You can relax knowing that your vital contents and equipment are safe, and any major interruptions to your business won’t hamper your operations.
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Business insurance provides financial cover for your business premises and contents against loss, damage or theft, as well as from any financial loss resulting from an insured interruption to the business.
What is covered?
- Damage or theft of office contents or stock
- Damaged buildings
- Portable valuables
- Machinery breakdown
- Business interruption
What is typically NOT covered?
- Negligence/breach of duty arising from an act, error or omission as a result of your professional services
- Flood damage is generally excluded from standard policies
- Known claims and circumstances
Why it’s important
Your business depends on its contents and equipment, as well as the continuous availability of its premises to remain operational. An appropriate business insurance package should be a key component of your risk management plan.
Who it’s for
Whether you’ve just served your first customer or been in business for years, protecting your business assets and operations is vital.
November 10, 2016
A prolonged power outage across an entire town meant that a popular café’s freezers and refrigerators were switched off for an extended period of time.
When the café was finally able to begin operations again over a week later, they were without a large proportion of their stock, including all of their meat, ice cream and drinks. The business had to work without their full menu for weeks, and were only able to serve a limited number of items.
Fortunately, they were covered for the loss of stock and business interruption under their business insurance package and were able to claim for the loss of business during the closure period, as well as the $2,000 worth of stock that was lost.
IN PARTNERSHIP WITH
These business insurance products are distributed by BizCover Pty Ltd (ABN 68 127 707 975; AR No 338440); a corporate authorised representative of Mega Capital Pty Ltd (ABN 37 098 080 418; AFSL 238549). If you choose to purchase these products we will refer you to them. If you purchase a product as a result of a referral, we will receive a fee. BizCover acts as the agent of the insurers in respect of the insurance products offered on the website and not as your agent. Any advice does not consider your individual needs. You should consider if the insurance is suitable for you and read the Product Disclosure Statement or policy wording before buying the insurance. Information on this website is general information only, you should read the Product Disclosure Statement or policy wording to ensure you understand the full details of any product you are interested in purchasing (including inclusions and exclusions).