Frequently asked questions
Businesses obtain business insurance to protect their business activities and their business assets.
Your business insurance policy covers your employees, directors, business partners and / or senior executives.
Yes. You’re covered across Australia for the business activities noted on your policy.
You’ll get a Certificate of Currency when you have first purchased and paid for your business or personal insurance. Otherwise you can request a copy via email email@example.com or by calling 07 3340 6770
We can email a digital copy to the address associated with your policy or post one out to you.
You can pay by credit card (American Express, Mastercard or Visa), BPAY, cheque or at the post office.
You may also be able to split the premium over 12 months, and pay monthly via credit card or direct debit.
Professional Indemnity insurance is designed for professionals who provide advice or a service to their customers. It protects you against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of professional duty in the course of your business.
Public liability insurance is considered a must-have for many business owners. It protects you if someone sues you for personal injury, death, damage to their property, or advertising injury. If you don’t have public liability insurance, the resulting compensation payouts and legal costs can potentially cripple your business.
As a small business owner, you want to win friends and influence people. You don’t intend or expect to injure someone or damage their property in the course of doing business. However, even a simple event can trigger a public liability case against your business. If you’re a motor mechanic, for example, public liability insurance can provide protection if:
- A customer trips over a tool on the workshop floor and fractures their wrist.
- A bicycle courier slips on a patch of oil and sprains their ankle.
- An employee damages the paintwork on a customer’s car with a tool trolley.