Did you know that 70% of small businesses that are not insured or who are underinsured wouldn't survive a serious event*?
We understand that when you own a business, it's more than just a job, it's your livelihood. You can't afford not to have business insurance.
(*Insurance Council of Australia October 2002.)
Business insurance offers flexible cover that can be tailored to suit your needs and protect your business against a range of contingencies such as:
Fire and Other Damage
Cover for your building and business contents & stock for certain specified events such as fire, storm (but not flood), impact, lightning, explosion, and earthquake. Also included is the cost of removing debris.
Cover for theft of stock, electronic equipment and other business contents contained within your building, following forced & violent entry.
Cover for items of your choice such as mobile phones and laptop computers, whether in the office or out.
Covers loss of income for your business as a result of insured damage that happens at the insured premises.
Covers you for accidental loss or damage to the property insured at your business premises.
Covers the replacement value of broken glass. Also includes the cost of temporary shuttering, replacement of sign writing, repairing plastic signs up to $1000, and the cost value of stock spoiled by the broken glass.
Public and Products Liability
Covers your legal liability for personal injury or damage to property caused by an occurrence connected with your business.
Fraud and Dishonesty
Covers you for loss of money or goods as a result of any act of fraud or dishonesty committed by any of your employees.
Goods in Transit
Covers you for loss or damage to goods in transit caused by specified events such as collision, overturning, derailment, fire, explosion, or theft following forcible and violent entry to the vehicle; the damage to goods during loading and unloading can be added to the cover.
Covers you for loss of or damage to money while kept in your building, in transit or at your private residence.
Covers you for the cost of repairing electrical or mechanical machines for sudden or accidental breakdown.
Covers you for professional fees that occur in connection with a tax audit.
Some policies require you to take out a minimum number of covers under the policy.