Business Insurance

Business insurance is a critical part of your business continuity approach. It helps to manage risk and protect you and your business from loss. There are different types of business insurance policies that you can choose from depending on your business needs. Some of the most common types of business insurance include public liability insurance, professional indemnity insurance, management liability insurance, and cyber liability insurance.

Public Liability

This Insurance covers legal fees and compensation cost which could potentially run into millions of dollars if you do not have this Insurance.

Building and Content

Covers your building, contents, and stock against events like fire, earthquake, lightning, storms, floods, impact, malicious damage, and explosion.

Electronic Equipment

Electronic equipment Insurance covers the repairing, replacing and additional costs to your business or business interruption expenses caused by a breakdown of electronic equipment.

Burglary

Burglary Insurance recompenses for loss or damage caused to the insured property and valuable items such as cash, stock of goods, and Business Contents in an event of unlawful entry.

Glass

Covers the breakage of glass which you own or for which you are legally responsible.

Money

Covers loss of money in transit, money on the situation, money in a locked safe and money in your personal custody while in a private residence.

Business Interruption

Covers consequential loss of income and/or profits from the interruption of – or the interference with – the business caused by insured peril such as fire, theft, storm damage.

Tax Audit

Covers the professional fees that an accountant would charge to help you respond to an official enquiry, review, investigation, or audit of returns lodged with the Australian Tax Office or other Federal, State or Territory government authority, agency or body.

Management Liability

Covers the costs of defending directors, managers and employees against any claims that are the result of their actions or decisions in running the business.

Machinery Breakdown

Covers damage to insured machinery caused by breakdown; this option may also have number of additional benefits plus the optional benefit of deterioration of stock.

Employee Dishonesty

Covers for loss of money or goods caused by employee fraud or dishonesty.

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