Our Covers

It takes years to build a successful business, and only seconds to lose it. We can help protect your business from life's unexpected events. 

Our range of flexible insurance products were built specifically to address the insurance needs of the businesses we support including Shops, Cafes, Restaurants, Tradespersons and Professionals. 

We offer unique ways for your to manage your policy. These are clever features like the ability to pause cover when you're not working or connect to your online Cloud Accounting provider (e.g. MYOB or Quickbooks).

  • Property Loss, Damage & Destruction
  • Stock & Contents
  • Glass & Signage
  • Portable Electronic Devices
  • Fridge Breakdown
  • Theft of Stock & Contents
  • Theft of Money
  • Employee Dishonesty
  • Business Disruption
  • Legal Liability

What is 'dynamic protection'?

With a secure connection to your businesses cloud accounting software, you can be in complete control of your policy and cover.

Maintaining an optimal level of insurance at all times of the year means you can avoid paying for things something you don’t need or, even worse, being under insured at the time your need it.

Many businesses have stock or contents levels that fluctuate across the seasons - each month we can notify you of changes that may affect your cover (a new bit of equipment, higher than normal stock levels…) and give you the ability to change your level of cover.

Best of all, we aim to take the hassle out of it for you. Using information sourced from your connected software, we take the stress out of filling out tedious forms and have made it easy for you to take care of all the administration tasks such as issuing your certificates of insurance.

Property Loss, Damage & Destruction

For stock & contents, and building cover

  • Fire
  • Flood
  • Storm damage & impact
  • Landscaping
  • Professional & Government fees
  • Debris removal
  • Repair or rebuild

Protect your business premises and opt in for this benefit. You’ll be covered for fires, floods, storm damage and impact (to name just a few); Evari’s underwriters will repair or rebuild your damaged building, or pay you the cost of rebuilding or repairing.

It doesn’t stop there, the Evari difference includes additional cover for landscaping costs, professional and government fees, removal of debris, and extra costs associated with complying with the myriad of changes you would need to make to repair or rebuild your building.

Stock & Contents

  • Flexible, dynamic cover depending on stock levels
  • Damage (fire, water, storm etc.)
  • Loss
  • Cover for off-site stock

If your stock and/or contents is damaged or destroyed from fire, water damage, and storms (to name just a few) at your business premises, Evari’s underwriters will repair, replace or pay the value for your damaged or lost stock and contents.

Evari’s underwriters will repair or replace your contents with similar property. But it doesn’t stop there, Evari understands that the modern business isn’t always stationary, that's why the Evari provides you with dynamic insurance that updates your level of cover as your stock levels change, simply link Evari to your cloud accounting software and we’ll do the rest.

The Evari difference also includes additional protection for stock and contents that are not stored at your business premises, such as a storage facility, private residence, or a temporary location where your business may be trading.

Glass

  • Replace broken glass
  • Malicious Damage
  • Repair to frames, tiling & bars
  • Temporary shuttering costs
  • Sign writing costs

Where you opt in for this cover, following glass or sign breakage that is attached to the building you occupy, Evari’s underwriters will pay to replace broken glass - even following malicious damage. But it doesn’t stop there, the Evari difference includes repair costs to frames, tiling and bars.

Evari’s underwriters will pay for temporary shuttering costs following glass breakage, and once the glass is replaced Evari underwriter’s will also pay for sign writing costs; ensuring your most important asset, your shop window, is restored so you can continue trading and attracting customers.

Portable Electronic Devices

  • Smartphone, tablet or laptop
  • Repair, rebuild or replace
  • Restoration of data
  • Damage
  • Loss
  • Theft

We all have lots of devices that are essential to running our business, that is why we have updated this cover to protect the modern devices that we all rely on.

Where you opt in for this cover, your smartphones, tablets, or laptop business devices will be covered where they are lost, broken or stolen. Evari’s underwriting team will repair, rebuild or replace. It’s also good to know that the Evari difference will pay for the restoration of data, ensuring your business stays connected.

