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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 15,626 small businesses in Toowoomba, with 1,880 additional new business entries in 2018 alone.
The main employing industry is Healthcare and Social Assistance, employing 14.8% of the population. This is followed by Education and Training, employing 11% of the population, and Retail Trade, employing 9.5% of the population.
The sector with the largest amount of registered businesses is Agriculture, Forestry and Fishing, with 3,378 businesses registered, followed by Construction with 2,553 registered businesses, and Rental, hiring and Real Estate Services with 1,632 registered businesses.
Like all 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.
“I have to give a special mention to Nina, she is wonderful. She was so patient with me on the phone. She also answered all of my questions and explained everything to me perfectly. Nice work Nina.”
Jessica O., Filmmaker
On average, small businesses in Toowoomba pay $60.97** per month for their business insurance packages. Business insurance is one of the most popular types of insurance for small businesses in Toowoomba. 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: