.
Parking Services Non-Ferrous Metal Rolling, Drawing, Extruding n.e.c.
Pathology Services Non-Residential Building Construction
Pharmaceutical, Cosmetic and Toiletry Retailing Non-Residential Care Services n.e.c.
Photographic and Optical Good Manufacturing Oil and Fat Manufacturing
Photographic Equipment Retailing Oil and Gas Extraction
Photographic Equipment Wholesaling Organic Industrial Chemical Manufacturing n.e.c.
Photographic Film Processing Other Mining Services
Photographic Studios Paint Manufacturing
Physiotherapy Services Paper Bag and Sack Manufacturing
Plaster Product Manufacturing Paper Product Manufacturing n.e.c.
Plastering and Ceiling Services Paper Product Wholesaling
Plastic Bag and Film Manufacturing Paper Stationery Manufacturing
Plastic Injection Moulded Product Manufacturing Pest Control Services
Plumbing Services Pesticide Manufacturing
Postal Services Petroleum and Coal Product Manufacturing n.e.c.
Poultry and Smallgood Wholesaling Petroleum Exploration (Own Account)
Prefabricated Metal Building Manufacturing Petroleum Exploration Services
Preschool Education Petroleum Product Wholesaling
Printing Petroleum Refining
Professional and Scientific Equipment Manufacturing n.e.c. Pig Farming
Pump and Compressor Manufacturing Pipeline Transport
Radio Services Plant Nurseries
Real Estate Agents Plastic Foam Product Manufacturing
Recorded Media Manufacturing and Publishing Plywood and Veneer Manufacturing
Recorded Music Retailing Police Services
Secretarial Services Port Operators
Security and Investigative Services (Except Police) Poultry Farming (Eggs)
Services to Finance and Investment n.e.c. Poultry Farming (Meat)
Services to Insurance Poultry Processing
Sheet Metal Product Manufacturing n.e.c. Prawn Fishing
Short Distance Bus Transport (Including Tramway) Prefabricated Building Manufacturing n.e.c.
Sleepwear, Underwear and Infant Clothing Manufacturing Prepared Animal and Bird Feed Manufacturing
Sound Recording Studios Private Households Employing Staff
Specialist Medical Services Pubs, Taverns and Bars
Spring and Wire Product Manufacturing Pulp, Paper and Paperboard Manufacturing
State Government Administration Rail Transport
Steel Pipe and Tube Manufacturing Railway Equipment Manufacturing
Structural Metal Product Manufacturing n.e.c. Recreational Parks and Gardens
Superannuation Funds Recycling
Supermarket and Grocery Stores Religious Organisations
Takeaway Food Retailing Residential Building Construction n.e.c.
Taxi and Other Road Passenger Transport Residential Care Services n.e.c.
Technical and Further Education Road and Bridge Construction
Telecommunication, Broadcasting and Transceiving Equipment Manufacturing Rock Lobster Fishing
Textile Product Wholesaling Rope, Cordage and Twine Manufacturing
Tiling and Carpeting Services Rubber Product Manufacturing n.e.c
Toy and Game Retailing Rubber Tyre Manufacturing
Travel Agency Services Scrap metal
Video Hire Outlets Seafood Processing
Watch and Jewellery Retailing Services to Agriculture n.e.c.
Women's and Girls' Wear Manufacturing Services to Forestry
Clubs (Hospitality) RSL Services to Transport n.e.c.
Sewerage and Drainage Services
Shearing Services
Sheep Farming
Sheep-Beef Cattle Farming
Shipbuilding
Silver-Lead-Zinc Ore Mining
Smash Repairing
Soap and Other Detergent Manufacturing
Soft Drink, Cordial and Syrup Manufacturing
Solid Paperboard Container Manufacturing
Special School Education
Spirit Manufacturing
Squid Jigging
Stevedoring
Stone Fruit Growing
Storage n.e.c.
Structural Steel Fabricating
Sugar Cane Growing
Sugar Manufacturing
Synthetic Fibre Textile Manufacturing
Synthetic Resin Manufacturing
Textile Finishing
Textile Floor Covering Manufacturing
Textile Product Manufacturing n.e.c.
Timber Resawing and Dressing
Timber Wholesaling
Tobacco Product Manufacturing
Tobacco Product Wholesaling
Transport n.e.c.
Tyre Retailing
Vegetable Growing
Waste Disposal Services
Water Supply
Water Transport Terminals
Wholesaling n.e.c.
Wine Manufacturing
Wood Chipping
Wood Product Manufacturing n.e.c
Wooden Furniture and Upholstered Seat Manufacturing
Wool Scouring
Wool Textile Manufacturing
Wool Wholesaling
Zoological and Botanic Gardens

Not on the list? Get in touch to see if we can help your clients.

Choose your wording

Miramar Lloyd’s Commercial Combined Policy

Comprehensive cover available to Steadfast and non-Steadfast brokers and their clients.

Policy wording

Proposal form

Miramar Steadfast Business Pack Policy Wording

Exclusive policy wording available to Steadfast brokers.

Policy wording

Proposal form

Miramar SCTP Business Insurance Policy Wording

Enhanced policy wording available exclusively through the Steadfast Client Trading Platform (SCTP).

Policy wording

Proposal form

If you have any questions, or to get a quote, contact us on
02 9307 6600
property@miramaruw.com.au