Fridge Breakdown

  • Breakdown / Damage
  • Repair, rebuild or replace
  • Deterioration/spoilage of stock
  • Broad definition of ‘fridge’

If you run a cafe or restaurant, making sure your fridges are operating is vital to your business. Make sure you’ve covered your walk in fridge to make sure you can keep on trading, even if it breaks down unexpectedly.

Where you opt in for this cover, you will be protected for fridge breakdown at your business premises where Evari’s underwriting team will either repair, rebuild or replace your fridge. The Evari difference offers a broad definition of ‘fridge’, this includes a merchandiser, undercounter, worktops, walk in, bar refrigeration, display cases, and reach-in refrigerator/freezer.

Best of all we will pay for deterioration and spoilage of stock if your fridge does break down.

Theft of Stock & Contents

  • Temporary security guards
  • Replace locks & keys
  • Cover for off-site stock
  • Replace or Pay the value of stolen stock
  • Repair costs following damage

Where you opt in for this cover, following a break-in, shoplifting, or hold-up at your business premises, Evari’s underwriters will replace or pay the value of what was stolen. But it doesn’t stop there, the Evari difference includes additional cover for temporary security guards, replacement of locks and keys, and repair costs following damage to the premises.

Best of all, Evari understands that the modern business isn’t always stationary, that's why the Evari includes additional cover for theft not at your business premises, such as a storage facility, private residence, or a temporary location where your business may be trading.

Theft of Money

  • Temporary security guards
  • Replace locks & keys
  • Cover for off-site stock
  • Replace or Pay the value of stolen stock
  • Repair costs following damage

Where you opt in for this cover, following a break-in, hold-up or snatch and grab from a cash register at your business premises, Evari’s underwriters will cover you for money stolen. Evari defines ‘money’ as cash, cheques, debit and credit card vouchers and authorised gift vouchers.

Our theft cover doesn’t stop there, the Evari difference means our underwriters will also pay to repair any damage to the building, or pay for temporary protection you might need at your business premises.

Employee Dishonesty

If one of your employees does something dishonest, such as stealing from your cash register, that causes you a financial loss, then Evari’s underwriters will cover you for what was lost.

Business Disruption

Where you opt in for this cover, following damage to your building, contents or stock as a result of fires, floods, storm damage, or impact (to name just a few perils), Evari’s underwriters will cover you for up to 50% of your typical monthly revenue to pay your business expenses to keep your business operating. 

This cover has been developed specifically for your business and will cover a whole range of circumstances with as much plain english as we could possibly muster. This cover can assist you if your business if forced to close by order of a public authority or you are severely impacted by a loss of attraction resulting in a lot fewer customers coming through your doors.

Legal Liability

Where you opt in for this cover, Evari’s underwriters will cover your business against legal and court costs if your actions, negligence, or the condition of your property is found to cause a person to be injured or killed.

Your cover will also extend to another person's property that is damaged or destroyed, or if they suffer loss as a result of relying on your services and/or a product sold or supplied through your business.

Trades Insurance

  • Legal Liability
  • Accidental damage, loss or theft of trade tools & equipment
  • Tax Audit

We provide specialist cover for legal liability, tools of trade and even tax audit for a wide range of trades - from Aerial Installers to Window Cleaners and everything in between.

Carpenters, electricians, handymen, landscapers, painters, plumbers and more- we cover them all!

What is 'dynamic protection'?

We don't think it's wise for any business to 'set-and-forget' their insurance between renewals - a year can be a long time, and many businesses like yours will experience changes in working patterns, or a change in the number of employees which could impact their insurance.

With Evari, its easy to manage your cover - you're in complete control of your policy 24/7 and you can easily add/change/remove covers, or take care of policy administration tasks such as instantly sending certificates of insurance.

But perhaps our biggest benefit is that we will let you specify pause periods - giving you money back for times you are not working and don't need to cover your legal liability risks.

