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A business insurance policy protects against losses such as property, business interruption, theft, money, glass breakage, broad-form 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.
If your business provides advice, consulting, or professional services, this cover helps protect you and your workers from claims of negligence or errors that may lead to a client’s financial loss. It can cover legal fees, settlements, and associated costs if a dispute arises over your work.
This type of insurance protects your business if someone is injured or their property is damaged due to your operations—whether on your premises or out in the community. It’s essential for any business that interacts with the public, suppliers, or customers.
Designed for business owners, directors, and key decision-makers, this cover helps protect against liability claims relating to allegations such as mismanagement, breaches of duty, workplace discrimination, or wrongful dismissal. It also protects against fines and penalties in certain regulatory matters.
If an unexpected event like a fire, storm, or other insured incident disrupts your operations, this cover can help replace lost income and cover ongoing expenses. It ensures your business activities can continue to meet financial obligations while you recover and rebuild.
Business insurance is generally a term for insurance that is used to protect a business against certain risks.
It generically applies to business package insurance, which covers multiple classes of insurance risk, such as fire and property damage, business interruption, burglary, plate glass, money, machinery breakdown, electronic equipment and public liability.
The sections selected will depend on the type of business being insured. Therefore, a business insurance broker would advise on relevant sections when assessing the risk.
A business insurance package policy would mostly be purchased by any business owner requiring multiple sections of cover to protect their business.
Retailers, manufacturers, offices, and doctor surgeries are just a few businesses that would need business insurance.
Small businesses in Australia face a range of risks that can disrupt operations, affect revenue, and impact long-term growth. The most common business risks include:
Understanding these risks and putting the right protections in place—like insurance and risk management strategies—can help safeguard your business.
There are too many variables to give any indication as to the cost of business insurance. Every occupation will vary, so will the cost of insurance.
The best option is to discuss one’s needs with a qualified business insurance broker to obtain the right advice and cover suitable for your company.
There really is no best insurer for business insurance, as not all insurers may be able to insure all types of business, so it is important that the right insurer is found for the suitability of a particular business.
A qualified business insurance broker will search and locate any insurers that match a company to ensure the right cover is put in place.
Generally speaking, an insurance premium protecting a revenue-producing asset may be viewed as a tax-deductible expense, and this being the case, yes, business insurance may be claimed on taxes.
If a business does not have any business insurance, the owner is effectively carrying any financial risk themselves.
Therefore, if an event occurs that would normally be covered under a business insurance policy, the uninsured business owner would have to pay for any repair or rebuilding themselves.
We don't need to look around for any other insurance advice. Ian Jones Insurance Brokers instil confidence within us that negates that need and we know they have our best interests at heart
Kylie Harris, Director, Fitness Junction
Insurance is a difficult and complex part of running a business so getting someone who can give good sound advice is paramount. The team at Ian Jones Insurance Brokers break down the walls and communicate their profession in our language. A pleasure to deal with, not only from our perspective but also from those mutual clients that we know who use their services
Vincent Heufel, Director, Heufel Partners Business Advisors Pty Ltd
I hate insurance and hate paying for it, but Ian Jones Insurance Brokers somehow seems to make it a somewhat more pleasurable pain
David Barnett, Owner, Our Town Body Repairs
Ian and his highly professional team have looked after our group insurances since 1999 and we have found them to be consistently easy to deal with and have earned our trust, 100%. They have always given the right advise and make the whole insurance process seem effortless, which, given the complexities of our business, is a great advantage
Michael Coleman, Director, Coleman Group Australia Pty Ltd and Mayo Civil Pty Ltd,
Over the past 17 years Ian Jones Insurance Brokers has provided us with a variety of business, motor vehicle and home insurance policies. Ian and his staff have always provided professional service and quality advice as to the most suitable policy and options relating to our needs. On the occasions when we have needed to make a claim, the service has been prompt with regular follow ups to ensure the process was moving smoothly. I have recommended Ian Jones Insurance Brokers to friends and business colleagues with full confidence and have always heard nothing but great responses from anyone who has utilised Ian and his staff for the provision of insurance services.
Geoff Grimley, Business Principal, Rapport IT Solutions