Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... your business and your bottom line. Whilst you've got the insurance ... ... limited resources it's hard to plan for everything. Here are some of the most common BizCover Business Insurance customer claims, and tips on how to prevent them. Theft Theft is unfortunately common for small ...

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7 Surprising ways business insurance can help your company

Operating your own business often means wearing many hats ... making important decisions about your business every day. From managing the ... thought ... looking after your staff and everything else in between there is a lot to think about. While the thought of sorting out your business insurance may feel like an overwhelming task, it is a one of the vital areas of your ...

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Dishing up the facts on food business insurance

... whether you have the right business insurance. When it comes to insuring ... your small food business, sometimes it can feel like ... ... theft. It can also provide cover against any financial loss resulting from an insured interruption to the business. Business Insurance offers a range of cover options to choose from, allowing you to tailor a policy to ...

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Business Insurance Guide for the Self-Employed - Part 3

... print in the world of business insurance, it can feel like you ... , comprehensive guide on all things Business Insurance for the self-employed. In ... Austral ian Tax Office (ATO) requesting an audit is enough to make you panic. Tax Audit Insurance covers a business for specified costs if the ATO selects it for auditing. The policy covers the costs of ...

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Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... minutes. If you run a business, it is absolutely essential that ... yourself and your assets with business insurance. However, figuring out exactly ... want to waste money on coverage you don't need.  In the past, the best way to find business insurance was to talk to people in your industry and ask for a recommendation of a broker familiar with ...

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iSelect partners with BizCover to launch business insurance comparison

... has expanded their general insurance offering to include business insurance, through a partnership ... BizCover, Australia's leading small business ... company was thrilled to be partnering with BizCover to assist it in focusing on the SME business market. “Business insurance, like many of iSelect's other verticals, is a very complicated but important product. We know ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... 've created a guide to business insurance for the self-employed that ... and ... we've made it our mission to make it a bit easier . We've created a guide to business insurance for the self-employed that profil es the main types of cover to consider and how it can protect ...

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Business Insurance Guide for the Self-Employed - Part 1

... plans for success. Any solid business plan should have a focus ... strategies and protection for your business for the long haul. From ... , there ... incurred to defend the insured if the matter became litigated could exceed $25,000. If you need to sort out your business insurance or find out more, get in touch with the friendly BizCover team to experience ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... most risks that a small business faces? Have ... to make themselves welcome. Glass cover is often an option that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement by your landlord. It not only covers repair or ...

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Business Insurance Guide for the Self-Employed - Part 4

... final piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share .. ... Give us a call or jump online to discover a variety of business insurance options to help protect your business. At BizCover we're all about making insurance easy and hassle-free, providing multiple quotes from some of ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump ... quotes and buy the insurance that suits your business ... small price to pay even if it is unlikely you will have a million dollar claim. However your business insurance may cover personal items If you have cover for theft and there is a break in to your office ...

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Small Business Insurance Index

... strong price increases in the business insurance market, SMEs are continuing to ... in the cost of business insurance, the BizCover SME Insurance ... market at large has seen an increase in the cost of business insurance , the BizCover SME Insurance Price Index shows that overall pricing for SME insurance has remained flat over the last year. The BizCover index is ...

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase ... insurers will be able to continue to further push premium rates up. It is a great time to be a buyer of insurance and if businesses are willing to obtain multiple quotes it is likely they could still save on their ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... Quarterly BizCover Small Business Insurance Price Index has shown insurance ... holding on to pricing gains made last quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown insurance rates dropping back two points. Despite this drop, some insurers have managed ...

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A Mumpreneurs Guide to Understanding Business Insurance

... parenthood while running your own business is anything but an easy ... ... expert advice on marketing strategies or have the best smelling candle stand at the local markets, business insurance is something all businesses need to think about. So pour yourself a tea or coffee, turn off Zoom and ...

