Norwest NSW
Accidental Damage Insurance
Things get dropped. Screens get cracked. A forklift clips a rack, a cleaner knocks over a display, someone puts a ladder through a ceiling panel. None of it is anyone's fault in a way that matters, but it still costs money to fix.
Accidental damage cover is there for the sudden, unexpected damage that happens during normal business life. It usually sits as an extension on a business property or contents policy, and it's one of the covers we see people skip because they assume it's already included. Often it isn't.
What it can cover
Dropped or knocked over equipment and stock
Sudden accidental damage to equipment and stock during normal business operations.
Broken glass, signage and windows
Impact and accidental breakage to glass, shopfronts, windows and signage.
Damage caused by a visitor, contractor or staff member
Unintended damage that happens when people are on site going about their work.
Spills and impact damage to fixtures and fittings
Spills, knocks and impact damage to fixtures, fittings and fit-out.
What it usually doesn't cover
Every insurer words this differently, so we read the policy for you and tell you plainly what's in and what's out.
- Wear and tear, rust or gradual deterioration
- Deliberate damage
- Faulty workmanship or manufacturing defects
Case study
An example
A café owner in Norwest is moving a new espresso machine into place. It slips off the trolley and cracks the base and the water tank. The machine is a write-off and the tiles underneath are chipped. With accidental damage cover on the policy, the claim can respond to the machine and the floor repair, less the excess. Without it, the café wears the whole cost.
Illustrative example only. Cover depends on your policy wording.
Contact us
Not sure whether you're covered? Tell us:
We're based at Suite 2.02, 2-8 Brookhollow Ave, Norwest NSW. Call 02 8660 2305 or email admin@idealbrokers.com.au.
Ideal Insurance Brokers, Norwest NSW 2153. Ideal Brokers Pty Ltd (CAR No. 001262504 | ABN 65 623 205 952) is a Corporate Authorised Representative of Metrix Connect Pty Ltd ACN 635 286 136 as the trustee for the Metrix Connect Hybrid Trust ABN 55 742 327 931 | AFSL No. 525491. This page contains general information only and does not take into account your objectives, financial situation or needs. Read the Product Disclosure Statement before buying.
Accidental damage insurance FAQs
Not always. Many policies only include it as an optional extra. Send us your current schedule and we'll check.
Only if portable items are included. Standard contents cover often stops at the front door, so we'll look at whether you need a portable equipment extension.
Yes. The amount depends on the insurer and the policy. We'll tell you the figure before you commit.
It's worth checking. Some policies cover it, others only cover your own staff. Ask us before you rely on it.