Business
Insurance

Safeguard your Business

We are experienced in advising for a wide array of business which include:

  • Builders, Carpenters, Plumbers, Electricians, Roofers
  • Engineers, Surveyors, Architects, qualified professionals
  • Cafes, Restaurants, Clubs, Distilleries, Fast Food outlets, Retail Businesses
  • Registered Training Organisations
  • Gyms & Personal Trainers
  • Commercial Property Owners and Strata Buildings
  • Barbers, Hairdressers & Stylists
  • E-commerce Businesses
  • Labour Hire 
  • Vehicle Hire and Smash Repairers
  • Worship, Healthcare and Childcare Facilities
  • & more

Business Insurance solutions can be quite varied and dependent on the type of business. Discuss your business with us so we can begin the process of making a recommended approach.

Business Insurance

Business insurance is a crucial safeguard for companies, providing protection against potential risks and unforeseen events. It encompasses various types of coverage, including general liability, property, professional liability, workers’ compensation, cyber liability, and business interruption insurance. These policies help shield businesses from financial losses due to incidents like property damage, legal claims, employee injuries, data breaches, and disruptions to operations. By securing comprehensive business insurance, companies can ensure their assets, employees, and overall operations are well-protected, allowing them to focus on growth and success with the benefit of peace of mind.

If you are interested in starting a new policy, please reach out to us to discuss the options available to you. We are here to help.

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Key coverage additions to consider within this policy can include:

Building Insurance covers for loss and damage to buildings you own, caused by an insured event (such as fire, storm, wind).

Important to note that flood cover can be excluded within the building insurance. Enquiries regarding loss or damage caused by Flood will need to be referred to the Insurer for consideration.

“Flood” means the covering of normally dry land by water that has escaped or been released from the normal confines of:

  • any reservoir, canal or dam
  • any lake, river, creek or other natural watercourse, whether or not altered or modified; or

Contents Insurance covers for loss of or damage to items such as business equipment, stock, plant and machinery, records and furniture belonging to the Insured at the insured location.

Business Interruption provides cover for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). It’s designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).

Theft insurance can cover your contents, stock or from theft, attempted theft or armed hold up. It is common for theft insurance to require the item stolen to have been securely stored before the theft and for there to be evidence of forcible or violent entry in the commission of the theft.

Glass covers for breakage of internal and external glass and signage you own or for which you are legally responsible, at the insured premises. Glass can also include mirrors, porcelain and ceramics such as toilet and hand basins.

Money insurance protects your business money (which will include not only cash and cheques, but also items such as lottery tickets, gift cards, postal orders and stamps) from loss or damage whilst on your premises or in transit.

Machinery breakdown insurance covers the cost to repair or replace specified machinery following a breakdown.

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities.

Cyber Liability insurance is designed to help protect you from claims and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are unintended loss or release of customer personal information, cyber crime, cyber extortion/ransomware and business interruption due to a cyber event. You also have the option to add cover for Social Engineering, Phishing or Cyber Fraud.

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