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6 Areas You May Not Have Thought Business Insurance Covers

... 's vital to protect your business assets and revenue against potential ... risks that may impact your business, such as fire, storms, theft ... accidental ... , but your payout could be less than you think. As with all the other cover options offered through Business Insurance if you make a claim on an underinsured building, (perhaps you were hoping to saving on some premium ...

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5 Reasons To Review Your Business Insurance This Christmas

... stressful!) time for many small businesses. Come December the big Christmas ... ... or manufacturing, chances are at this time of year you are carrying increased stock levels. Do you have Business Insurance to cover your stock and contents from theft or damage? And if you do have you considered whether ...

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The Easter Bunny's Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... 's factory broke down or the refrigerators that the eggs are stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover for machinery breakdown and the deterioration of stock, covering ...

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The Reality of Retail- Real Life Claims and How Business Insurance can Help

The world of retail is fast-paced and varied, with no two days ever the same. With so much going on, it also creates a recipe of risks and opportunities for things to ... between, no matter how much care you take, accidents and incidents can still happen-and that’s where business insurance comes into play. It provides peace of mind and protection during those times when you need it most ...

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Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you're like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... plan for you we can help you with tips on getting the best value on your business insurance . Cover yourself up! Check your insurance cover levels to see whether you have the right levels of cover. First let's ...

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The Risky Business of Insurance

... Costs to Australian Small Business? Small business owners tend to be ... and future planning. Managing business risk and ensuring that a . ... that 70% of these affected by a major event never recover. So how does a small business owner make savvy insurance decisions? Define “must haves” It's important to distinguish between 'must have' and 'nice to ...

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Triumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'

... .com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte ... her new personal fitness training business, focused on seniors, and ... BizCover partners with leading insurers to provide cover for over 2000 occupations and have taken the hassle out of buying insurance for more than 25,000 businesses so far. They are supporters of a range of other small ...

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How to Kickstart Your Best Year in Business

... great time to get your business ready for a successful year ... ... away. They can help put you on the right path when it comes to sorting out your business insurance. A few small changes to your small business can have a big impact. It's all about working smarter, not harder, so go on ...

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Insurance for Furniture Manufacturers

... When you run your own business, there is a lot ... wrong. This is where business insurance comes into play and should ... business' risk management ... things don't go to plan and for when you need it most. Some of the types of Business Insurance coverages available include: Contents and stock* - Cover for loss of or damage to items such as ...

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Insurance for Civil Engineers- what you need to know

... think about what kinds of business insurance coverage you may need to ... ... . Allegation of professional negligence are typically excluded from cover. Business Insurance Business Insurance can provide cover for your business assets* including its premises, contents, stock and in the ...

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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one ... assets is Small Business Insurance. But what kind of insurance do you actually ... it ... there's no denying one the most important things you need to protect your assets is Small Business Insurance. But what kind of insurance do you actually need? There's no 'one-size-fits-all' when it comes to insuring a ...

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What are some types of insurance available for small businesses?

... important consideration is getting your business insurance sorted. There are many kinds ... to getting your insurance sorted because no two businesses ... . There isn't a 'one-size-fits-all' policy when it comes to getting your insurance sorted because no two businesses are the same. For example, an accountant is going to be exposed to different risks th ...

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Understanding Insurance for Interior Designers

... is where having the right business insurance in place is vital. Let ... ins and outs of how business insurance can protect your interior design ... you create the best designs for your clients so it makes sense to insure them. Contents insurance c overs your business contents or stock if they were damaged in a fire, storm or due to malicious damage ...

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Understanding Insurance for Retailers

... wrong, and that's where business insurance can help save the day ... ... industry is one which is exposed to many potential risks for things to go wrong, and that's where business insurance can help save the day. Whether you're selling the finest frocks in town or an emporium of ...

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Understanding Insurance for Mortgage Brokers

... with the appropriate types of business insurance. [] ... 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 a ...

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Understanding Insurance for Graphic Designers

... plan, that's when your business insurance comes into play. We've ... ... you delivering on projects . W hen things don't go to plan, that's when your business insurance comes into play. We've put this simple guide together to help graphic designers get a better understanding ...

