Business Insurance

Business insurance policy covers include:

  • Property - Damage to your buildings, contents and stock caused by fire & other listed perils including accidental damage.
  • Business Interruption - The shortfall in your business income caused by the interruption to your business after you’ve had an insured loss.
  • Theft - Theft of business contents or stock from your premises
  • Money - Theft of money either from your premises, in transit or at your private residence.
  • Glass - Breakage of internal and external glass including signs.
  • Public & Products Liability - Your legal liability to pay compensation for personal injury or property damage you or your business may cause.
  • Machinery Breakdown - Damage to machinery including air conditioning units caused by breakdown. Refrigerated or frozen goods can also be covered against deterioration following a claimable breakdown.
  • Employee Dishonesty - Fraud or dishonest acts by your employees.
  • Computers & Electronic Equipment - Fire, theft, accidental damage, breakdown and business interruption cover for computers and electronic equipment.
  • General Property - Also called tools of trade cover, protecting your business items that are regularly removed from your business address. Can be cover for fire, theft and accidental damage.
  • Transit - Protection for items that your business sends and receives either from transits within Australia, importing or exporting
  • Tax Investigation - Costs incurred by your accountant or registered tax agent (after receiving notification from the ATO) in conducting an audit or investigation in relation to your liability to pay tax.
  • Commercial Motor - Covering your business vehicles including sedans, utes, vans, heavy vehicles, trailers and plant & equipment.

Business Insurance packages can be tailored to any business from any industry sector including retail, manufacturing, warehousing, transport, construction and professional services.

Business Interruption Insurance

The interruption to your business following a major event is often overlooked when you are staring at a physical loss. Any disruption to the operation of a business can and does have serious consequences.

Business Interruption insurance, also known as “loss of profits insurance’ or “consequential loss insurance” is a complimentary insurance cover to the traditional property type cover for buildings, contents & stock. It is traditionally designed to cover a shortfall in turnover but can also assist with:

  • Assisting with relocation costs
  • Payment of costs involved with breaking of contracts
  • Certain continuing expenses such as rent, payroll, interest etc
  • Additional costs to reduce the overall loss of income including costs of temporary premises & staff overtime expenses
  • Marketing expenses to attract back customers lost to competitors

If you want to business insurance, please contact us on 02 93172721 or query of contact us