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 August 2020) Australian PDS (Effective from 1 July 2019 up to and including 31 July 2020) Australian Rules New Zealand Members New Zealand PDS (Effective from 1 August 2020) New Zealand PDS (Effective from 1 July 2019 up to and including 31 July 2020) 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.