Legal Liability

Where you opt in for this cover, Evari’s underwriters will cover your business against legal and court costs if your actions or negligence is found to cause personal injury to someone. 

You are also covered if another person's property that is damaged or destroyed, or if they suffer loss as a result of relying on your services and/or a product sold or supplied through your business. If you're a tradie, this is a must before most of your customers will let you onto their property so that you can get to work.

And don't forget our pause periods! If your not working for a week or two because you are heading off on holiday or don't have any jobs on, then why should you be paying for insurance? Just log in to your dashboard to set up your pause period.

Tools of Trade

  • Cover for accidental damage
  • Cover for loss of tools or equipment
  • Cover for stolen equipment
  • Repair to pay the value
  • Cover for alternative premises

Where you opt in for this cover, if your tools of trade and equipment are accidentally damaged, lost or stolen then Evari’s underwriters will cover the cost to repair, replace or pay the value for your tools and equipment that you need for your business.

The Evari difference also includes additional protection when your tools and equipment are stolen from your securely locked vehicle, your home or another person's home or business premises that you have authorised.

To make sure your equipment is fully covered we allow you to add your tools to the Evari Asset Vault. If you add something and you have a claim against it, you will be covered for the value of the tool. As an added bonus, the claims process will also be streamlined because we already have those details.

Tools of trade are any instruments, tools, plant and equipment that you require for your skilled trades work, but does not include portable electronic devices such as Mobile phones or tablets.

Tax Audit

  • Cost of professional fees incurred

Tax can be a real pain, and unfortunately sometime the tax office might want to check that your business has been paying the right amount of tax.

When you opt in for this cover, if you are subject to a tax audit by the Australian Taxation Office, or by a Commonwealth, State or Territory department, you will be reimbursed for the costs of any professional fees incurred by you in connection with the tax audit.

Professionals Insurance

  • Legal Liability
    Professional Indemnity
  • Accidental damage, loss or theft of trade tools & equipment
  • Tax Audit

What is 'dynamic protection'?

It's not safe to set-and-forget your insurance throughout the year, but by securely connecting to your business software, your data makes sure you’re properly covered at all times of the year, and aren’t paying for things you don’t need. You're in complete control of your policy and cover based on your unique and changing business needs.

For example:
Peak business periods = A policy with the right protection.
Go on a holiday, or have a quiet business period = Save money and only pay for what you need.

We let you pause your cover and give you the ability to change it where necessary.

Best of all, we can completely take the hassle out of it for you by letting you know when something changes, giving you peace of mind that if an accident happens you’re fully covered. We take the stress out of filling out tedious forms and spending hours on hold by streamlining the process and making your insurance policy something you actually understand.

Legal Liability

Where you opt in for this cover, Evari’s underwriters will cover your business against legal and court costs if your actions, negligence, or the condition of your property is found to cause a person to be injured or killed. 

The Evari difference will also extend your cover to another person's property that is damaged or destroyed, or if they suffer loss as a result of relying on your services and/or a product sold or supplied through your business.

Professional Indemnity

If you opt in for this cover, this will provide you and your business protection against claims arising from an act, error or omission in the performance of professional services.

A claim against you may occur if it’s alleged you: 

- Provided misleading, negligent and/or Inadequate advice that leads to a loss
- Misstated a fact
- Don't achieve the results or complete the service of a contract
- Provided incorrect auditing of accounts or tax.

An Evari policy will cover the costs of legal fees if a claim arises.

Accidental Damage, Loss & Theft

  • Cover for accidental damage
  • Cover for loss of tools or equipment
  • Cover for stolen equipment
  • Repair to pay the value
  • Cover for alternative premises

If your tools of trade and equipment are accidentally damaged, lost or stolen, Evari’s underwriters will repair, replace or pay the value for your tools and equipment that you need for your business.

The Evari difference also includes additional protection when your tools and equipment are stolen from your securely locked vehicle, your home or another person's home or business premises that you have authorised.

