Business Insurance

business

Business Insurance

When you’ve put a lot of time and effort into building a business, you want to do everything you can to ensure its ongoing success. That’s why business insurance is so important.

A qualified and experienced professional from Amicus Insurance Services can provide advice to help tailor insurance which meets you and your businesses specific needs.

Public Liability Insurance

Public Liability Insurance protects you against the risk of someone being injured, or having their property damaged, as a result of your activities. It is generally appropriate for any type of business that deals with clients in person, either at your own premises or theirs.

Talk to us today about protecting yourself and your clients.

Business Insurance Packages

Business Insurance helps small to medium sized businesses protect their business premises and everything in it from damage or loss.

Cover options can include:

  • Fire and Other Damage Insurance to protect your building and its contents and stock
  • Burglary Insurance against theft of stock or other business equipment
  • General Property options to protect other items such as mobile phones and laptops
  • Public and Products Liability Insurance.

One of the most important covers in a Business Insurance Pack is Business Interruption. Business Interruption covers your business against loss of gross profits and increased costs of working, caused by an interruption to your business resulting from an insured event. Many business owners protect their assets but forget about protecting the loss of profits they are likely to suffer if it takes time for their business to recover.

Make sure you can get your business back on track quickly following an unexpected event, with the right covers under Business Insurance. Talk to us today.

Industrial Special Risks Insurance

Industrial Special Risk Insurance is designed for larger, more diverse businesses where it is more practical to combine several individual policies into one. So if you have high assets asset values and a diverse number of locations, Industrial Special Risk Insurance can often be tailored to meet your specific needs under one policy.

Talk to us today about how we can tailor a policy specific to your needs.

Trade Insurance

Trade Insurance allows you to protect your business premises and equipment against damage or loss. It is available across a broad range of trades, with cover options including:

  • Public and Products Liability Insurance to cover damage caused to people or property in the course of your business
  • General Property to cover your tools of trade, laptop computers and other equipment anywhere in the world
  • Tax Audit Insurance to cover your legal and accounting fees if you are audited
  • Fire and Other Damage Insurance to protect your building and its contents.

Professional Indemnity Insurance

Professional Indemnity Insurance is designed for people who provide professional advice for a living, including accountants, marketing consultants and medical professionals. It protects you, your employees and your business against claims arising from alleged errors and omissions in carrying out your professional duty.

If you provide professional advice, talk to us today about protecting your and your business.

Management Liability Insurance

Companies and their directors continue to face increasing regulatory surveillance of the management of their business activities.  New OH&S Laws now impose greater personal responsibility and fines on business owners and directors. Your business can experience an unwelcome surprise which may expose you or your staff to personal liability. Expensive litigation costs can leave you at risk of losing your family home and the lifestyle you enjoy. A Management Liability Insurance policy may protect you and your business against these risks.

Cyber Liability Insurance

Most Australian businesses are unaware and unprepared for the very real threat of cyber attacks believing that it is only a big corporate or government problem.But as we become more reliant on the Internet and other forms of technology, all businesses are being exposed to an increasing number of risks in the online environment.

Cyber insurance is a specific insurance product, providing cover for liability and costs a business may incur arising out of the “hacking” of their electronic data or the software within their computer network. Cyber insurance policies can also provide coverage for liability, costs and expenses arising from network outages, the spreading of a virus or malicious code, computer theft or extortion.

Traditional liability policies do not cover the risk of cyber-attack which is why a dedicated Cyber Liability policy is so important. Click here to arrange a quote

Commercial Motor Insurance

Commercial Motor Insurance allows you to protect the vehicles that your business owns, from smaller vehicles to larger transport vehicles, whether they’re on and off the road. Choose from different types of cover, including:

  • Comprehensive cover to protect your vehicles against accidental damage and loss
  • Legal liability cover to protect you against damage caused to another person’s property and personal injury caused by your vehicles.

The type of Commercial Motor policy that is relevant to you will depend on factors including the type of vehicle, it’s capacity and the extent of travel.

Contact us to discuss your particular Commercial Motor Insurance needs.

Fleet Motor Insurance

Fleet Motor Insurance is designed for medium to large businesses with a large fleet of vehicles, for example, your mobile sales or delivery teams. You can choose from different types of cover including:

  • Comprehensive cover to protect your vehicles against accidental damage and loss
  • Legal liability cover to protect you against damage caused to another person’s property and personal injury caused by your vehicles.

If you have a fleet of vehicles in your business talk to us today about policies designed for your business.

Workers Compensation Insurance

Workers Compensation Insurance protects your employees against any injuries that may happen to them at work – paying them a weekly wage and helping cover their medical and rehabilitation expenses. It is available for businesses of all sizes and in all industries.

Farm Insurance

Farm Insurance protects you against financial loss if you experience a major interruption to your business – including covers designed specifically for farms including machinery breakdowns or loss of feed and stock. Cover options can include:

  • Business Liability Insurance to cover personal injury or damage to property caused by your business activities
  • Farm Property Insurance to cover your buildings and contents against damage or loss
  • Domestic Property – Home and Contents Insurance to cover you against damage or loss as a result of fire, theft and flash flood.

Marine Insurance

Marine Insurance is for companies who are looking to protect themselves from their international and domestic marine exposures. The three main areas of cover include:

  • Marine Transit or Cargo which generally covers the risks of loss or damage to goods and merchandise while in transit by sea, rail, road or air – and while in storage between their origin and final destination
  • Marine Hull which provides coverage for many types of vessels and their machinery while navigating anywhere in the world
  • Marine Liability provides covers for companies in the marine and international shipping industry.

Contact us today to discuss your specific needs if you have goods or merchandise which you are moving within Australia or to and from international countries.

Travel Insurance

Travel Insurance covers you for business, holiday or working holiday travel, including sporting events. This includes a broad range of claimable events such as overseas hospital, medical and emergency dental expenses, and lost or stolen cash and personal effects.

Not-For-Profit Organisations

Not for profit organisations and community group are a vital part of the fabric of our society and add something very positive to the lives they touch. Unfortunately this does not immune them from claims from third parties, injuries to staff and other issues. Every community organisation is unique and that’s why it’s important to ensure the insurance cover suits your specific organisation’s needs.

Contact us today to discuss your organisation’s needs and obtain a quote.

The information provided is general advice only. Please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product, you should consider the appropriate Product Disclosure Statement/policy wording to ensure the product is suitable for your needs.