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Public Liability Insurance for Cabinet Makers

... up your tools. Protecting your business against unplanned challenges, like an ... with the right kind of business insurances in place. Regardless ... claim, should be considered as part of your risk management plan and can be done easily with the right kind of business insurances in place. Regardless if you are self-employed, a sole trader or a contractor, there are ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... up a new business or have been in business for a while ... and looking to buy insurance ... is right? How much cover is enough? Whether you're opening up a new business or have been in business for a while and looking to buy insurance for the first time; there are a few questions you can ask yourself upfront ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... -edge online insurance model that connects independent professionals and small businesses to ... critical Professional Liability (E&O) insurance ... (annual revenues under 2.5 million dollars) have not had many alternatives when it came to buying business insurance. BizInsure has entered this space to satisfy the needs of this important and growing market; small ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... damage to property or the general public can occur. Business Insurance To protect your office or place of business from damage or loss, Business Insurance for land surveyors is another smart policy to consider ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a general review of your business, it's worth taking time ... your insurance to ensure that if the ... ‘being unable to trade’ as one of their top concerns, claim not to have Business Interruption Insurance. (Vero SME Insurance Index,2016) 3. Do I have enough cover to safeguard against a major event ...

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Understanding Insurance for Real Estate Agents

... kinds of insurance you may require to keep your business [] ... ... of the public is injured or sustains property damage as a result of your negligent business activities. Business Insurance * There are a variety of different types of cover options available in a ...

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Top 5 tips for tradies starting their own business

Launching your own business is both an exciting and ... about starting your own tradie business is that you will always ... ... before you even consider picking up your tools and heading on site, it's important to get your business insurance sorted. Not only will it provide you peace of mind , it will also give protection against ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... to protect your business. Let us centre your insurance chakra by exploring ... possible. Despite your best effort things don't always go to plan and you may need to have insurance to protect your business! Teaching yoga brings with it a whole host of benefits as well as having the flexibility to ...

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The bricks and mortar of building insurance cover- what you need to know

Your business property is like your home ... . Whether you're in the business of providing expert advice to ... ... to be complex or difficult to understand and should be of the foundations (pun intended!) to your small business insurance plan. It provides peace of mind, protecting one of your most vital assets. You can find out more ...

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BizCover SME Insurance Price Index Q1 FY20

... reductions on their Public Liability insurance, while prices have remained steady ... ... , Co Founder and CEO of BizCover, sees no immediate changes for SMEs when it comes to their business insurance, commenting “While costs may be rising for Australian's across other essential utilities and services, it's ...

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Professional Indemnity Insurance for Civil Engineers

... Professional Indemnity insurance to protect* you and your business from [] ... ... to insuring civil engineers, there's no one size fits all insurance solution because every business is different and no two businesses are the same. Each business has its own unique needs which depend on a variety of ...

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7 ways to improve your tradie business' productivity

... . There are plenty of tradie businesses out there and it's ... the success of your tradie business. Get inspired with our top ... ... just some examples of the type o f scenarios where a claim can happen. Sorting out your business insurance means you can rest easy knowing that your back pocket and reputation have form of protection in place ...

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7 Questions to Ask Before You Start a Business

... deciding to start your own business is a courageous step, bringing ... the idea of starting a business, we've got 7 questions ... want to start ... it's time to look at how you are going to protect your business with business insurance. There are many different types of business insurance products available , however not all of them are going to be ...

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Top Tricks To Help Improve Your Business' Risk Management

When you run your own business the last thing you want ... risks that could threaten your business' future. With so many areas ... of the business ... owners need to keep in mind. 2. Review your business insurance* As a small business owner, you already know the importance of having business insurance , but when was the last time you really sat down ...

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6 Common Risks That Small Business Owners Face When Starting Out

Stating your own business is a big step, full ... is a lot of small businesses don't make it and ... dangers involved with starting a business ... for good. Here are some things to keep in mind when sorting out your business insurance: Identify the potential risks to your business and only get the cover you need . T here are plenty of policies ...

