The Funeral Directors Business policy has been tailored to meet the specific needs of Funeral Directors and includes a variety of extra covers and benefits only available through fiib.

Property Section

Standard “no cost” automatic policy benefits :-

• Accidental Damage cover to full sum insured up to $250,000.
• Landscaping  -  $25,000 in addition to the sum insured.
• Removal of Debris  -  $100,000 in addition to the sum insured.
• Temporary removal cover for Contents including graveside equipment,
  audio equipment, lifters, shade structures etc.  -  limit  $ 20,000
  (excluding laptop computers, digital cameras & portable
   electronic equipment)
• Flood automatically covered for  $ 50,000 provided the property has not been flooded in the past 20 years.

Business Interruption Section

• Additional Expenditure       $100,000  (automatically included)
• Accounts Receivable          $50,000  (automatically included)
• Claims Preparation Costs   $50,000  (automatically included)

Burglary Section

• Burglary automatically covered for  $25,000 (or $100,000 where  
  the   premises are protected by a monitored back to base alarm).
• Contents definition includes personal effects of customers &/or 
  deceased persons.

Glass Section

• Includes decorative / stained glass
• Signwriting  /  Alarm tapes

Money Section

• In transit / on premises during business hours $ 10,000
• In a locked safe or strongroom                      $ 10,000
• In personal custody of insured or authorised employee $3,000
• On premises after hours not in a locked safe  $1,000

Public & Products Liability Section

• Choice of limit of indemnity - $10,000,000 / $20,000,000
• Property in Physical & Legal Control - $100,000

General Property Section

• Accidental Damage cover for nominated items
• Cover anywhere in Australia including whilst in transit
• Portable electronic equipment(laptops, digital cameras etc)

Machinery / Electronic Breakdown Section

• Automatically covers all electric motors up to 5hp (3.5kw)
  as well as all electronic equipment (computers, photocopiers
  printers, phone systems etc)
• Restoration of data media
• Additional Increased Cost of Working