We recognise that not all Houses and Centres are the same. With this in mind, we've developed an insurance policy with cover options that you can tailor to your individual circumstances and needs by selecting from the following cover options:

1. Legal Liability Cover

As you provide services to members of our community who attend your House or Centre, you are exposed to three significant legal liability risks (the liability imposed on you by law to pay for harm done to others or damage to other peoples property):

• Public Liability
• Products Liability
• Professional Indemnity

You'll be pleased to know that our Insurance for Neighbourhood Houses and Learning Centres can provide you with cover for each of these risks.

Free telephone legal advice
Legal liability claims are managed by our in-house team of experienced legal experts - Guild Legal. You have direct access to this team for advice on liability incidents, or if a claim is made against you.

2. Building, Contents and Related Covers

Our policy provides cover for a wide range of building, contents and related risks, so whether your House or Centre is large or small we can tailor your cover to suit. Cover options include:

Damage to Building and Contents
When you insure your building and contents with Guild you will automatically receive cover for fire, storm and flood. If your building is destroyed you will also receive cover for any extra rebuilding costs (including demolition or dismantlement) necessary to comply with the requirements of any government, public authority, or any local, municipal or statutory authority.

Business Interruption
This cover provides you with protection for costs associated with interruption to your House or Centre where you are prevented from operating at your premises. For example (but not limited to) damage to the premises, access prevention orders, burglary, armed hold-up, etc.

Accounts Receivable and Business Documents
We can provide you with cover for any loss that arrises from your inability to collect accounts receivable, and the costs of restoring your documents following damage to your building and contents, or burglary.

Burglary of Contents
Our burglary cover includes several leading benefits, such as:

• Cover for contents located, for storage purposes only, in alternative premises.
• $5,000 cover for customers goods.
• $1,000 cover for equipment on hire.
• $1,000 cover for personal effects.
• $2,000 cover for replacement of locks & keys.
• Cover for restoration of your security system.

Loss of Money
Do you collect or hold money at your House or Centre? Our policy can provide you with cover for loss of money anywhere in Australia.

Employee Dishonesty
We can provide you with cover for any loss of money, contents, goods or other property which belongs to you or is in your possession as a result of dishonesty by an employee.

Equipment Breakdown
This cover protects you against costly repairs or replacement of equipment if it breaks down. We can also provide you with cover for reconstructing electronic records and hiring substitute equipment.

Damage to Glass
Our relationships with preferred glass suppliers in Victoria ensures that replacing damaged glass at your House or Centre is always quick and painless.

General Property Away From the Premises
This cover provides protection for unspecified items of property when away from the business premises. For example (but not limited to) unspecified contents, computer equipment, etc.

3. Motor Vehicle Cover

If you use a car in conjunction with your House or Centre we can also provide cover for this within your business insurance policy. The real benefit of combining this cover is that you'll have a single convenient policy to manage, with one premium and one renewal.

4. Directors' and Officers' Liability Cover

Within our business insurance you can elect to take out Directors' & Officers' Liability cover which will provide protection to your decision makers when performing the duties imposed upon them by virtue of their position.

Employment Practices Liability Cover Disputes between employer and employee are common. Fortunately, our business insurance provides cover for any claims made against you by an employee for any actual or alleged conduct against an employee. For example (but not limited to):

• Discharge or termination of an employment agreement, in breach of the law.
• Unjustifiable demotion and unfair discipline.
• Employment related breach of the right of privacy.
• Wrongful infliction of emotional distress.
• Unlawful discrimination.
• Failure or refusal to hire a potential employee.

Free telephone legal advice
Employment practices liability claims are managed by our in-house team of experienced legal experts - Guild Legal. You have direct access to this team for legal advice regarding employment related issues.

5. Voluntary Workers Personal Accident Cover

Voluntary workers play an important role in many Houses and Centres, so it's reassuring to know that you can take out cover to protect them in the event of a physical injury. Under our business insurance policy we will pay compensation to voluntary workers who sustain an injury as a result of performing voluntary work on your behalf. For full details on this cover please contact your local regional office.