Comprehensive Insurance Options for Your Business

Having adequate general insurance coverage is one of the most fundamental parts of being in business. It provides invaluable protection against various risk events – from equipment and assets to legal liability – reducing financial uncertainty and protecting your livelihood and workforce. Insurance companies provide a wide variety of general business insurance policies, so it's essential to get the right one for your needs.

Business interruption insurance is designed to cover the shortfall in gross profits caused by the interruption to your business after a disaster or another type of insured event that forces you to close your doors for an extended time. It effectively returns your business to the same financial position it was in before the event occurred, allowing the quickest possible resumption of regular business.

You need contract works insurance in place before a peg is put into the ground. Many things can go wrong when building works are involved, whether at the excavation or even completion stage of any project. This insurance is designed to provide any physical and related party liability damage and loss of building materials, fire and malicious damage.

As digital technology has become more and more inseparable from the operations of most businesses, having cyber insurance has become more and more important.

If you have a small to medium-sized private company, you could be protected by a policy that covers claims from a wide range of management liabilities, such as; directors and officers liability, company reimbursement, company liability, and employment practice liability.

Suppose you run your business predominantly from home. In that case, it's essential to be aware that your existing home and contents insurance may not cover your business activities or equipment if you need to make a claim.

Despite a business' best intentions, sometimes accidents still happen. Product liability insurance protects against claims of personal injury or third-party property damage caused by products that have been manufactured, sold or supplied by your business. In particular, it can help to cover the potentially significant costs associated with legal and court costs.

Marine insurance is designed to provide peace of mind, whether you have a pleasure craft that requires insurance or if you are moving cargo across water, land or air. Marine transit covers provide point-to-point coverage between your premises and your customers.

One of the more common types of business cover, motor/vehicle insurance, protects your business fleet against costs arising from theft and accidents. Your policy can be tailored to include a range of commercial vehicles, from cars and motorbikes to vans, trucks and even buses and heavy motor vehicles.

If you have mobile plant and equipment, we can arrange to ensure that it is properly insured to protect the equipment and the liabilities associated with its use. This product is designed to cover everything - from the smallest earthmoving machines to the largest fixed or mobile cranes – and everything in between.

You always endeavour to provide the very best services and advice you can. Regardless, the threat of claims and litigation is very real in the 21st Century Australian business and can potentially bankrupt a business. Therefore, if your business provides professional services and/or advice, you should strongly consider having professional indemnity insurance.

A must if you have one or more business premises, property insurance provides financial protection in the event they are damaged or destroyed in a one-off event.

Strata Insurance offers you peace of mind by providing liability coverage in the event people are injured on the common property. Typically it includes cover for lifts, pools car parks, stairwells, gardens, wiring, balconies, walls, windows, ceilings, and floors.

Workers' Compensation is compulsory for all Australian employers. It provides protection to workers if they suffer a work-related injury or illness. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers' compensation insurance that covers their workforce.

A licensed builder will need Builders' Warranty insurance for some or all of your residential jobs. Builders' Warranty protects your customer if they lose their deposit, you don't finish the job or if it's defective, and you die, disappear or become bankrupt. The rules vary in different states across Australia.