Insurance for Small Business

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 02 6190 0958 during business hours.

It is important to keep your policy up to date with the changing shape of your business but also to keep your business and personal information up to date in the event of a claim.

Should your business circumstances have changed, for example you have moved into new premises or you have changed the services that you offer and you are not sure if your existing insurance covers it anymore then you can always call one of our experienced friendly brokers to discuss on 02 6190 0958.

Your renewal offer, schedule and tax invoice will be emailed to you approximately 30 days before your renewal date. Please ensure you review the details of our offer carefully (remember pricing and coverage levels may have changed so it is important to review). If you are happy with the offer and wish to accept, simply make payment by the date specified on the tax invoice.

Our opening hours are 8.30am to 5.00pm Monday to Friday (AET, except public holidays). If you need to contact us out of hours you can email us at [email protected] and we will pick up your query on the next business day.

Yes, you can. Monthly payments can be arranged through a premium funding agreement with Hunter Premium Funding² to help you spread the costs of your insurance across the year. Please note that the total overall cost is higher if you pay monthly. Contact us on 02 6190 0958 or by email on [email protected]

Public Liability insurance covers your legal liability caused directly by your business activities or on your business premises during the course of your work. Product Liability insurance covers loss or damage caused by products your business sells.

For example, if you operate a catering business, and food you serve makes someone sick, you could be held liable to pay damages and the cost of their treatment. If you are a professional providing a service, Product Liability may not be applicable to you. Instead, if a client alleged your service or advice caused them financial loss or injury, you would need professional indemnity insurance to help cover this.

This will depend on a number of factors such as your business activity your business needs, the size of your business and the clients you work with. Some clients may require you to have a minimum level of cover to work for them – however, the minimum may not be enough for you, so you should speak to a qualified solicitor or financial advisor before deciding how much cover you need.

Your high-value client base, the commercially sensitive information you hold about them and the raft of cloud based and online technologies you use all make you susceptible to cyber crime. For cyber criminals, attacking your system wouldn't require much effort on their part, but the ramifications for you (and your clients) could be far-reaching. Cyber Insurance can therefore help safeguard your business's viability if you do fall victim to an attack, and help make sure you're not left with substantial out of pocket costs to rectify your IT systems and get your business back up and running.

Yes, if you employ staff, you will need to take out Workers Compensation Insurance. You can speak to your state regulator about your needs as coverage and legislation varies between different states