Types of Business Insurance....
Before choosing an insurance policy you will need to evaluate your business’s insurance needs. Your insurance requirements vary considerably depending on the type of business you operate.
For advice, call Blackburn (Insurance Brokers)Pty.Ltd. 1300 881 779
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- Business Insurance
- Medical Practices
- Newsagents Insurance
- Tradesman's Insurance
- Builders Insurance
Assets and Revenue Insurance
To protect your assets & revenue-generating capacity, here are some of the types of insurance available:
Building and contents
Covers the building, contents & stock of your business against fire & other perils such as earthquake, lightning, storms, impact, malicious damage & explosion.
Burglary
Insures your business assets against burglary, and is most important for retailers or a business which maintains an unattended premises.
Business interruption or loss of profits
Covers you if your business is interrupted through damage to property by fire or other insured perils. Ensures your ongoing expenses are met and anticipated net profit is maintained through a provision of cash flow.
Fidelity guarantee
Covers losses resulting from misappropriation by employees who embezzle or steal.
Machinery breakdown
Protects your business when mechanical and electrical plant and machinery at the work site break down.
Motor vehicle
It is compulsory to insure all company or business vehicles for third party injury liability. Many different types of policies are available, so make sure you understand the options before making a decision.
People Insurance
Insurance cover for you and your employees:
Workers Compensation
It is compulsory to provide workers compensation insurance for your employees.
Personal accident and illness
If you are self employed you won’t be covered by workers compensation, so you need to cover yourself for accident and sickness insurance.
Life insurance risks
* Income protection or disability insurance - covers part of your normal income if you are prevented from working through sickness or accident.
* Trauma insurance - provides a lump sum when you are diagnosed with one of several specified life threatening illnesses.
* Term life insurance or whole of life cover - provides your dependents with a lump sum if you die.
* Total and permanent disability insurance - provides a lump sum only if you are totally and permanently disabled before retirement.
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