Our opening hours are 8.30am to 5:30pm Monday to Friday (AET, except public holidays). If you need to contact us out of hours you can email by clicking here and your query will be picked up on the next business day.

The cost of your insurance will depend on a number of factors, most importantly, the types of insurance policies you take out. There are several options available to you, and you’ll need to review your business’s situation to decide which covers to take out. It might be tempting to opt for the minimum level of cover to save money in the short term, but this may not be offering you enough protection for the wide range of risks your business faces. Speaking to an insurance broker can help you understand your risks and allow you to make an informed decision.

Payment for your insurance policies are generally due annually. A monthly payment option may be available through a premium funding provider. If you choose to take out a premium funding contract there will be charges (such as interest and/or fees) in addition to the premium you pay throughout the year. See the premium funding terms and conditions for full details¹.

Your broker will email you your certificate of currency once payment has been made on your policy.

You will find details of how to make a claim in the policy wording you receive from us. However, we also appreciate that having to make a claim can be a stressful time which is why as your advocate we are always on hand to help with any questions. Please do not hesitate to call us on 1800 020 339 or email [email protected]

If you run your business from home, the insurance you need will vary based on the type of business you run. If you provide professional advice, you may need to consider Professional Indemnity Insurance. If you see clients in person, such as having meetings, you may need to consider Public Liability Insurance. If you have a digital footprint, Cyber Insurance might also be a wise cover to look into. If you are unsure of the insurance you need, taking the time to talk to a broker may be worthwhile, and help ensure you're not left with any gaps in cover.

The insurance you need will vary depending on the field you're in, and you may need more than one policy. At a minimum, you're likely to require Public Liability Insurance if you'll be conducting activities in public and interacting with third parties. You can speak to our team to help you understand what insurances you may or may not need.