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Protecting your Business from Cyber Risks - Part 2

... business from a cyberattack. We also explain what Cyber Liability insurance ... it as part of your business security plan. Tips to stay . ... us a call or jump online to discover a variety of business insurance options to help protect your business. At BizCover , we're all about making insurance easy and hassle-free, providing multiple quotes from some of ...

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Additional Cover for Professional Indemnity Insurance

... certificates of insurance - it's just part of the business. Hish ... Mines, a busy IT consulting business providing information management ... , it is vulnerable to costly legal action. PI Insurance protects small businesses from this type of action. Unlike Hish, Lynn ... like Hish and Lynn can get on with business without the fear of losing everything to a ...

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How to set up a business in 2021

... start setting up your own business. While both an exciting and ... crucial stages to starting any business. Think of it as an ... ... sorted You’ve worked hard to set up and start your own business, so it makes sense to have business insurance in place to protect it. Every business is different, so there isn’t a blanket cover that protects all ...

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Protect your business with Statutory Liability Cover

... different types of insurance policies available to small businesses to protect against ... . However, many business owners are unaware that ... legislation, including occupational health and safety laws, which can be purchased as optional cover with your Business Insurance . In this post, we will explore the facts, benefits and features of Statutory Liability ...

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Is your Small Business Summer Proof?

... challenges and risks every small business should be aware of. Complete ... ... to the loss of stock from the breakdown of a freezer. Machinery Breakdown can be covered under a Business Insurance pack; this will cover the repair or replacement of the machinery. Deterioration of Stock in most cases ...

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A roadmap to staying in business for the long haul: Part 2

... to becoming a successful small business owner is one of twists ... to help you stay in business for the long run. Strap ... ... of whether you are a mechanic or an architect, curveballs can be thrown in the way. Having business insurance in place to protect your business from unexpected challenges is a wise move and one that can help save your ...

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The Art of Being a Creative Small Business

... you're running your own business as a small team or ... and many more. Any small business owner [] ... you couldn't afford to be without. Some of the different examples of when you may need business insurance as a creative professional include i f you are an artist out and about, protecting your portable ...

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Lifestyle Tradie Group trades up; next Small Business Buddy Winner

... latest $2000 Small Business Buddy Wish from BizCover Insurance. Mona Vale, May ... winners of BizCover's Small Business Buddy Wishes, with ... wish granted! Our productivity will improve overnight”. The Small Business Buddy Wishes grant is an initiative of BizCover, an online Business Insurance service that has partnered with Australia's leading insurers to ...

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5 Common Beauty Insurance Claims

... a devastating effect on your business. We take a look at ... ... on the wall collapsed and subsequently damaged the products she had displayed on it. “Thankfully my Business Insurance policy included building and contents cover”, says Sarah. She lodged a claim along with a quotation ...

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What are the common types of sole trader businesses in Australia?

... a lot in the small business world and can sometimes cause ... confusion with what type of business set up it is relating ... common types of sole ... important to consider protecting your business with the appropriate kinds of insurance to suit your business' needs. At BizCover we offer a range of business insurance solutions for a variety of professions ...

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8 Small Business Start-up Ideas for 2021

... considering starting up your own business in 2021, take a moment ... to think how your business can thrive in this 'new ... products and services ... type of start-up that can be tailored to suit your own business' needs. For some this may involve a work from home set ... small businesses come in all shapes and sizes and want to make your business insurance experience as ...

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7 Ways to Spring Clean Your Business

... perfect time to revive your business. Whether it's learning a ... an overhaul, spring cleaning your business is an opportunity to refresh ... to ... right areas and ultimately increases business. Review your insurance As your business grows and changes , so do your insurance needs. Revisi ti ng your business insurance policies is something for ...

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The Business of Love: Small Business Couples Tell All - Part 2

... of what running a small business together is really like. From ... on what jumping into the business bed together is like. Mums ... ... ? Have you and your partner been dreaming of starting a business together? At BizCover we provide a range of different business insurance policies for over 6000 different types of occupations, from photographers ...

