Business Insurance

Insurance cover for your business contents or property for damage, loss or theft.

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Understanding business insurance

Running a business can feel like juggling a dozen balls at once; sometimes, things don’t go as planned. That’s where business insurance steps in – it’s like a safety helmet or seatbelt for your business. Business insurance helps you handle those bumps and unexpected events without dropping the ball. It can cover costs if your property gets damaged, something gets stolen, or even if someone decides to sue your business.

Business insurance is flexible and can be tailored to fit your unique business. It’s like a one-stop shop offering multiple types of protection. You get to pick and choose the coverage you need, ensuring your business is well protected.

“Great service, and prices. Very friendly, reliable and helpful. Highly recommended them and will continue to use them for my insurance needs.”
Milenko Babic

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Why Do You Need Business Insurance?

Just like you wear a seatbelt in a car to keep you safe, your business needs insurance to protect it from potential risks. Maybe a fire damages your property, a customer gets hurt at your place and decides to sue, or a product you sell causes harm. These incidents could bring hefty costs, but the right business insurance can help cover these costs and keep your business running smoothly.

How We Can Help

Here at Webber Insurance, we specialise in helping small businesses find the right insurance. We understand that every business is unique and requires its own kind of protection. That’s why we’re committed to looking at various insurance options to find the best fit for you, quickly and easily.

No matter the size or type of your business, we’re here to chat about what kind of insurance you need. We’ll provide you with various coverage options and price options to ensure you feel secure and confident in your business insurance. With our expertise, you can focus on what you do best: running your fantastic business.

What Does Business Insurance Cover?

Business insurance is like a multi-tool. It offers a wide range of protections to help safeguard your business from various risks. Here’s a look at the different types of coverage you might consider:

Property Insurance: Just like your house needs insurance, so does your business property. If a fire or other accident happens, this can cover your buildings, contents, and stock. It’s like having a safety net for your business assets.

Business Interruption Insurance:If something goes wrong, like a fire or flood, it can stop your business in its tracks. Business Interruption Insurance keeps your income flowing while you get back on your feet. It’s like your business’s sick leave, helping you recover without financial stress.

Theft Coverage: Thefts are an unfortunate reality for businesses. With Theft Coverage, your business contents or stock are protected if someone takes something that’s not theirs. It’s like having a security guard for your business.

Money Insurance: This covers you if cash gets stolen from your business, whether on your premises, in transit, or even at your private home. It’s like a strongbox for your hard-earned money.

Glass Insurance: covers any internal or external glass in your business, including signs, from breakage. It’s like an invisible shield, keeping your business looking its best.

Public & Products Liability: If someone gets hurt or their property gets damaged because of your business or a product you sell, this can help cover the costs. It’s like a buffer between your business and potential legal issues.

Machinery Breakdown Insurance: Machines can be temperamental and break down. This type of insurance can cover repair or replacement costs, including air conditioning units. It’s like a mechanic for your machinery.

Employee Dishonesty Coverage: This protects your business if an employee does something dishonest, like fraud. It’s like a lie detector, ensuring the truth won’t hurt your business.

Computers & Electronic Equipment Insurance: Tech glitches happen. This insurance covers fire, theft, accidental damage, and breakdowns that could affect your computers and other electronic equipment. It’s like tech support for your business tools.

General Property Insurance: Some business items move around a lot. This insurance protects those items, like tools of the trade, that regularly leave your business address. It’s like a safety backpack for your business equipment.

Transit Insurance: If your business sends or receives items, this covers them while they’re in transit, whether within Australia or internationally. It’s like travel insurance for your goods.

Tax Investigation Insurance: Dealing with tax audits or investigations can be costly. This type of insurance covers those costs, keeping you focused on your business. It’s like having a tax accountant on speed dial.

Additional Business Insurance Covers to Consider

Getting your basic business insurance sorted is a great first step. But depending on what your business does and the specific risks you face, there might be other types of insurance you should think about. Here are a few more insurance options that could help your business run smoothly and stay protected:

  1. Professional Indemnity Insurance: This insurance provides a safety net for your business if a client believes there has been a mistake or negligence in your professional service or advice. Suppose they claim they’ve suffered damages or financial loss due to your actions or advice. In that case, Professional Indemnity Insurance can help cover your legal defence costs and any compensation you may be required to pay.
  2. Cyber Liability Insurance: In today’s digital world, cyber risks are more real than ever. Cyber Liability Insurance can protect your business if you face cyber threats. It can help cover the financial impacts if your data gets breached or your network security fails.
  3. Management Liability Insurance: This insurance can protect your business if you face claims because of mismanagement. This might involve things like your employment practices or the actions of your directors and officers. Management Liability Insurance can help keep your business safe.
  4. Workers Compensation Insurance: In many places, it’s the law to have Workers Compensation Insurance. If an employee gets hurt or falls ill because of their work, it can help cover their medical costs and replace their lost wages.
  5. Personal Accident Insurance: If an injury prevents a business owner or employee from working, Personal Accident Insurance can help. It can provide weekly benefits or a lump-sum payment to help lessen the financial impact.
  6. Commercial Motor Insurance: If your business uses vehicles, Commercial Motor Insurance can help protect them. It can cover your fleet against accidents, theft, and other risks while on the road.

Every business is different, and insurance needs can change significantly from one business to the next. That’s why working with an insurance broker can be so helpful. We can help you understand your risks and guide you to the best coverages for your business. We’re here to help you create a complete insurance plan that gives you peace of mind and helps your business run safely and securely.

Types of Businesses We Can Assist With

At Webber Insurance, we’re committed to helping various businesses find the right insurance solutions. However, we recognise that every business is unique and has specific insurance needs, so we specialise in the following sectors.

  • Construction and Trade Contractors: We understand the building and trade industry risks and can help protect your business against them.
  • Technology: With the ever-changing tech industry landscape, we are here to help safeguard your business against potential threats.
  • Professional Services, including Health Services: We can assist various professionals, from consultants to Real Estate Agents to healthcare providers, in finding the right insurance coverage.
  • Wholesaling: We understand the needs of wholesale businesses and can help you find a plan that fits.

Types of Businesses We Can’t Assist With: We currently aren’t equipped to serve some industries. These include but are not limited to:

  • Hospitality
  • Accommodation
  • Manufacturing
  • Import / Export
  • Transport
  • Retail
  • Motor Trade
  • Farming

We believe finding an insurance broker who truly understands your industry and specific risks is essential. If your business falls into one of these categories, we recommend seeking a broker specialising in these areas. Even though we can’t assist directly, we aim to ensure every business finds the proper protection for their unique needs.

What Happens When a Business Insurance Claim Occurs

If an incident occurs leading to a business insurance claim, it might feel a bit overwhelming. But don’t worry; we’re here to guide and support you every step of the way.

As your insurance brokers, we’re here to make the claim process as straightforward as possible. We work for you, not the insurance company, and our job is to assist you at every step of the way, from the initial claim to the final settlement.

The process might be slightly different depending on the type of insurance involved, but typically, here’s what you can expect:

  1. Get in Touch with Us: Call us as soon as something happens. We’ll help you understand what to do next and guide you through the specific claims process for your type of coverage.
  2. Collect Your Info: You might need to gather specific information or documents depending on what’s happened. This could be things like photos of any damage, police reports, or other relevant documents.
  3. Submit the Claim: We’ll help you lodge your claim with the insurance company, ensuring all the necessary information and documents are included.
  4. Claim Assessment: The insurance company will review your claim based on your policy. They might need more information to determine the claim’s full extent. This could involve people like assessors, loss adjusters, or other professionals. We’ll talk to the insurance company and these professionals for you. We’ll ensure your concerns are heard and help make the assessment process as easy as possible. We aim to help you get the best possible outcome for your business.
  5. Settlement: Once the claim is approved, the insurance company will sort out the settlement. This could mean repairing or replacing damaged items, or it might involve a cash settlement.

Remember, we’re here for you every step of the way, working to make sure your claim is handled as smoothly and quickly as possible. With us by your side, you can rest easy knowing you have a dedicated partner looking out for your best interests. We’re here to help you get back to running your fantastic business with as little disruption as possible.

Get an Business Insurance quote

To receive a personalised business insurance quote to meet your unique needs, click the “Get a Quote” button below. Fill out the necessary details, and we’ll get back to you promptly with an estimate.

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What Our Business Insurance Customers Say About Us

We needed business insurance. The team at Webber Insurance Services were fantastic at identifying our requirements and providing a tailormade insurance solution. We can focus on running our business knowing Webber Insurance have our back. Keep up the fantastic work.- Pk Gupta
As a small business owner, it is SO easy to deal with them. Renewals are a breeze with their automated processes in place, making it a joy to deal with them. They have implemented today's technology to the fullest. Always available to answer my questions and provide advice / service, I highly recommend them. They have gone above and beyond for me over the years.- Barbara Liddiard

Need More Information?

Understanding and choosing the right insurance coverage for your business might seem tricky, and having more questions is okay. We’re here to guide you! Feel free to give us a call at 1300 932 237. Our skilled insurance experts are ready to answer your queries, provide further information, and help you navigate your options.

Remember, we’re here to provide insurance and foster a relationship built on trust. We strive to ensure you feel secure and content with your insurance choices. So, don’t hesitate to get in touch. We’re eager to hear from you and support you in your business journey!

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