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.

What Is Business Contents Insurance? *

Business contents insurance may act as a shield for the physical assets of a company against any unforeseen event including but not limited to damage and theft.

This insurance coverage is an is a crucial aspect of the risk management for many companies as it may protect important items used daily in business operations, like computers, office furniture, machinery, and other specialised equipment.

Why Do Businesses Need Contents Insurance? *

No matter how successful a business is; it is still vulnerable to risks. It could be a theft, accidental damage or even a natural disaster, the potential of such events is always present. Business contents insurance may offer valuable relief by helping a business recover the losses without the crushing financial pressure. Besides, business owners, can run their business with confidence, knowing operational assets and tools are protected.

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.*

Why Buy Insurance for Your Business Contents? *

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.

Types of Business Contents *

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

What is Business Contents Insurance? *

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.

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What Does Business Contents Insurance Cover? *

  1. Damage and Theft of Physical Assets

It may cover damage or theft to moveable assets of a business such as stock, machinery, office equipment and other tools necessary for daily operations.

  1. Business Interruption

Where an incident triggers business contents cover, business owners may benefit from business interruption cover which can be included with the business contents. This insurance coverage may compensate for the financial losses and bear operating expenses till the business bounces back, including damaged or stolen business contents.

How Much Does Business Contents Insurance Cost? *

  1. Factors Affecting Cost

The cost of this insurance coverage may vary as per the various factors including sums insured, type of contents, business location, level of security measures to be placed and chosen deductibles.

  1. Average Cost for Small Businesses

For a small size business, business content insurance usually costs a few hundred to a couple thousand dollars per annum. However, it is important to remember that this cost is highly influenced by the certain circumstances of the business and its coverage needs.

How to Choose Suitable Business Contents Insurance? *

  1. Assess Your Business Needs

First and foremost, assess the value and risks associated with the assets to evaluate the required suitable coverage.  For example, can your business operate without the assets, how much will they cost to replace, what is the likelihood that they be damaged or stolen?

  1. Compare Quotes from Different Insurers

Compare terms and rates from different insurers that suit the business, and its coverage needs.

  1. Read the Fine Print

To avoid any surprises at the time of loss, it is crucial to understand all the claim processes, limitations, and exclusions beforehand.  A business insurance broker may be able to assist.

What to Do in Case of a Claim? *

In case of a loss, immediately report the matter to your insurer or broker documenting the damage and providing evidence regarding the claim and proof of ownership.


What are the contents of business insurance? *

The term “Content” in business content insurance may refer to any moveable item owned by a business such as stock, equipment, or furniture.

How much is small business insurance in Australia? *

In Australia, this insurance frequently costs many small businesses anywhere from $500 to $2000 per annum, but it highly depends on the type of coverage required. Check with a business insurance broker for specific costs for your business.

What does business contents insurance cover? *

Business contents insurance may cover tangible assets owned by a business including stock, machinery, and equipment against damages, theft or any perils mentioned in the policy.

This general information on business content insurance aims to assist business owners choosing suitable coverage for their assets to ensure long-term stability and resilience.

Check with a business insurance broker for specific details for your business.

Insurance Brokers Are Not All Alike *

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.