Business Owners Insurance

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Liability Insurance for Business Owners*

If you own and operate a small business in Australia, and are looking for suitable and affordable liability cover you may have come to the SMART place.

There are a number of relevant liability insurance covers for small business owners the team of friendly SMART business insurance brokers may be able to help you find suitable cover and affordable quotes for :

  • Public Liability – public liability is a core cover for business insurance owners – its required for all types of businesses to cover you against damage to a third person or their property.
  • Product Liability – For protection against damages caused by your business products.

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.*

"Rosemary was extremely helpful with great follow up and giving personable service."

What other insurance covers may a small business owner need?*

Below are just some of the other types of protection that business owners in Australia can consider to provide cover for their business risks.

Equipment and other contents – eg: loss of computer equipment.

Business Interruption – to protect against loss of income in your business.

Commercial vehicle insurance – Insurance for your work vehicles.

Cyber insurance – Protects you and your business where damages involve internet or customer data.

Management liability insurance – For claims arising from employee relations, OH & S and discrimination.

Commercial Property Insurance – for businesses owners that operate from commercial property

Health insurance for small business ownersSelf-employed and sole trader small business owners are responsible for their own health insurance. Not being able to work because of accident or sickness, may mean that you are not earning any income. To help pay the bills when you are unable to work you should strongly consider personal accident and sickness insurance.

Professional Indemnity – for small business owners who provide advice for a fee professional indemnity insurance can help pay damages suffered by a client based upon your services, advice or negligence. It may also cover legal bills for ambient claims against you when you have done nothing wrong.

Workers Compensation Insurance – for business owners with employees.
Smart insurance brokers pro tip: public liability, contents and business interruption may be able to bundled into a “business pack” for affordability and ease of managing.

Call us on 1300 542 573 for more information.

For further reading on insurance covers for new business click here.

Ultimately its up to each small business owner to decide what cover you need and what cover you can afford. Where you are located ( home or office ), number of staff (sole trader or business with employees ) and type of clients ( direct, large or small, agencies) are some of the factors that will influence your cover choices. The team at SMART Business Insurance brokers can assist in answering any of your coverage questions and help your find suitable and affordable insurance for your business activities. We are here to help. Call us on 1300 542 573.

Business Owners Insurance Quote and Cost*

Whether you are looking for cover for your health or liability risks, your enquiries and quote requests for business owners insurance will be handled quickly, efficiently and cost effectively.

At SMART we aim to treat each of business owner with a friendly and personal touch. Monthly payments are available.

Depending on the nature of the business services and products; the clients you work for different insurance companies and underwriters are likely to provide suitable cover and competitive prices.

For an affordable quote on suitable business owners insurance TALK to a SMART Business Insurance broker on 1300 542 573 or contact us on.

Want your QUESTIONS on Business Insurance ANSWERED?
Get in touch. *

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How much is business owners insurance?*

The cost of business owners insurance depends on a number of factors including the level of coverage you require, the number and type of policies you take, the sum insured, sub limits, and claims history in your industry. These “rating” factors will be reflected in your business owners insurance quotes.

Get SMART cover for your business owners risks*

We may act for business owners- 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

Small business owners insurance in Australia*

What cover features and benefits may be available with your business owners insurance quote?*

What are your Business Owners Insurance Requirements?

The types of insurance policy/s business owner’s needs, and the level of cover, will vary depending on your business activities , the size of your new business and each business owners risk appetite.

As each industry is different its essential to get cover that is suitable to your business activities.

As cover inclusions vary significantly from insurer to insurer, depending on your business owners insurance requirements, it may be smart to compare features and benefits – as well as cost – with your business owners insurance quote.