Business Insurance in Toowoomba 

Small Business coverage Toowoomba 

Toowoomba is home to more than 17,600 small business¹, if you are one of these small business owners, business insurance may be something you have thought about to help your business thrive. 

Like many small business owners, they each have a responsibility to take reasonable steps for the safety of their customers, suppliers and the community and for their property.  

Types of cover

Public Liability 

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities. 

Professional Indemnity

Professional Indemnity (PI) insurance offers protection for businesses that provide specialist services or professional advice. It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy. 

Cyber Liability 

Cyber Liability insurance is a type of business insurance product which protects your business against both the legal costs and expenses (including compensation payments) related to cybercrime incidents. Your coverage may generally include cover for expenses and legal costs relating to the following:  

• Data breaches 
• Theft or loss of client information  
• Business interruption costs  
• Forensic investigation  
• Data recovery  
• Extortion  
• Fines and penalties  
• Crisis management costs (to restore your businesses reputation after an attack or data breach)  
• Legal costs from any ensuing civil action taken against you or your company 

Business Insurance

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.