Commercial Business Insurance Quotes *

Commercial insurance in Australia is a series of policies that may protect business owners, their property, and their legal abilities. Suitable commercial insurance policies may shield businesses from risks that can have an impact on their operational activities, financial stability, as well as assets.

Depending on the nature or size of your business, your budget and risk profile, one or multiple commercial insurance policies may be required. A friendly SMART business insurance broker may be able to assist with a commercial insurance quote and guidance.

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.*

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What is commercial insurance?*

Commercial insurance typically refers to policies that aim to cover the commercial activities of a business. In Australia, commercial insurance is often referred to as business insurance.

Commercial insurance can further be divided into different categories like property insurance—which deals with the damage to buildings and contents; liability insurance—which covers legal liabilities to third parties; business interruption insurance—which pays you for the loss of income due to the unforeseen events; and professional indemnity insurance—which safeguards you from the claims of professional negligence or breach of duty. Depending on the type of business activities or additional coverage, worker’s compensation and cyber insurance can also prove to be valuable commercial insurance policies in Australia.

Types of commercial insurance policies for business owners to consider include :*

Public Liability Insurance: May protect you against claims from harm to other people or their property caused from your work activities ; work at site including unauthorized access, attractive nuisance, liability for sub-contractors, vicarious liability for sub-contractors.
Product Liability: May protect you when products you have supplied, repaired or manufactured cause harm, injure someone or cause property damage.
Commercial Property: Damage to commercial premises; glass cover is an option.
Professional Indemnity: Generally for businesses providing advice for a fee.
General Property Insurance: May cover damage or loss to tradie’s business equipment such as tools, mobiles , computers , power equipment , or stock such as timber or frames.
Business Insurance Pack: You may be able to combine public liability and other covers in a specially designed policy for a small t business. Ask your SMART broker for details.
Marine Cargo: Cover if you receive or send goods such as building materials via post or freight.
Commercial Motor: May cover any vehicle – car, van , light truck – that you own and use mainly for your business.
Cyber Insurance: Can help cover financial losses following a cyber security breach.

Trying to work out what commercial insurance policies your business needs?

We may be able to assist you determine what covers you need for your business risks.

Talk to a SMART commercial insurance consultant on 1300 542 573 to discuss suitable cover for your business TODAY.

Why do business owners need commercial insurance?*

Business owners need commercial insurance for a number of reasons including:

Protection of the value of commercial assets such as commercial property, commercial vehicles, machinery, tools and profit.
Cover to protect yourself and your business against claims due to negligence.

Since sole traders, self employed sub-contractors and small business owners are responsible for their commercial actions, they are liable for any financial claim arising out of damage caused to property or injury to person.

It is therefore considered vital for small business owners to take out suitable commercial insurance cover.

Further, some small business owners like electricians in Tasmania and Queensland and plumbers in Victoria cannot apply for or renew their contractor’s license without the relevant commercial insurance.