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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.
Glass
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.
Money
Covers loss of money from your premises, in transit, or at the homes of directors or employees.
Theft
Protects against loss of or damage to your business's property due to theft, armed robbery, or burglary.
The Broad Risk Difference
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"You First" Principle
Your business comes first. We align our services with your values and needs, providing expert advice and insurance protection that allows you to focus on what matters most—growing your business with peace of mind.
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Accountability
We take full responsibility for the services and recommendations we provide. Every action is designed to deliver results, fostering trusted, long-term relationships with our clients. Your satisfaction and security are at the forefront of everything we do.
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Expert Solutions
With over 15 years of experience, we specialise in delivering tailored advice and solutions to protect your business. We customise our offerings to your unique needs, ensuring comprehensive coverage and peace of mind.
Frequently Asked Questions
1. 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
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. 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.