Business Insurance for Retail, Trade, Hospitality, Professional Service, Manufacturing
Types of insurance policies
('Essential' and 'worth-considering' are just a guide. Make your own assessment based on your needs.)
If you supply advice you can be sued for financial loss due to errors or omissions. The cover should stay in force even after you give the advice, if you retire etc. Examples of professionals are: architects, designers, education workers, real estate agents, health workers and consultants. Extended cover is 'run-off cover'.
Personal accident, illness or disability
Your inability to work and loss of income. Unless you are an employee of a proprietary limited company, WorkSafe Injury Insurance won't cover you.
WorkSafe Injury Insurance
Claims from the death, injury or illness of employees arising from their employment. Includes legal costs. This insurance is compulsory.
Fire and perils
Damage to buildings or contents by fire, lightning, explosion, malicious damage, earthquakes, storm and water. Most fire and perils policies don't cover you for flood damage caused by overflowing watercourses e.g. rivers.
Theft involving violent, forcible entry, loss or damage to stock, goods held in trust and all contents for which you are responsible within the premises. Does not normally cover theft by employees or others entitled to be on the premises.
Some plant has to be inspected every year and certified. Usually comes with engineering policy, with cover for equipment risks like breakdown and explosion.
Loss of tools of trade or profession, stock in trade and office contents, whether they are at or away from the premises.
Goods in transit
Loss or damage to your property while in transit, either within Australia or overseas. This can also include laptops used in your business.
Claims of goods causing injury or damage. If you sell, supply or deliver goods, even if you repair goods or supply them as a service.
Third parties suing you for personal injury or property damage they sustain while on your property if you're negligent.
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