02 4969 8100
Call me back
Protection for your business, premises, contents, stock, equipment and reputation.
Protection for your business, premises, contents, stock, equipment and reputation.
A business takes years to build – but an accident or disaster could destroy it all in minutes. That’s why all businesses should help protect themselves with 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.
Business insurance offers general protection for a business, which may include cover against:
Business insurance is important for new or growing businesses. However, all business owners can benefit from taking out affordable and comprehensive business insurance, whatever their business size, to help protect them against the main risks involved in running a business.
Having the right insurance will help protect your business and minimise its exposure to risk. This may include insuring your business, your income and your commercial risk. Commercial fleet vehicles can benefit from cover provided by business car insurance.
Paul and David own a thriving café in inner-city Melbourne. Most of their customers are people who work in the city. They employ a close-knit team of waiting staff, chefs, kitchen hands and baristas.
A burst water main floods their café one night, causing serious damage to the interior, kitchen and serving area covered by their policy. The business needs to close for nearly three weeks for repairs, which means they could have no trade or income during this period.
Fortunately, Paul and David have small business insurance. This means they’re able to cover their usual bills and pay their staff while they’re getting repairs done and are unable to open their doors. This takes some of the stress out of dealing with the accident – and means their valued team should not suffer financially.
Exclusions and the excess you need to pay on insurance coverage can vary greatly depending on your insurer. There is also often a deductible or excess and limits on cover.
Our brokers have a deep understanding of businesses across a range of industries. We can also take the time to understand your company’s specific risk profile and tailor the right business insurance policies to suit your needs.
All business owners can benefit from taking out affordable and comprehensive business insurance, whatever their business size, to help protect them against the main risks involved in running a business.
Having the right business insurance will help minimise your business’ exposure to risk. This may include insuring your building, products, stock, raw materials and employees. Business vehicles can also be covered by commercial motor or Fleet insurance.
The most common types of small business insurance are those forms of insurance are required by law:
Management liability insurance covers your assets when a claim is made against a manager, director or officer relating to wrongful acts or omissions as they relate to management practices.
Management liability insurance covers your assets when a claim is made against a manager or director relating to unethical management practices.
Other business insurance policies you may need include as a small business could include: professional indemnity insurance, cyber insurance and business interruption insurance.
Our team of brokers will access your needs and can recommend the right insurance policies to protect your business.
It’s a good idea to insure any items that remain at a business location.
Business contents insurance covers items normally housed inside business buildings or elsewhere at the business location. This can include things like furniture, computer equipment, and inventory.
If you have raw materials, stock or products stored in the open, these can also be insured.
Our insurance brokers will access your needs and can recommend the right insurance policy for your business.
There are two main types of business car insurance. CTP insurance (compulsory third-party insurance) and commercial motor insurance.
Get peace of mind and protection against cyber attacks, such as computer hacking, ransomware or data theft.
Business Interruption Insurance protects your business’ ability to keep on running when unexpected interruptions such as property damage occur.
Protection for your business, premises, contents, stock, equipment and reputation.
Call us on 02 4969 8100 or request a call back.
We know that navigating the world of insurance can be complex and confusing. Our brokers compare the myriad of insurance options on the market for you, providing expert advice to implement your chosen plan.
We empower thousands of Australian businesses to focus on what they do best, knowing they’re protected against any possible eventuality.