Business Insurance
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What is General Property Insurance
Last Updated: June 3, 2025General Property Insurance provides cover for portable tools, equipment, and electronic devices that are used for business purposes and taken off-site. It is ideal for tradespeople, consultants, and mobile businesses that rely on essential equipment away from their main premises. Common items covered under a General Property policy can include: Hand tools and power tools Laptops and tablets Mobile phones Surveying or testing equipment Specialist trade or professional gear Cover typically applies while these items are in transit, at a job site, or stored in vehicles. The policy can often be tailored by specifying individual items over a certain value, or applying a blanket limit across multiple tools.Â
How to get insurance for the first time
Last Updated: June 17, 2025If you have never arranged insurance before, it might feel like a big task. At Webber Insurance, we make it as simple as possible by guiding you through each step and answering your questions along the way. Here is how the process works. Identify what you need The first step is to work out what insurance you need. This depends on: What you are trying to protect, such as your business, services, advice or property Any contract, licence or regulatory requirements you need to meet If you are unsure about this, please speak with our team first. We will help you identify what is required for your situation. Complete a proposal form Once you know what type of cover is needed, we will ask you to complete a proposal form. This is typically an online electronic form that is quick and easy to complete. It provides us with the necessary information to approach insurers on your behalf. Review your quotes We will send you quotes to review. You can ask us any questions or request changes if needed. We will ensure that you understand what is covered and help you choose the option that best suits you. Confirm your cover...
What is Business Insurance
Last Updated: June 4, 2025Business Insurance (also known as Business Pack Insurance) is a bundled policy designed to provide a range of covers under one policy, tailored to suit small to medium-sized businesses. It’s a flexible and cost-effective way to combine multiple insurance types into a single package based on your business needs. Most insurers offer modular options, meaning you choose which sections you need. Common cover sections include: Property Damage – Covers buildings, contents, stock, and fixtures against risks like fire, theft, storm, or vandalism. Business Interruption – Covers loss of income and increased operating expenses if your business is interrupted due to an insured event (e.g. fire). Theft – Covers burglary or theft of contents and stock (usually excluding money unless added separately). Money – Covers loss or theft of money from your premises, in transit, or at a private residence. Glass – Covers internal and external glass (shopfronts, mirrors, signage) against accidental breakage. Public & Products Liability– Covers your legal liability for injury or property damage caused to others due to your business activities or products. General Property (Portable Equipment) – Covers tools, laptops, or equipment taken off-site or used on the move. Machinery Breakdown – Covers repair or replacement costs...