Business insurance is the complete protection against a variety of risks. Businesses deal with risks on a daily basis, regardless of their size or industry type. For any owner without business insurance at the time of an accident, the resulting costs can often lead to the closure of the business.
Manufacturing, industrial, wholesale/importing, retail, office, and hard to place industries are only a handful of sectors that Brokers National can assist with business insurance. Our brokers will work with you to help identify and mitigate your key risk exposures.
Business Insurance usually incorporates the following covers:
|Property Damage||This section covers the damage to your property such as buildings, contents, and stock at your premises from certain sudden, unexpected or unforeseen occurrences.|
|Business Interruption||This section covers the loss of income and the additional increased costs of working which results from the interruption of your business caused by events covered under the Property Damage cover.|
|Theft||This section covers loss of your contents and stock due to theft.|
|Glass||This section covers glass in your premises (including internal glass such as glass partitions, and external windows.|
|Money||This section covers your business’ money whilst on your premises, in a safe or strong room, in transit to or from your premises, in your personal custody, or the custody of a trusted employee.|
|Machinery Breakdown||This section covers the breakdown of your business’s mechanical machinery including boilers, pressure plants & cool rooms. This can be extended to cover spoilage of stock if your machinery/motor breaks down.|
|Electronic Breakdown||This section covers the breakdown of your business’ electronic equipment computers and electronic equipment such as photocopiers and faxes.|
|Tax Audit||This section covers the professional fees incurred in connection with an audit or investigation of the business’ tax affairs by any authority authorised to do so (for example the Australian Taxation Office).|
|Public & Products Liability||This section covers the legal liability of your business for personal injury to another person (other than employees) or damage to property owned or controlled by someone else. Learn more about Public Liability Insurance|
|Management Liability||This section covers the management liability of you, your directors, officers and employees. Learn more about Management Liability Insurance..|
|General Property||This section covers the loss of or damage to portable property such as tools, laptop computers and personal digital assistants throughout Australia and the rest of the world.|
|Goods in Transit/ Marine||This section covers the loss of or damage to goods and stock that your business buys, sells or uses whilst they are in transit.|
Whatever your type or size of business, Brokers National have a range of products to keep your assets, liabilities, and staff covered. Contact us today on (03) 9791 6688