Business insurance at a glance

What is business insurance?

Your business takes years to build – but an accident or disaster could destroy it all in minutes. That’s why as a business owner you should help protect it with quality business insurance. With the right cover in place, owners can run their business with confidence, knowing that their premises, stock, equipment and reputation are protected by insurance.

Why talk to us?

Every business is different, and very business owner is different. We partner with you to get an insurance program that fits your requirements and your risk appetite. We work with you to get the sums insured adequate and get the excess levels that your business is comfortable with.

Who should consider it?

As a business owner you can benefit from comprehensive business insurance to help protect you against risks involved in running your business.

What can insurance cover?

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.

Case Study

Rohan owns a shop in the city. One night a water pipe bursts, flooding the building and damaging his stock. Even worse, the building must be evacuated and renovated to repair all the water damage. This means that Rohan is unable to trade for six weeks.

Rohan’s business insurance covers the cost of the renovations. And, because he has business interruption insurance, he receives a payout to cover the income lost while he’s unable to trade.

Contact us today!

Making sure that your business is properly insured is a conversation worth having with a broker today! Fill out our contact us form below.

Cover is subject to the policy terms, conditions and exclusions.

This information is general in nature. To read our general advice warning click here.

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