Property

Protect against property damage
with Miramar

Miramar provides comprehensive property damage cover along with business interruption cover for small to medium-sized organisations*. We offer standalone products to fill a specific need – plus bundled products for greater protection with competitive market rates.

*Review product wording for cover, limitations and exclusions.

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

About the cover

Miramar’s Industrial Special Risks Insurance (ISR) provides property damage cover and business interruption cover for small to medium-sized organisations*.

*Review product wording for cover, limitations and exclusions.

Insurer

Miramar ISR is underwritten by certain underwriters at Lloyd’s (Lloyd’s). Lloyd’s is the world’s specialist insurance and reinsurance market. With expertise earned over centuries, Lloyd’s is the foundation of the insurance industry and the future of it. Led by expert underwriters and brokers who cover more than 200 territories, the Lloyd’s market develops the essential, complex and critical insurance needed to underwrite human progress. Backed by diverse global capital and excellent financial ratings, Lloyd’s works with a global network to grow the insured world – building resilience for businesses and local communities and strengthening economic growth around the world.

COVER LIMITS

Cover is suitable for property risks with insurable values of $5 million and over. Large property risks may be covered via co-insurance options with other insurers or underwriting agencies.

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 refer to the Miramar Risk Appetite for the occupations and business types for which we can provide insurance cover.

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

Choose your wording

Cover is based on the Industrial Special Risks Mark IV Insurance Policy Wording and amended by agreed endorsements. Other endorsements can be considered by request.

Miramar Industrial Special Risks Insurance Policy (Mark IV)

Comprehensive cover available to brokers for their clients.

Policy wording

ADDITIONAL ENDORSEMENTS

Proposal form

MIRAMAR SCTP ISR INSURANCE

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

Policy wording

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 with the General Products and Liability and Management Liability (if included) sections being underwritten under a coinsurance arrangement between certain underwriters at Lloyd’s and HDI Global Specialty SE – Australia.

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 refer to the Miramar Risk Appetite for the occupation and business types we assist.

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

Notice of change

Proposal form

Miramar Black Policy Wording

Comprehensive cover available to non-Steadfast brokers.

Policy wording

Notice of change

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 with the Public and Products Liability section being underwritten under a coinsurance arrangement between by certain underwriters at Lloyd’s and HDI Global Specialty SE – Australia.

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 refer to the Miramar Risk Appetite for the occupation and business types we assist.

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

Choose your wording

Miramar Business Insurance Policy Wording

 

Policy wording

Notice of change

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