What business insurance do I need? is a common question we get asked. The answer is: It depends.

Insurance policies are as diverse as your business and depend on many factors such as, your business structure, your industry, the service or products you provide and whether you have employees, to name a few.

You’ve worked hard to get your business where it is today. So naturally, you’ll want to protect your assets and investment. It pays to take time to carefully consider your needs.

Depending on your requirements, you may need:

• public liability insurance
• professional indemnity insurance
• workers’ compensation insurance
• commercial insurance
• cyber insurance
• business interruption

Just like each business is different, so too are insurance policies. We’ll help you unravel the complexities and advise on how to evaluate your risks to get the cover you need.

Liability insurance protects you and your business from financial loss due to legal claims or actions against you. It covers damages and costs associated with bodily injury, property damage, or other liabilities arising from your actions while conducting your business.

Liability insurance includes:

• public liability
• product liability
• professional indemnity
• directors and officers liability

Property insurance is a vital tool for protecting your valuable assets — whether it’s your commercial property, your business contents and stock we can cater for all types of business. From retail, manufacturing and wholesale. We’ll discuss with you through the ins and outs of your risks insurance so you can make an informed decision.

Some things we’ll discuss are:

• coverage types
• policy exclusions
• valuation and replacement costs
• premiums and excess amounts
• policy limits

Then we’ll source the best policy to protect your assets, so you’ll have peace of mind knowing you’re fully covered in the event of a claim.

Owning and managing a farm brings it’s own unique challenges. Managing risk is a daily occurrence. With thousands of dollars invested in equipment, machinery, property and livestock, you want to ensure you’re properly protected. Or maybe you just like the rural lifestyle.

The right coverage starts with a conversation. We’ll meet with you to get an understanding of your farm – no hard sell, no jargon filled sales pitch. Just us sitting with you to understand your needs. We’ll then look at the best policies to mitigate your risks and provide financial security in the ever-changing rural landscape.

Whether you’re an electrician, plumber, carpenter, plasterer, landscaper or anything in between, there’s lots to think about as a tradie. You’re not just a master of the tools; you need to be business savvy too.

As careful as you are, unfortunately, things can go wrong. While you hope it never does, knowing you’re covered provides peace of mind. We’ll advise you on the best policy to ensure you’re covered, whether due to your own action, the theft or damage to your tools, machinery or vehicle.