BUSINESS INSURANCE

Pick the right business insurance package

Choosing the right business insurance shouldn't be daunting. We'll get you at least 10 tailored quotes within 24 hours and help you choose the right deal with expert advice. All of our business insurance options can be paid monthly at no extra cost!

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The right way to protect your business

Safeguarding your business against loss from possible damage, theft and liability exposure is a great way to achieve peace of mind as a small and medium-sized business owner.

Business insurance packages cover your business against the most frequent types of losses such as damage to property due to flood or fire; theft of equipment, stock or machinery; money loss; glass damage; general property loss & public and products liability claims.

At Online Business Insurance Brokers, we sweat the details to understand your business and its unique needs. We ask questions, listen carefully and provide careful suggestions so you can choose the right business insurance package.

Below is a general overview and we are standing by to help you navigate through the available sections and advise on what sections your business needs.

WHAT'S INCLUDED

What can be included in a package

Property Damage

Can cover buildings, fixtures & fittings, contents, stock, machinery and raw materials against fire, water damage, flood and impact. Does not include theft.

Business Interruption

If your business is interrupted following damage at your premises, you can cover lost gross profit or rent, additional increased cost of working, and claim preparation costs.

Money

Can cover theft of money and negotiables by third parties on business premises, in transit to and from the bank, or kept at your home.

Theft

Can cover contents, equipment, stock and machinery inside your business premises in the event of a theft.

General Property

Cover for portable items from accidental damage, theft, water damage and damage during a vehicle collision, at your premises, in your vehicle, at home or at the worksite.

Glass

Can cover external (exterior windows etc) and/or internal glass (any glass inside including ceramic basis and cisterns) at your business premises, plus signwriting and signs.

Public Liability

Protect against the financial risk of liability claims from clients, customers and the public. It can even cover emotional distress or shock that your business causes another person.

Machinery & Electronic Equipment Breakdowns

Covers breakdown of mechanical, electrical and pressure equipment, plus stock deterioration and boiler explosion.

Tax Audit

Covers accountant's fees when audited by a Commonwealth, State, Territory department or the ATO.

Employee Dishonesty

Also called "fidelity", cover loss when an employee steals or obtains money or negotiables, such as tools, professional equipment, stock and other portable items.

Insurance outside of a package

Here are some other business insurance options that aren’t bundled in a package. Our experienced brokers at Online Business Insurance Brokers work with you to understand your business needs and guide you towards the right solutions.

Management Liability

This insurance protects against the financial exposures that come with managing a company. Helping you defend, settle or pay compensation claims.

Cyber Insurance

This policy offers peace of mind and protection against cyber-attacks, such as computer hacking, ransomware or data theft.

Corporate Travel

Consider this policy if you or your employees regularly travel for work. This policy covers financial losses caused by overseas health emergencies, flight cancellations or lost and stolen baggage.

What isn't covered?

Like with most insurance, there are exclusions with business insurance. There are also often deductible and/or excesses and limits on cover, so please check with us so we can discuss the right policy for you.