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The Best Thing Dad Told Me About Business

... best bits of advice small business owners have been given by ... it comes to running a business and putting their best foot ... ... advice when it comes to managing your small business, just like making sure you have the right business insurance in place to protect it. At BizCover, experience insurance made easy with access to Instant and competitive ...

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10 small businesses share what they love about their small business

... love most about their small business. From the challenges to the ... Encore Admin Consulting (virtual assistant business) For Korryn, it is the ... asked them what they love most about their small business. From the challenges to the flexibility, and everything ... about your small business, and if you're looking to fall in love with a business insurance provider that ...

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10 Tools Every Small Business Should Gift Themselves This Christmas

... you are running a small business you have to be many ... can help you manage your business more effectively. Here are our ... ... you work or even live your day to day life. BizCover is Australia's No. 1 online business insurance, where you can compare multiple quotes from Leading Insurers online in minutes, purchase your policy online and ...

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Latest Small Business Buddy Winner: Evermore Memories

MEMORY MAKING BUSINESS GETS A MEMORABLE PRIZE. ... of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a ... new unique business ... attention of BizCover when the entry came in for the Small Business Buddy grant program for a camera. BizCover, Australia's leading online business insurance service, started the $2000 monthly grant as a way to give ...

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A Guide to PI Insurance

... is to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity). ... Professional ... in under 2 minutes , and purchase in only a couple more. BizCover also allows business professionals to compare policies from leading insurance providers ( AIG , Dual and Vero ) to make sure that you're getting the ...

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The difference between Public Liability and Professional Indemnity insurance

... the most common types of business insurance, but do you really know ... protect your business. What is Public Liability insurance*? Public ... Many public liability policies also provide cover for product liability . Product Liability insurance* protects your business against claims by third parties relating to property damage or personal injury ...

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Cyber Insurance: Is it worth it?

Many businesses think their business is too small to attract ... are on the lookout for businesses of any size with valuable ... sell on the ... (and less expensive), the threat of a cyber incidents means all businesses need a security plan to protect their business and they should consider a Cyber Insurance policy as an essential part of this plan.

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Steady as she goes - still no increases in Insurance Premiums!

... that the market for small business insurance continues to benefit from stability ... in insurance prices, with little movement in ... of the few ... continued competition, as well as capacity in the market. This has been the case across all insurance classes for small business, all of them seeing little change over the quarter, once again. As forecast in the last ...

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Insurance Premiums for Retailers Continue to Climb

... Climb The latest BizCover Small Business Insurance Price Index has been released ... showing an increase in small business insurance rates, with ... and similar to quarter 2 of last financial year, the index is showing an increase in small business insurance rates, with the index rising 3 points over last quarter. This increase however is not universal. Graph ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... down the price ... market over the last few years has helped drive down the price of professional/business insurance for Australian SMEs. Since the start of FY 2012/13 SMEs have benefited by a drop in rates of 24 basis points. The ...

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Small Business Continues to Win on Insurance Prices!

... , prices remain flat for small business. Recent financial results from the ... increase; however the BizCover Small Business Insurance Price Index ... all indicate that the industry is long overdue for a price increase; however the BizCover Small Business Insurance Price Index for the first quarter of the financial year indicates that insurers have not been able ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or ... your business' activities. Failure in obtaining public liability insurance ... In the circumstances that the business did not have public liability insurance and are found at fault, ... that of an office environment. Even as a small business, the products you sell and the facilities you maintain ...

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5 Tips for getting the best Public Liability insurance for your business

... a sole trader or small business owner, there's no doubt ... protecting your business and your customers with Public Liability insurance. It ... can compare the premiums and the policy features. There are many options for small business owners when it comes to shopping and choosing insurance policies. Gone are the days of having to ring around and wait for days ...

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BizCover SME Insurance Price Index Q2 FY20

... businesses with simple insurance needs are using BizCover for their insurance, while smaller businesses ... this quarter. The BizCover ... that began 12 months ago. The increase can be attributed to more demand for Business Contents insurance particularly from businesses with an annual turnover greater than $400,000. Cover for contents in the Trades ...

