BUSINESS INSURANCE MELBOURNE
Whether you are a new business owner or a seasoned campaigner, don’t risk all your hard work by not protecting your business from harm.
Business Insurance can provide financial protection for your business, including the premises and contents, against loss, damage or theft as well as cover against any resulting financial loss from an insured interruption to the business. The type of cover and amount will depend on the nature of your business and what areas you think are the riskiest for you.
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• Material damage and loss to your physical assets
• Financial loss due to interruptions to your business
WHAT’S NOT COVERED
• Negligence/breach of duty arising from an act, error or omission as a result of your services or products provided
• Flood damage is generally excluded from all standard policies
• Known claims and existing circumstances prior to taking out the policy
GET THE COVERS YOU NEED
All businesses big and small are important to us. Note the following sections of cover available and le us know which ones are most relevant to your business so we can offer relevant quotes.
BUILDING & CONTENTS
Building insurance covers the cost of repairing or rebuilding your business premises (that you own) as a result of fire, storm and other perils specified in the policy.
Public Liability Insurance covers a company’s legal liability to third parties for causing bodily injury or property damage.
Theft Cover provides protection against loss or damage to contents or stock through theft or attempted theft at your premises, following violent or forced entry.
Business Interruption insurance covers you for the loss of income and the increased costs of running your business as a result of damage by events covered in your policy. It is an important form of cover for small business owners, as the slightest hiccup can send your business into turmoil and cause chaos to your finances.
Glass Cover provides cover for the costs of replacing internal or external glass that is accidentally damaged or broken.
This insurance covers the cost of repairing or replacing insured machinery following breakdown. It also includes electronic or mechanical machinery and equipment, such as boilers, pressure plants, refrigerators and air conditioners.
DETERIORATION OF STOCK
This provides cover for loss or damage by deterioration or putrefaction to goods stored in any cold storage space specified resulting from an insured event.
Tax Audit covers a business in the event that it receives a random audit from the Australian Tax Office. It covers the costs of professional fees incurred whilst preparing for the audit.
Money Cover protects money belonging to your business that is lost, stolen or damaged whilst on your premises, in transit to or from your premises, or in your custody at home or at work.
Covers your business for losses incurred through fraudulent or dishonest acts by your employees.
This insurance cover provides repair or replacement provisions for accidental loss or damage to your non-fixed business property such as tools or portable computers.
This covers your insured computers or other insured electronic equipment against loss, damage or breakdown as defined under your policy.
GOODS IN TRANSIT
Protects you against financial loss or damage to your property in transit caused by an insured event, while your property is in transit by road vehicle owned or operated by you anywhere in Australia.