Tools of trade are any instruments, tools and equipment that you require for your skilled trades work.

Tax Audit

  • Up to the value of $25,000
  • Cost of professional fees incurred

In the event that you are subject to a tax audit by the Australian Taxation Office, or by a Commonwealth, State or Territory department, body or agency, Evari’s underwriters will reimburse the costs of any professional fees incurred by you in connection with the tax audit.

About our cover for retailers, cafe's and restaurants

  • Property Loss, Damage & Destruction
  • Stock & Contents
  • Glass & Signage
  • Portable Electronic Devices
  • Fridge Breakdown
  • Theft of Stock & Contents
  • Theft of Money
  • Employee Dishonesty
  • Business Distruption
  • Legal Liability

It takes years to build a successful business, and only seconds to lose it. Evari’s purpose is to protect your business from life's unexpected events. 

Evari has designed a flexible insurance product to specifically address the insurance needs of retailers, cafe's and restaurants. Our comprehensive cover is backed by global giants, certain underwriters at Lloyd’s, who from humble beginnings in a coffee house in 1688 have pioneered insurance, growing over 325 years to become the world's leading market for specialist insurance.

Evari has also partnered with one of the world's biggest claims management companies so when you need to make a claim, you have peace of mind knowing that your claim is being managed by a leading service provider.

What is 'dynamic protection'?

It's not safe to set-and-forget your insurance throughout the year, but by securely connecting to your business software, your data to makes sure you’re properly covered at all times of the year, and aren’t paying for things you don’t need. You're in complete control of your policy and cover based on your unique and changing business needs.

For example:
More stock over Christmas = A policy with the right protection
Less business in winter = Save money and only pay for what you need

Each month we notify you of changes that may affect your cover (a new bit of equipment, higher than normal stock levels…) and give you the ability to change it where necessary.

Best of all, we can completely take the hassle out of it for you by letting you know when something changes, giving you peace of mind that if an accident happens you’re fully covered. We take the stress out of filling out tedious forms and spending hours on hold by streamlining the process and making your insurance policy something you actually understand.

Property Loss, Damage & Destruction

  • Fire
  • Flood
  • Storm damage & impact
  • Landscaping
  • Professional & Government fees
  • Debris removal
  • Repair or rebuild

Protect your business premises and opt in for this benefit. You’ll be covered for fires, floods, storm damage and impact (to name just a few); Evari’s underwriting team will repair or rebuild your damaged building, or pay you the cost of rebuilding or repairing.

It doesn’t stop there, the Evari difference includes additional cover for landscaping costs, professional and government fees, removal of debris, and extra costs associated with complying with the myriad of changes you would need to make to repair or rebuild your building.

Stock & Contents

  • Flexible, dynamic cover depending on stock levels
  • Damage (fire, water, storm etc.)
  • Loss or theft
  • Cover for off-site stock

If your stock and/or contents is damaged or destroyed from fire, water damage, and storms (to name just a few) at your business premises, Evari’s underwriters will repair, replace or pay the value for your damaged or lost stock and contents.

Evari’s underwriters will repair or replace your contents with similar property. But it doesn’t stop there, Evari understands that the modern business isn’t always stationary, that's why the Evari provides you with dynamic insurance that updates your level of cover as your stock levels change, simply link Evari to your cloud accounting software and we’ll do the rest.

The Evari difference also includes additional protection for stock and contents that are not stored at your business premises, such as a storage facility, private residence, or a temporary location where your business may be trading.

Glass

  • Replace broken glass
  • Malicious Damage
  • Repair to frames, tiling & bars
  • Temporary shuttering costs
  • Sign writing costs

If your stock and/or contents is damaged or destroyed from fire, water damage, and storms (to name just a few) at your business premises, Evari’s underwriters will repair, replace or pay the value for your damaged or lost stock and contents.

