We consider ourselves a partner in the unique risk assessment and management needs of your industry, from SME’s (small to medium enterprises) to large corporations. If required we can also provide services in respect of quantity surveyors, valuers, and risk managers (for implementation of O. H + S Programs).
A business takes years to build - but an accident or disaster could destroy it all in minutes. That’s why businesses should help protect themselves with a quality business insurance pack. With the right cover in place, owners can run their business with confidence, knowing that their premises, stock, equipment and reputation are protected by insurance.
Business owners can benefit from taking out an affordable and comprehensive business insurance pack to help protect them against the main risks involved in running a business. “Having the right insurance will help protect your business and minimise its exposure to risk. This may include insuring your business, your income and your commercial risk.”
Business insurance packs can offer general protection for a business, which may include cover against;
Property damage - Repair or replacement of property damaged
Business interruption - Loss of trading profit following insured damage to property and additional costs and expenses incurred during a claim
Theft - Repair or replacement of property stolen
Money - Loss of money
Public or Products Liability - Your liability to pay compensation for personal injury and property damage as well as the costs involved in defending a claim triggered by the policy
Glass - For replacing glass inside or outside your premises, including your shopfront windows, mirrors or display cases
Transit - For stock that is in transit on the road, in the air or by sea
Electronic equipment breakdown - For repairing or replacing electronic equipment that breaks down
Machinery breakdown - Cover for costs associated with machinery breakdown
General property - To cover your tools of trade, including laptops and tools that you use for your profession or trade
Tax Audit - To cover the costs of being audited by the ATO
Employee Dishonesty - Direct financial loss of the business caused by the dishonest or fraudulent conduct of an employee which is first discovered during the period of insurance
Exclusions, and the excess you need to pay and limits of liability can vary greatly depending on your insurer and the requirements of your business.
A product disclosure statement (PDS) is available from us. You should consider the PDS in deciding whether to acquire, or continue to hold, business insurance.