Property Insurance

PSC McKenna Hampton provides a wide scope of insurance products including Commercial Property Owners' Insurance, Construction Insurance, Trades Package Insurance, Builders’ Warranty and Residential and Commercial Strata Insurance.

Commercial Property Owners' Insurance

PSC McKenna Hampton can help you ensure that your commercial property is properly protected with Commercial Property Owners Insurance with values of up to $200 million.

This all-in-one insurance policy offers comprehensive cover for commercial properties including material damage, machinery breakdown, OH&S legal costs and commercial liability. The policy can be tailored to suit your individual requirements, so you only pay for the cover you need, regardless of the size or type of your property.

Key features of Commercial Property Owners Insurance policy:

  • Loss of income cover, including tenant rent and other sources of income
  • Choice of liability insurance cover amount
  • Up to $100,000 for OHS legal costs
  • Up to $5,000 tax audit cover
  • Up to $25,000 for accountant fees
  • Up to $10,000 for theft in open air
  • Up to $50,000 for claims preparation costs
  • Up to $350,000 for extra cost of re-instatement
  • Cover for general theft (no sub limit) and money theft (up to $50,000)
  • Machinery and electronic equipment breakdown
  • Material or equipment damage to commercial property (no sub limit for accidental damage)
  • Optional cover for rent default
  • Glass damage repair
  • Additional benefit of $100,000 for removal of debris, if sum insured is exhausted

For more information see CGU Padlock Insurance Policy Summary PDF.

Construction Insurance for Commercial and Residential Properties

If you’re in the building and construction industry you’ll understand how critical it is to have the right insurance cover in place for small or large projects.

Construction Insurance protects building contractors, architects, owners, developers, engineers and any other business that work on construction projects.

These professionals are well aware of the risks they face. Major issues and challenges can arise at any time. Site security, safety, quality control, work delays, financial risk and sustainability are all factors that need to be considered and mitigated.

At PSC McKenna Hampton we work with specialized underwriting, risk engineering and claims professionals who know the construction industry inside and out. They’ll work together with you to create an insurance program customised to your project’s needs taking into consideration everything from traditional property and casualty coverage right through to to professional liability and operational risks.

Our Construction Insurance solutions include:

  • Material Damage: Contractor's protective professional indemnity (CPPI)
  • Public Liability
  • Workers Compensation
  • Construction service offerings: In house claims manager; Risk Engineering

Trades Package Insurance

PSC McKenna Hampton provides insurance packages custom designed for tradies and their specific needs and requirements. Insurance experts have developed our Trades Insurance offering so you can choose the right insurance package for your type of trade business. With flexibility to choose what you need, this is the easiest way to get insurance online.

Our Trades Insurance offering covers you for:

  • Liability Insurance: protect your business against liability claims resulting from accidents or injuries that occur as result of your business activities and accidental damage to property owned or controlled by someone else.
  • Tool Cover: if they get lost, stolen or damaged we’ll have them replaced so you can get back to work ASAP.
  • Portable Electronic Equipment Cover: protects your portable devices such as mobiles, tablets, and laptops if they are stolen, damaged or lost.
  • Commercial Motor Vehicle Insurance: to cover your work vehicle and trailer. Pick and choose what cover will suit you best and purchase online today.

Additional insurance protection to consider:

  • Workers compensation
  • Personal accident and injury
  • Business interruption

Builders' Warranty Insurance

Tradesmen and builders require the Home Warranty Insurance Certificate of Insurance to be issued in favour of the homeowner before a residential construction (up to three levels) or home renovations (of $12,000 and up) can commence.

Builders Warranty Insurance (sometimes also known as ‘Residential Warranty Insurance’ or ‘Home Warranty Insurance’) is a legislative requirement under Australian state and territory law in VIC, SA, NSW, ACT and WA for contracts over $12,000 (or $20,000 in WA).

If the builder dies, disappears or becomes insolvent, Warranty Insurance protects the homeowner from faulty workmanship or non-completion of a contract.

Residential &/or Commercial Strata Insurance

If you own a portion of a large apartment block, a townhouse, villa, duplex, converted warehouse or any commercial property, you’ll need to consider Commercial &/or Residential Strata Insurance as part of your coverage.

Commercial Strata Insurance is designed to protect the specific insurance needs of commercial strata title properties which may not always be catered for under a standard commercial property insurance policy.

PSC McKenna Hampton's policy can be tailored to suit your individual insurance requirements, regardless of the size or type of your property, so you only pay for the cover you need.

Commercial &/or Residential Strata Insurance covers loss or damage to the building itself and common property, such as walls, carpets, pathways and fences.

Commercial & Residential Strata Insurance provides cover for:

  • Buildings, including common contents and common property
  • Public Liability
  • Fidelity Guarantee (Cover against loss of property resulting from theft by committee members)
  • Office Bearers' Liability
  • Voluntary Workers Personal Accident
  • Workers Compensation
  • Machinery cover

Commercial Strata Insurance

Commercial Strata Insurance is designed to protect the specific insurance needs of commercial strata title properties which may not always catered for under a standard commercial property insurance policy.

McKenna Hampton's policy can be tailored to suit your individual insurance requirements, regardless of the size or type of your property, so you only pay for the cover you need.

Key features of Commercial Strata Insurance:

  • Property cover (buildings and common contents)
  • Public liability
  • Cover against loss of property resulting from theft by committee members
  • Office Bearers' Liability
  • Voluntary Workers Personal Accident
  • Machinery cover

Contact us for more information.

Need help with your Property Insurance?
Contact us today on 08 6142 0000 or email us at: info.perth@pscinsurance.com.au.

Please refer to our Financial Services Guide for information on our services and how PSC McKenna Hampton are remunerated.