Business Insurance made easy
Insurance designed to meet your expectations
Public Liability Insurance
provides protection for you or your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
Professional Indemnity Insurance
is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. Professional Indemnity Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.
Some examples of what may result in a Professional Indemnity insurance claim include:
Providing the wrong advice
Incorrect diagnosis or treatment
A miscalculation
Business Insurance
Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage).
Some of the different types of Business Insurances may include:
Contents Cover for loss of or damage to items such as business equipment, stock, plant and machinery, records and furniture belonging to you at the insured location.
Building Insurance. If you own the building from where you operate your business this Covers you for damage to your building due to fire and other perils listed within the policy wording.
Portable Equipment Insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock.
Tax Audit. If your accounts are audited by the Australian Tax Office, you may need to hire external accountants to assist in the process. Tax Audit Insurance covers a business for specified costs in responding to an official tax audit.
Business Interruption cover provides protection for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). It is designed to help your business recover from an insured event by paying ongoing expenses (such as wages or rent).
Cyber Insurance helps to protect you from claims and supports your profitability in the event of a cyber breach or attack.
Management Liability protects directors and officers and the insured company itself from the many exposures relating to the management of a company. Owners and those responsible for the management of a company have specific responsibilities which can result in personal liability for alleged or actual wrongdoing.