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Many Australians enjoy being their own boss, which is why operating as a sole trader or being self employed can be so appealing. However, when things don’t go to plan, the impact on your business can be devastating. The expenses from an unplanned event can be costly, potentially destroying your finances and putting you out of business for good. That’s where having the right business insurance can be important, to help safeguard your business for the future against some of these unwanted events.
One of the key types of cover most sole traders and those who are self employed need to consider is Public Liability insurance. 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 are injured or sustain property damage as a result of your negligent business activities.
We can arrange tailored cover for over 6,000 occupations and growing. Here is a list of just some of them:
If your profession or occupation is not listed, just click here and you will be able to find your specific industry or occupation.
The type of insurance policies a sole trader or those who are self employed may require will vary according to the profession and the industry they operate in. For example, the insurance needs of a handyman are not likely to be the same as those of a real estate agent. Both operate with different risk exposures, like the nature of the job, the location and assets required to get the job done.
Some industries have mandatory insurance requirements, set either by law or by professional bodies and associations. This is common for sole traders who offer professional advice and services who are often required to hold a Professional Indemnity insurance policy*.
Whether you own your own business premises, work on site or have a mobile business, protecting your assets with Business Insurance* can provide added peace of mind for your business. Business Insurance can provide cover for your business assets including its premises, contents, stock and in the event of business interruptions.
|*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.|