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Business Insurance is the cornerstone of financial protection for ALL businesses. Whether your business is in retail, services provision, manufacturing, consultants, entertainment, medical, professional or any other industry – the fundamental protection is required from an insurer to protect your business.
Protection against losses such as property, business interruption, theft, money, glass breakage, Broadform liability, general property, machinery breakdown, electronic equipment, employee dishonesty, tax audit, transit, employment practices and statutory liability.
Other tailored and specific classes of insurance may be coupled to provide comprehensive protection.
Not all business insurance packages will require the protection afforded by all sections of business insurance package policies. It is critical that we tailor any business insurance package to suit the individual nature of that business.
It is important that a business owner gets the correct advice with regard to what sections of cover are important and relevant to their unique business. In many cases, each policy section will contain options to include additional cover – so it is important that these ‘sub sections’ of a business insurance policy be addressed to ensure complete protection.
Business Insurance packages are available from many, many insurers and underwriting agencies. However, policy wordings, exclusions and endorsements will vary between insurers so getting the right advice is paramount to making any decisions.
Cover for damage to buildings, contents and stock from events such as, but not limited to, fire, storm, malicious damage and impact.
Cover for the loss of your gross profit resulting from an interruption or interference to your business by insured events such as a fire, storm damage or theft.
Cover for your legal liability for personal injury or property damage as a result of an occurrence in connection with your business.
Cover for theft of business contents and stock as a result of a break in to your building.
Cover for loss of money at your business premises during business hours, in a locked safe, in transit and/or at your private residence.
Cover for breakage of glass and signs.
Cover for items you regularly take away from your premises, such as tools of trade, laptop computers and other electronic equipment.
Cover for the cost of repairing or replacing machinery and electronic equipment which suffers a breakdown.
Cover for loss or damage to goods in transit within Australia and/or worldwide.
Cover for employment liability, executive liability and direct financial loss due to dishonest acts by your employees.