Evari’s underwriters will repair or replace your contents with similar property. But it doesn’t stop there, Evari understands that the modern business isn’t always stationary, that's why the Evari provides you with dynamic insurance that updates your level of cover as your stock levels change, simply link Evari to your cloud accounting software and we’ll do the rest.

The Evari difference also includes additional protection for stock and contents that are not stored at your business premises, such as a storage facility, private residence, or a temporary location where your business may be trading.

Portable Electronic Devices

  • Smartphone, tablet or laptop
  • Repair, rebuild or replace
  • Restoration of data
  • Damage
  • Loss
  • Theft

We all have lots of devices that are essential to running our business, that is why we have updated this cover to protect the modern devices that we all rely on.

Where you opt in for this cover, your smartphones, tablets, or laptop business devices will be covered where they are lost, broken or stolen. Evari’s underwriting team will repair, rebuild or replace. It’s also good to know that the Evari difference will pay for the restoration of data, ensuring your business stays connected.

Fridge Breakdown

  • Breakdown / Damage
  • Repair, rebuild or replace
  • Deterioration/spoilage of stock
  • Broad definition of ‘fridge’

If you run a cafe or restaurant, making sure your fridges are operating is vital to your business. Make sure you’ve covered your walk in fridge to make sure you can keep on trading, even if it breaks down unexpectedly.

Where you opt in for this cover, you will be protected for fridge breakdown at your business premises where Evari’s underwriting team will either repair, rebuild or replace your fridge. The Evari difference offers a broad definition of ‘fridge’, this includes a merchandiser, undercounter, worktops, walk in, bar refrigeration, display cases, and reach-in refrigerator/freezer.

Best of all we will pay for deterioration and spoilage of stock if your fridge does break down.

Theft of Stock & Contents

  • Temporary security guards
  • Replace locks & keys
  • Cover for off-site stock
  • Replace or Pay the value of stolen stock
  • Repair costs following damage

Where you opt in for this cover, following a break-in, shoplifting, or hold-up at your business premises, Evari’s underwriters will replace or pay the value of what was stolen. But it doesn’t stop there, the Evari difference includes additional cover for temporary security guards, replacement of locks and keys, and repair costs following damage to the premises.

 Best of all, Evari understands that the modern business isn’t always stationary, that's why the Evari includes additional cover for theft not at your business premises, such as a storage facility, private residence, or a temporary location where your business may be trading.

Theft of Money

  • Temporary security guards
  • Replace locks & keys
  • Cover for off-site stock
  • Replace or Pay the value of stolen stock
  • Repair costs following damage

Where you opt in for this cover, following a break-in, hold-up or snatch and grab from a cash register at your business premises, Evari’s underwriters will cover you for money stolen. Evari defines ‘money’ as cash, cheques, debit and credit card vouchers and authorised gift vouchers.

Our theft cover doesn’t stop there, the Evari difference means our underwriters will also pay to repair any damage to the building, or temporary protection you might need at your business premises.

Employee Dishonesty

If one of your employees does something dishonest, such as stealing from your cash register, that causes you financial loss, then Evari’s underwriters will cover you for what was lost.

Business Disruption

Where you opt in for this cover, following damage to your building, contents or stock as a result of fires, floods, storm damage, or impact (to name just a few perils), Evari’s underwriters will cover you for up to 50% of your typical monthly revenue to pay your business expenses to keep your business operating. 

This cover has been developed specifically for your business and will cover a whole range of circumstances with as much plain english as we could possibly muster. This cover can assist you if your business if forced to close by order of a public authority or you are severely impacted by a loss of attraction resulting in a lot fewer customers coming through your doors.

Legal Liability

Where you opt in for this cover, Evari’s underwriters will cover your business against legal and court costs if your actions, negligence, or the condition of your property is found to cause a person to be injured or killed.

Your cover will also extend to another person's property that is damaged or destroyed, or if they suffer loss as a result of relying on your services and/or a product sold or supplied through your business.