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Business Insurance Newcastle

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We understand your business to find the right policy

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.

Small Business Insurance

Whether you’re in retail, services provision, manufacturing, professional consultants, entertainment, medical or any other industry – fundamental protection is required from an insurer to protect your business.

What is it good for?

Protection 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.

Common Types of Business Insurance

What’s not covered?

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. 

How do I get it?

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.
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What our clients say

  • “Easy to deal with”

    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

  • “Good sound advice”

    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

  • “Courteous & friendly”

    Every time we need to call we get the answer to what we need to know, efficiently and in a courteous and friendly manner

    Ron Bower, Ron Bower Automotive

  • “Thank you”

    It is with great pleasure that I advise of the professionalism of Ian Jones Insurance Brokers. Their service is of the highest quality with a big plus being the establishment of the Raymond Terrace office .Once again thank you

    Bruce McVey, Director, Axies Pty Ltd

  • “Cover your Assets”

    You don't usually give a great deal of thought about insurances that you have until the worst happens, then it's all you think about. The advice we get from Ian Jones Insurance Brokers makes it obvious that they have done the thinking for us. They have enabled us to recover from losses over the years that bring comfort in knowing that they have done what their catch phrase states - Cover your Assets

    Sam Miranda, Sam Miranda of King Valley Pty Ltd

Personal & Professional. Put us to the test!

We are confident we can find the right policy at the right premium for you and your business  –  no matter what it is.

Frequently Asked Questions

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What is Business Insurance?

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 what type of business is being insured so an insurance broker would advise on relevant sections when assessing the risk.

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Who would need Business Insurance?

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, doctor surgeries are just a few businesses that would need business insurance.

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How much does Business Insurance cost?

There are too many variables to give any indication as to the cost of business insurance. Every occupation will vary so does the cost of insurance. The best option is to discuss ones needs with a qualified insurance broker in order to obtain the right advice and cover suitable to your business.

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Which insurer is best for business insurance?

There really is no best insurer for business insurance as not all insurers may be able to insurer all types of business so it is important that the right insurer is found for the suitability of a particular business. A qualified insurance broker will search and locate any insurers that match a business to ensure the right cover is put in place.

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Can you claim business insurance on tax?

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 tax.

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What happens if you don’t have business insurance?

If a business does not have any business insurance the owner is effectively carrying any financial risk themselves so 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 re building themselves.