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Professional Indemnity Insurance for Consultants

... number of people that start businesses, in Australia have been experiencing ... a steady growth in business for the past few years ... idea of starting ... you may have had to put out initially. This type of insurance is usually offered as a part of a business's insurance policy. The cover will form the center of your insurance coverage and you will usually be able to add ...

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How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... load and the number of people you employ. While growing your business is exciting and a good sign of how well things are ... of almost 5,000 BizCover customers with PI insurance during the 2016/17 financial year, the average ...

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Cyber Liability Insurance: the safety net small businesses need

... Australia and especially to small businesses. The reality is, no small ... ... are vulnerable to breaches. By implementing a few basic preventative measures and robust Cyber Liability insurance, small business' are ensuring they are able to survive cyber-attacks, now and in the future. BizCover ...

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Grow Your Plumbing Business with These 5 Marketing Tips

... new customers and grow your business. It's a competitive industry ... customers and grow your plumbing business without having to be an ... ... accountings, takes time, money and effort. That's why it's important to ensure you have the right business insurances in place to protect it against un planned challenges. At BizCover we offer a range of ...

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How Does Professional Indemnity Insurance Benefit You?

... advisable that you have professional insurance, which can also be referred ... to as professional indemnity insurance. Professionals are expected ... lawsuits, which can be filed against them by their clients. It is advisable that you have general business insurance in order to protect you from financial losses caused by property damage or bodily injury. In addition ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

... worked hard to build your business, so it makes sense to ... Professional Indemnity and Public Liability insurance. #1 Protection against claims ... worked hard to build your business, so it makes sense to protect it. Below are the top 5 reasons NHAA members should hold and maintain Professional Indemnity and Public Liability insurance . #1 Protection against ...

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Protecting your Business from Cyber Risks - Part 1

... and infiltrate most types of businesses. In Part 1 of our ... ... today through BizCover. We offer a range of business insurance options to suit your business needs, including Cyber Liability insurance * . Cyber Liability insurance *   is designed to help protect you ...

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Business Horror Stories

Running a business can be a wonderful rewarding ... think. 1 in 5 Australian businesses are the victims of a ... ... In this case, the restaurant was covered and the crime section of their policy covered them. Business Insurance cover options such as Management Liability and Cyber Liability are little known but have the potential to ...

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New Sapphire Coast business gets a $2000 head start

New Sapphire Coast business gets a $2000 head start ... ... Riley be announced as a finalist and then winner of the grant. BizCover, the owner of this grant program, is Australia's top online business insurance service and started the program as a way to give back to the Small ...

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The business of Business Insurance*

Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and effort into building your business. Don’t risk wasting all this effort by not protecting your business assets from unexpected events. No matter how much you plan and prepare for things, sometimes there are circumstances that are out of your control – you need to ensure you have a plan to protect your business today to ensure you’ll be in business tomorrow.

Business Insurance can provide financial cover for your business, including the premises and contents, against loss, damage or theft as well as cover against any resulting financial loss from an insured interruption to the business. The type of cover and amount will depend on the nature of your business and what areas you think you are the riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party get injured or suffer property damage whilst you are doing business.

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What is included?

A) Material damage loss for your physical assets

B) Financial loss due to Business Interruption

Choose cover options below!

What is typically NOT covered?

  • Negligence/breach of duty arising from an act, error or omission as a result of your professional services
  • Flood damage is generally excluded from standard policies
  • Known claims and circumstances

Download Business Insurance Fact Sheet

Link to Business Insurance Factsheet

Get the cover that is right for you

Your business may be considered ‘small’ but it’s big to you and big to us. That’s why we want to make sure you have the right protection. We offer various cover options to suit a variety of businesses.  Take a few minutes to consider some of the following risk areas and think about which ones impact you and how much cover your business would need should things not quite go to plan.

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general only and should not be relied upon as advice.