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What is General Property Insurance

Last Updated: June 19, 2025

General 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. 

How to get insurance for the first time

Last Updated: June 19, 2025

If 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 insurance do I need when I am starting a business

Last Updated: June 24, 2025

When starting a business, it is essential to have insurance that protects the business you are creating and helps you meet any legal, licensing, or contractual requirements. The right insurance depends on your business activities, industry, contracts and risks. This is where working with a broker makes a real difference. At Webber Insurance, we take the time to understand what you do, identify your risks and recommend cover that suits your business. We help you choose insurance that is not just off the shelf, but tailored to your needs. Types of insurance to consider when starting a business The main types of insurance most businesses should consider include: Professional Indemnity Insurance: Protects against claims of negligence or errors in the advice or services you provide. This is essential for professionals such as engineers, consultants, designers and those providing technical or advisory services. Public Liability Insurance: Covers claims for injury to third parties or damage to their property as a result of your business activities. Important for most businesses, especially those working on client sites or where the public could be affected by your work. Business Insurance: A flexible package that can cover property, equipment, tools, stock and business interruption following...

What is Business Insurance

Last Updated: June 19, 2025

Business 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...