Online Business Insurance Broker

Business Insurance

Pick the right Business Insurance package

Choosing the right business insurance to cover your small to medium business can be daunting without the right brokers by your side. Online Business Insurance Brokers will offer you at least 10 business insurance quotes within 24 hours, help you choose the right deal for your business with tailored advice and ALL of our business insurance options can be paid monthly AT NO EXTRA COST!

Business Insurance Package: The right way to
protect your business

Safeguarding your business against loss from possible damage, theft and liability exposure is the best 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.

Property Damage

​If you have property at your place of business, and you want to protect it from damage such as fire, water damage, flood, impact damage or other perils, then you can insure it under the Property Damage Section. Cover does not include theft.

The Property Damage Insurance can cover:

Business Interruption

​If your business is interrupted following damage at your premises, this section can cover your lost Gross Profit, or Gross Rent and/or Additional increased costs.

The Business Interruption section can cover:

Property Damage

​If your business has property at your place of business, and you want to protect it from damage such as fire, water damage, flood, impact damage or other perils, then you can insure it under the Property Damage Section. Cover does not include theft.

The Property Damage Insurance can cover:

Theft

This section covers the contents and/or stock inside your office or business premises in the event of a theft.

The items covered in this package can include:

Money

Break-ins, hold-ups or theft of money when a staff member is not watching are pretty unfortunate incidents. The money section covers theft of money and negotiables by third parties from the business premises. The insurance also covers money in transit to and from the bank or home; it covers the money at your home if you decide to take it away from the business premises.

Covers available:

Money

Break-ins, hold-ups or theft of money when a staff member is not watching are pretty unfortunate incidents. The money insurance package covers theft of money and negotiables by third parties from the business premises. The insurance also covers going to and from the bank or home; it covers the money at your home if you decide to take it away from the business premises.

Covers available:

Glass

If you’re looking to cover external glass (exterior windows etc) or internal glass (any glass inside including ceramic basins and cisterns) or both at your business premises, this additional cover can greatly benefit your business.

Many commercial lease agreements also require businesses to insure for Glass even though they do not own the premises.

Additional benefits can include cover for signwriting and signs.

General Property

This section insures the portable items you use in your business from accidental damage, theft, impact, water damage and damage during a vehicle collision. Whether items are at your premises, in your vehicle, at home or at the worksite – cover can be provided.

This can include cover for items such as:

General Property

The insurance package insures the portable items you use in your business from accidental damage, theft, impact, water damage and damage during a vehicle collision. Whether items are at your premises, in your vehicle, at home or at the worksite – cover can be provided.

This can include cover for items such as:

Public Liability

Public liability insurance helps protect your business from the financial risk of liability claims – helping you trade with confidence.

Public liability insurance isn’t compulsory, but is recommended. Accidents are unpredictable and costs of being sued can be extremely high.

Public liability insurance helps protect your legal liability to third parties, including clients, customers and the public for injury or damage to their property, caused by the business. It can even cover emotional distress or shock that your business causes another person.

Breakdown Sections: Machinery & Electronic Equipment

When essential equipment and machinery breaks down it can disrupt your production supply chain. This section will normally exclude Property Damage risks but includes cover for:

Deterioration of stock cover is a particularly important element for businesses which have a significant value of temperature controlled product or raw materials.

It should be noted that the breakdown cover is not intended as a maintenance cover and should instead be seen as a complement to a well-functioning risk management program

Breakdown Sections: Machinery & Electronic Equipment

When essential equipment and machinery breaks down it can disrupt your production supply chain. This policy will normally excludes Property Damage risks but includes cover for:

Deterioration of stock cover is a particularly important element for businesses which have a significant value of temperature controlled product or raw materials.

It should be noted that the breakdown cover is not intended as a maintenance cover and should instead be seen as a complement to a well-functioning risk management program

Tax Audit

When being audited by a Commonwealth, State or Territory department, or by the ATO, the accountant’s fees can be exorbitant. Getting a tax audit policy to cover the cost of such professional fees might be a good idea. It’s a great way to stay on top of the audit process while continuing business as usual.

Employee Dishonsty

This section, also called ‘fidelity’, provides cover for your business in the event when an employee steals or obtains money or negotiables. It is important to note that the Money Section does not cover theft by employees.

This can include cover for items such as:

Employee Dishonsty

This policy, also called ‘fidelity’, provides cover for your business in the event when an employee steals or obtains money or negotiables. It is important to note that the Money Section does not cover theft by employees.

This can include cover for items such as:

Business Insurance outside of a Package

Here are some other business insurance options that aren’t bundled in a package.

These include:

  • Professional Indemnity – Anyone can make a mistake – but if your business is found liable for negligence, the costs can be financially devastating.This policy can save you from a lot of grief if your business is ever in such a jam.
  • Contract Works – This is a crucial cover for commercial, industrial and domestic builders, sub-contractors, and owner-builders against damage, natural disasters, injury, theft and product or public liability.
  • 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.

Our experienced brokers at Online Business Insurance Brokers work with you to understand your business needs and guide you towards the right solutions.

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.

Here are some of the insurers we size up on your behalf

Call us

We love getting calls, its quicker, easier and we can get all the right information to get you accurate quotes immediately.

Upload / Form

Click here to upload a copy of your current schedule, or complete the form if you don’t have a current schedule

SMS

Simply click the relevant box to SMS scans or photos of
your current schedules

Email

Simply click the relevant box to Email scans or photos of
your current schedules

Pin It on Pinterest

Share This
Scroll to Top