Commercial Insurance Brokers

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Commercial Insurance Broker Service*

Commercial insurance may protect business owners from a range of risks such as fire, lawsuits, and sickness. Coverage may also include the protection of physical assets like buildings and equipment, the liability for the injuries of the customers, product failures, and business interruptions due to events like fire or natural disasters.

If you are business owner looking for a commercial insurance broker to help you find suitable and affordable commercial insurance for your business you may have come to the SMART place.

Wherever your business operations are located in Australia we may be able to assist you with professional and friendly commercial insurance broking services.
Our team of friendly commercial insurance brokers may be able to assist you by providing you with multiple quotes on suitable commercial insurance to cover the commercial risks you face.

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.*

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

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What Are the Different Types of Coverage Offered by Commercial Insurance? *

  • Commercial insurance in Australia is broadly categorised into several types including :
  • Commercial Property Insurance: a shield for the business property in case of damage for events such as fire ; glass cover is an option
  • Public Liability Insurance: may protect you from any legal claims that may arise due to third party bodily injury or property damage due to your commercial activities
  • Professional Indemnity Insurance: may provide protection for claims of negligence, errors and omissions for commercial professional advice or services
  • Product Liability Insurance: may provide protection if your product causes injury or damage to a third party .
  • Business insurance pack – you may be able to combine several commercial covers including commercial property , contents , stock and business interruption in a commercial policy called a business insurance pack
  • Business Interruption Insurance: This insurance is a safety net that may help your business retain income and pay for expenses if your business is disrupted by defined events.

What Are Common Exclusions in Commercial Insurance Policies? *

The common exclusions in commercial insurance policies may include:

  • Acts of war or terrorism (unless specifically covered).
  • General wear and tear of property; including machinery.
  • Intentional damage caused by the business or its employees.
  • Nuclear and radioactive hazards.
  • Some policies may exclude certain natural disasters, depending on the geographical location and risk.

How Do You Choose Suitable Commercial Insurance for Your Business? *

To obtain suitable commercial insurance, it is advised to critically assess the specific risks and coverage needs of your business. Consider the nature of your business operations, the type of industry you are in and the potential risks you could face. A business insurance broker may be able to assist.

What Factors Should You Consider When Selecting Commercial Insurance? *

When selecting a commercial insurance in Australia, consider factors such as:

  • Coverage options that match your business needs.
  • Claims settlement process and its efficiency.
  • The insurer’s reputation and financial stability.
  • The quality of customer service and support by the broker or insurer.
  • Premium costs, limits and excesses.
  • Exclusions

What Questions Should You Ask Before Purchasing a Commercial Insurance Policy? *

Before purchasing a commercial insurance policy, ask the following questions:

  • Are there any exclusions or limitations in the policy?
  • What specific risks does this policy cover?
  • What is the process for filing a claim?
  • What is the policy’s excess or deductible?

What Are the Benefits of Having Commercial Insurance? *

The benefits of having commercial insurance include:

  • Financial protection against unexpected events.
  • Peace of mind, allowing business owners to focus on running their business.
  • Compliance with legal and contractual requirements.
  • Enhanced credibility with customers and suppliers.

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How Much Is Commercial Insurance? *

The cost of commercial insurance depends on several factors including type of business you are in, the coverage you need, your business size , and claims history. The cost for small businesses can range from a few hundred to several thousand dollars a year.

What Type of Commercial Insurance Is Suitable for a Small Business Owner ? *

Many small business owners in Australia would have Public Liability Insurance or a Business Pack Insurance, also known as “Biz Pack,”.  A “ Biz Pack” combines several crucial covers like property damage, public liability, and business interruption in a single package, thus making management easier and often curbing the costs. Personal accident and sickness and general property insurance are also popular with small business owners.

Commercial Insurance broker quotes – Wherever you are in Australia*

We can help you obtain quotes from multiple leading commercial insurance companies such as Vero, Calibre, Zurich, CGU and Liberty so that you can compare costs and cover. For common commercial risks we can generally obtain multiple quotes for you in just a few minutes.

And you’ll have us in your corner if you need to claim.

The SMART commercial insurance broker service*

  • As a commercial insurance broker:
  • 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!

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