Business Contents Insurance

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Contents Insurance for Business*

Business contents insurance can help protect your valuable office or factory equipment assets. Business owners outfit every office, factory or warehouse differently. Business content insurance that covers one enterprise may be insufficient for another. SMART Business Insurance may be able to help you find business contents that can protect your contents at an affordable price.

You can depend on your SMART broker to help you find an appropriate policy to suit your requirements. Our personalised service means you may have found a business insurance broker who strives to understand your unique business risks.

Why overpay? With a customized business contents policy, you only buy as much small business contents insurance as you need. Your friendly broker will help you make changes to your policy as your business grows and changes.

Many business owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Small business owners can access many BIG name insurers AND
industry specific underwriters here:*

Small business owners QUESTIONS regarding
Business Contents Insurance ANSWERED:*

Just as it is important to tailor your insurance for your home’s contents, it is just as important to insure your business contents. Without your contents, you may be unable to operate. Protecting your business contents is vital to protect your income.

All these occupations require adequate contents protection.

  • Tradies
  • Professionals such as computer specialists or accountants
  • Retail shops
  • Work-from-home entrepreneurs
  • Anyone with a separate business premises where you store equipment and tools

Protecting your business contents protects your income stream. If you had a theft, for example, would you have the cash to purchase new tools and equipment at today’s prices? Business contents insurance is a vital tool in your risk management toolbox.

You should strongly consider insuring any business contents that you cannot replace quickly and inexpensively. Is that piece of equipment, machinery, or tool vital to your business? If yes, it is best to insure it.

Consider the replacement value of these business contents when selecting an insurance value.

  • Business equipment
  • Computer equipment
  • General contents such as laptops, mobile phones
  • Machinery
  • Office, warehouse and factory fit-out
  • Stock
  • Tools

A business contents insurance policy is designed to protect you against the loss or damage of office and other equipment that you need to carry out your business activities.

Such policies may cover damage caused by theft, fire, stolen money, vandalism or malicious damage, smoke damage, storm damage and rain or water damage, depending on the terms of the policy.

Some types of business contents policies may also include coverage when accidental damage to equipment occurs (up to an agreed amount) and may also cover reasonable expenses incurred when you lose important business information (such as accounting details) that need to be re-created.

Business contents insurance is important when you consider the consequences of losing the tools and equipment you use in your business and the impact this could have on your income and clients if you were without them – even for a short time.

If you run a home-based business, you should also be aware that most home contents insurance policies do not cover tools and equipment used for business purposes.

Business contents insurance is important for all types of small businesses ranging from retailers to tradespeople to consultants. It may be invaluable in helping you to resume your business activities when tools, equipment or stock is damaged or stolen.

The cost of business contents insurance will depend on the types of tools and equipment you need for your business and how much they cost to replace. It may also be impacted by the type and location of your office or storage premises and the security that applies there.

The smart thing to do is to get a quote from one our friendly insurance brokers after fully explaining your business circumstances, the replacement value of the items being insured and the risks your business faces.

Often, we may be able to offer business assets cover in combination with other business insurance policies which may help reduce your overall insurance costs.

Business contents insurance may typically cover you for losses or damage to business equipment such as computers, work tools and machines but some policies may also cover general contents such as mobile phones, office or factory fit-outs, existing stock and even cash.

It’s wise to discuss your business needs with one of our insurance brokers so that they can suitable business contents insurance for your business so that you are covered for loss or damage to the items that have the greatest impact on your business.

There are several ways to cover your business contents. These include the following.

Not too sure what cover you need for your small business? SMART Business Insurance brokers discuss business contents insurance with small business owners almost every working day. For more information and general advice about your protecting your business contents, contact a friendly SMART business insurance broker on 1300 542 573 or enquire online.

Important: Cover may be available subject only to meeting the insurer’s underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations. Talk to a SMART Business Insurance broker on 1300 542 573 for more information.

Want guidance on Business Contents Insurance coverage for your small business?
Get in touch. Here to help you.*

Need more CERTAINTY regarding your business insurance cover?
Have questions or want GUIDANCE?
Get in touch. Here to help you.*

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Small business owners DESERVE to get insurance cover at an
affordable price – and KNOW what they are covered for.*

We are business insurance brokers

What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^

^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.


REAL LIFE STORIES of small business owners who were UNCERTAIN about their business insurance coverage NOW operating with CONVICTION.*

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Learn More About Insurance for your Business:*


· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!

Find out more.