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Business Insurance

Business insurance packages are specifically designed to cover the major exposures that your business.

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What is Business Insurance?

Business insurance is essential in protecting your business. A business insurance package is specifically designed to cover the major exposures that your business might face during its day-to-day operations. Business insurance is a customisable package therefore allowing flexibility in the types and level of cover selected.

Who needs it?

All businesses have risks and exposures. No matter how small or remote a perceived risk may be, the consequences of not having adequate cover in place can be substantial. Business insurance packages can benefit all types of business owners, no matter what type of industry they are in. Safeguard Insurance Solutions can assist in tailoring a business package to specifically meet the objectives and financial situation of your business.

Insurance benefits

What does it cover?

Business insurance packs can offer general protection for a business which may include cover against:

  • Property damage

    covers damage to buildings, contents and stock caused by fire, natural disaster and accidental damage.

  • Business interruption

    the interruption to your trade following an event can sometimes have more serious financial impact to your business than the initial event. This cover can bridge the shortfall in your gross profit caused by the interruption.

  • Theft and money

    covers the business for theft of contents/stock as well as money.

  • Glass

    this covers the breakage of internal and external glass and can include signage.

  • Public and products liability

    this covers legal liability to pay compensation for personal injury or property damage, as well as the costs of defending a claim.

  • Theft and money

    covers the business for theft of contents/stock as well as money.

  • Transit

    for stock that is in transit on the road in the air or by sea.

  • Electronic equipment breakdown

    for repairing or replacing electronic equipment that breaks down.

  • Machinery breakdown

    Cover for costs associated with machinery breakdown.

  • General property

    cover to look after property which is moved around. It can include tools and other professional equipment but excludes stock.

  • Tax audit

    Should your business receive notification from the Australian Tax Office to conduct an audit or investigation into your liability to pay tax, this insurance can help cover costs incurred by your accountant or registered tax agent.

  • Employee dishonesty

    direct financial loss of the business caused by the dishonest or fraudulent conduct of an employee which is first discovered during the period of insurance.

Business Insurance Package

What is excluded?

As with all policies there are exclusions, and there is usually an excess on cover. With extensive experience in placing business insurance you can trust us to find the right cover for you business - big or small. Call us today to design your bespoke business package, or to review the relevant product disclosure statements of the different covers available.

Specialist classes of insurance - the business packs do not offer professional indemnity cover for those providing advice or workers compensation cover for employees. Safeguard Insurance is able to advise on what additional polices are needed.

Business Insurance

Other business insurance solutions

Business Insurance Package

Contract Works Insurnace

Cyber Insurance

Farm Insurance

Management Liability

Marine Cargo Insurance

Marine Hull Insurance

Professional Indemnity

Public Liability Insurance

Worker's Compensation

Why Choose

Reasons for people choosing Safeguard Insurance

50+ years
Australia Wide Service
Easy claims process
Expert Advice