Specialist Products for your business As a non-profit mutual established to provide Capricorn Society members and their associates a competitive alternative to insurance, Capricorn Mutual offers market leading protections tailored to the Motor Trades industry. Business protections include: Business Buildings Business Contents Burglary Money Engineering Business Interruption General Property Goods in Transit Public & Products Liability Professional Protection Legal Expenses Tax Audit Commercial Vehicles Customer Vehicles Stock Vehicles Personal protections include: Home Buildings Home Contents Private Motor Vehicles The decision to grant protection to a member and the level of protection granted is a subject to the discretion of the Board. Australian Members Australian PDS (Effective from 1 July 2019) Australian PDS (Effective up to and including 30 June 2019) Australian Rules New Zealand Members New Zealand PDS (Effective from 1 July 2019) New Zealand PDS (Effective up to and including 30 June 2019) New Zealand Rules Capricorn Mutual’s Constitution Capricorn Mutual Constitution (Nov 2017 Version) Protections are available through CML's tied-agent, Capricorn Risk Services (CRS). CRS Operates a dedicated network of supportive Account Managers across Australia and New Zealand. Contact CRS on the numbers below to see if CML products are the right solutions for you.