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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, there are 11 601 small businesses in Townsville, with 1604 additional new business entries in 2018 alone.
The main employing industry is Healthcare and Social Assistance, employing 14.6% of the population. This is followed by Public Administration and Safety, employing 13.7% of the population, and Retail Trade, employing 9.9% of the population.
The sector with the largest amount of registered businesses is Construction, with 2378 businesses registered. The second largest sector is Rental, Hiring and Real Estate Services, with 1319 registered businesses, and Professional Scientific and Technical services, with 1178 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 was super impressed with how everything went with my claim. It was the first time I have had to make a claim and I was unsure how to proceed. I rang the call center and the operator clearly explained everything to me as well and sending an email to me with the necessary paperwork and reply email address. Once I recorded everything and sent away my claim, the turn-around time was good and claim approved. Very pleased with service.”
Scott M., Gardener
On average, small businesses in Townsville pay $91.55** per month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Wollongong. 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: