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Business Insurance

An Overview of What is Covered Under Business Insurance

Property Damage

Covers loss or damage to buildings, contents, and stock due to events like fire, storm, or vandalism.


Business Interruption

Protects against loss of income resulting from an insured event that disrupts your business operations.


Public Liability

Provides protection against legal liability for bodily injury or property damage to third parties.


Product Liability

Protects your business against claims of personal injury or property damage caused by products sold or supplied through your business.


Electronic Equipment Breakdown

Covers repair or replacement of electronic equipment and data loss due to an electrical or mechanical breakdown.



Provides coverage for breakage of internal and external glass, including signage and display cases.


Machinery Breakdown

Protects against sudden and unforeseen physical damage to machinery, necessitating its repair or replacement.


General Property

Covers physical loss or damage to your business's general property, including tools and equipment, while at the insured location or in transit.


Tax Audit

Covers the costs associated with being audited by the Australian Taxation Office or other government body.



Covers loss of money from your premises, in transit, or at the homes of directors or employees.



Protects against loss of or damage to your business's property due to theft, armed robbery, or burglary.


  • What is Business Insurance?
    Business insurance is a broad term for various policies designed to protect businesses from financial losses due to unforeseen events such as property damage, liability claims, employee-related risks, and more. It's a safeguard that helps ensure the continuity and stability of your business operations
  • Why Does My Business Need Insurance
    Insurance is essential for any business as it provides financial protection against common risks that could otherwise result in significant financial hardship or even the closure of your business. It covers everything from property damage and liability to employee dishonesty and electronic equipment breakdown.
  • How Much Does Business Insurance Cost?
    The cost of business insurance varies widely based on factors such as the size of your business, the industry you're in, the types of coverage you need, and your claims history. To get an accurate quote, it's best to speak with an insurance broker who can assess your specific needs.
  • How Do I know What type of Insurance My Business Needs?
    Determining the right type of insurance for your business depends on various factors, including the nature of your business, the risks associated with your industry, and your business's specific needs. An insurance broker can help you assess your risks and recommend the appropriate coverages.
  • Can I Customise My Business Insurance Package?
    Yes, business insurance packages are highly customizable. You can choose to include or exclude specific coverages based on your business's unique risks and requirements. An insurance broker can assist you in building a tailored insurance package that fits your business.
  • What Happens if I Don't Have Business Insurance?
    Operating without business insurance exposes you to significant risks. If an unforeseen event occurs, such as a lawsuit or property damage, you would have to pay out of pocket for any losses or damages. This could have a severe impact on your business's finances and could even lead to bankruptcy.
  • How Often Should I Review my Business Insurance?
    It's recommended to review your business insurance coverage at least annually or whenever there are significant changes to your business, such as expansion, offering new products or services, or purchasing new equipment. Regular reviews ensure that your coverage remains adequate as your business evolves.
Business Insurance Contact

If you would like more information on Business Insurance please fill out the below contact form or call Warren direct on 0422 131 401

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