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Your Insurance is our Business

With an in depth knowledge of the insurance market, Business Insurance Broker can help find the cover that’s right for you and your needs.

As part of the largest combined general insurance broker network in Australia and New Zealand, we offer exclusive and tailored products to provide greater protection and value for your business. We will help you recognise the risk exposures of your occupation and then recommend certain policies from the major insurers based on levels of cover, competitive premium and claims rating. We can also offer Strata or Landlords Insurance and personal insurance options for our business clients, such as car insurance, home & contents insurance and even travel insurance.

Business Insurance Broker (Aust) Pty Ltd was established following extensive experience within the industry and recognising the need for an educated, more personal service to small and medium sized businesses. The founder, Martin Andrews, has Tier 1 qualifications in general insurance in addition to his Commerce degree and he enjoys learning about his clients, helping them understand insurance and helping his clients find insurance cover that’s the right fit for their needs.

Business Insurance Broker brings the right balance of knowledge, experience, and personal service and will always have your best interests at heart.

Insurance for Business

Business & Trade Insurance
Business & Trade Insurance
Construction
Construction
Strata & Property Owners
Strata & Property Owners
Commercial Vehicles
Commercial Vehicles
Professional Risks
Professional Risks
Cyber Insurance
Cyber Insurance

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Insurance at a Glance

Protects you from legal action taken against you if someone suffers a financial loss after following your professional advice or as a result of receiving your service.

Covers damage or loss to buildings, contents and stock caused by insured events (eg Fire, Storm Damage) and accidental damage.

Covers your business for legal costs and compensation costs that you might have to pay if you are found liable to someone because you caused death or injury, loss or damage to their property, or economic loss due to your negligence.

Businesses that supply, deliver or sell goods, even in the form of services or repairs, may need cover against claims of goods causing damage, injury or death. Product liability cover protects you if any of these events happen to another person or business by the failure of a product you are selling.

Theft insurance generally covers your business against loss or damage to your stock and contents if someone forces their way onto your premises, or uses deception to get in to your premises. It usually does not cover cash losses, which can be covered separately.
As it suggests, this covers your money for theft at the premises, in transit and at your private residence.
Covers machinery and equipment used in your business. Some policies may also cover stock damages as a result of the breakdown.
Covers against fraudulent or dishonest actions committed by employees that directly results in loss of money, negotiable instruments or goods.

This is compulsory in all states and territories for businesses with a certain number of employees.

Every state and territory requires mandatory motor vehicle accident personal injuries insurance for all company or business vehicles.
Many different types of policies are available, so make sure you understand the options before making a decision. Consider the three most common options below:
1. Comprehensive
2. Third party property damage
3. Third party, fire and theft

Covers costs incurred by your accountant, or registered tax agent, when notified by the Australian Taxation Office to conduct an audit or investigation into your tax liability.

Covers businesses that suffer a loss because they cannot trade for a period of time due to loss or damage from a weather event, flood, fire or other insured interruptions.

Covers businesses for the deterioration of chilled, refrigerated or frozen goods and stock if a refrigerator or freezer unit storing these goods breaks down and spoils the items.

Covers the replacement of external and internal glass, as well as specified glass items.
Covers the loss of, or damage to, goods you buy, sell or use in your business when they are in transit by road, rail, air and sea. It also covers damage to property – such as tools and equipment – while in transit within a defined set of geographical limits.
Covers accidental damage or loss to computers and electronic equipment and data.

Get in touch and we can discuss your needs