Business insurance at a glance

Business insurance can offer general protection for a business, which may include cover against:

• Property Damage - Repair or replacement of property damaged.
• Business interruption - Loss of trading profit following insured damage to property and additional costs and expenses incurred during a claim.
• Theft - Replacement of property stolen.
• Money - Loss of money.
• Public or products liability - Your liability to pay compensation for personal injury and property damage as well as the costs involved in defending a claim triggered by the policy.
• Glass - For replacing glass inside or outside your premises, including your shopfront windows, mirrors or display cases.
• Transit - For stock that is in transit on the road, in the air or by sea.
• Electronic equipment breakdown - For repairing or replacing electronic equipment that breaks down.
• Machinery breakdown - Cover for costs associated with machinery breakdown.
• General property - To cover your tools of trade, including laptops and tools that you use for your profession or trade.
• Tax audit - To cover the costs of being audited by the ATO.
• Employee dishonesty - Direct financial loss of the business caused by the dishonest or fraudulent conduct of an employee which is first discovered during the period of insurance.