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Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.
According to the Australian Bureau of Statistics,1 there are 13 548 small businesses in Cairns, with 1948 additional new businesses registered in 2018 alone.
The main employing industry is Healthcare and Social Assistance, employing 14.4% of the population, followed by Retail Trade, which employs 10.6% of the population, and Construction, which employs 8.1% of the population.
The sector with the largest amount of registered businesses is Construction, with 5562 businesses registered. This is followed by Rental, Hiring and Real estate services, which has 1630 registered businesses, and Professional Scientific and Technical Services, which has 1393 registered businesses.
Like all small business owners, they each have are responsible for taking reasonable steps for the safety of their customers, suppliers and the community and for their property.
“George was just very pleasant to deal with taking time to go over the options and explained details I didn’t quite understand. Just took the hassle out of the experience. Professional.”
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On average, small businesses in Cairns pay around $73.93** a month for a Business insurance package.
Business insurance is one of the most popular types of insurance for small businesses in Cairns. In fact, it is arguably important for almost every kind of business, from those that operate in the trades and service industries, to businesses that are predominantly office-based, such as consultancy occupations.
Given the various industries and occupations business insurance can cover, the cost of it can vary greatly. This is due to several factors including: