It’s exciting running your own business. Insuring it isn’t. Every business or enterprise comes with its own unique set of risks. Understanding these risks means keeping yourself and your business protected. Whether you work with computers, chemicals, food, finance, or a factory making those must-have gadgets, there’s a certain satisfaction that comes with being in control. Until, of course, the uncontrollable turns up.
Which is where we come in. We can’t serve your customers, drive your trucks, or make sure your production line runs smoothly, but we can take the strain when it comes to insuring your business against the ‘what if's’ that can otherwise take your mind off the job.
With the expertise to get to know you and your business - inside and out we can offer you a flexible, affordable insurance solution that’s perfectly suited to your needs – now and for the future. A comprehensive range of quality insurance options is available for your business needs.
Business Insurance for professional services
Time’s a precious commodity in any profession and if you are a small business owner whether that be in professional services, or something else, a small business owner needs an insurance solution that is tailored specifically to them. It means you can keep your eye on running your own business.
We can’t help you juggle orders, deliveries, rent, medical research, customer queries or your next GST payment, but we can worry about what might happen tomorrow so you can focus on what’s happening today.
It’s important your livelihood and your lifestyle are protected and we can choose from any of the following options:
Fire and Other Damage
Your building and business contents are covered from certain specific events including fire, storm (not flood), lightning, impact by vehicles, explosion and earthquakes. Accidental damage cover is automatically included (limits apply).
If someone breaks into your premises using forced and violent entry, you are covered for the theft of stock, other business contents and electronic equipment in your building.
Cover for items of your choice such as mobile phones and laptop computers, whether you’re in the office or anywhere in the world.
Business Interruption Insurance covers you for loss of gross profit or gross rentals following an interruption to your business, which was caused by an insured event including fire or burglary, etc.
You’re covered for the replacement value of broken glass including the cost of temporary shuttering, replacement of sign writing and repair of plastic signs (limits apply). Any stock damaged by the broken glass is also covered at the cost value.
Public and Products Liability
Your legal liability for personal injury or damage to property due to an occurrence connected with your business is covered where you are at fault.
Fraud and Dishonesty
You are covered for the loss of money or goods due to any act of fraud or dishonesty by your employees, whether they are acting in collusion with others or alone. This fraud and dishonesty needs to be discovered during the insurance period.
Goods in Transit
Loss or damage to your goods in transit is covered against specific events.
You’re covered for loss or theft of money from certain locations. Any loss of money caused by accounting or clerical errors or theft from staff is not covered.
Your mechanical or electrical equipment is covered, as well as certain electronic devices.
Tax Audit: Your professional fees, including legal and accounting fees, associated with a business tax audit are covered.