Most business owners don’t realise they can be liable for a whole range of accidents and issues, even if they seem unfair. With tailored insurance you can build a level of cover to protect against the specific risks your business faces.
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Your business, like all others, faces a level of risk as part of your daily operations. Business insurance is available to help protect your business against the impact of unexpected events or possible claims.
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Does your business employ staff? Is your industry subject to specific regulations? Every business is different and it’s important to understand the specific requirements and demands connected to your business to ensure you have the relevant cover in place.
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Some industries or activities may require specific or specialist insurance policies. Make sure you buy the right products to reflect the risks and requirements of your business.
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As your business evolves – growing and taking on new staff, for example – your business profile, operations and requirements may change. Make sure your business continues to be protected against unexpected events and potential compensation claims.
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An insurance package designed to provide coverage options for your business & office contents, stock, tools, business interruption and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage).
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Professional Indemnity protects you against losses claimed by a third party due to alleged or actual negligence or errors in your professional services or advice. Your Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).
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Cyber Liability insurance helps to protect you from third party claims and also to support your profitability in the event of a cyber breach or attack.
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Personal Accident and Illness insurance can provide levels of cover for loss of income if you are unable to work, suffer permanent disablement and even death as a result of an unexpected injury or illness (even if it occurs outside of your employment). *
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Management Liability insurance is designed to provide protection to both the business and its directors and officers for claims of wrongful acts in the management of the business.
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Provides protection for your business by covering accountant’s fees incurred in connection with an audit by the Australian Taxation Office.
Business insurance – sometimes called commercial insurance – is designed to protect your business when things take an unexpected turn. More specifically, it protects you from financial losses that you might suffer during your day-to-day business activities. This could include, for example, loss of or damage to your business assets due to a fire, or someone taking legal action against your company.
There are many types of business insurance, including:
Yes, you can choose different insurance policies through different insurers. BizCover, our Business Insurance partner, provides a contestable platform – this means you can pick and choose from multiple different products from multiple insurers, depending on what best suits your business. The best part is that sales, service and renewals are all handled in-house, and they even help progress claims with the insurer, meaning there is only one number if you ever need to get in contact about your policies.
There is no one answer to these questions, as every business is unique. However, there are factors you can take into consideration to help you decide how much cover you may need and how much you can expect to pay.
The amount of coverage you need and your premiums (the price you pay for your insurance) may depend on factors such as:
When buying business insurance, answer all questions accurately and choose an appropriate level of cover to ensure that you are protected when you need to make a claim.
*As with any insurance, cover is subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this website is general only and should not be relied upon as advice.
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