What is business insurance?
A business takes years to build – but an accident or disaster could destroy it all in minutes. That’s why businesses should help protect themselves with a quality Business Insurance Pack.
With the right cover in place, owners can run their business with confidence, knowing that their premises, stock, equipment and reputation are protected by insurance.
What Can It Cover?
| type of cover | potential benefits |
|---|---|
| Property Damage | Repair or replacement of property damage |
| Business Interruption | Loss of trading profit insured damage to property and additional costs and expenses incurred during a claim |
| Theft | Repair or replacement of property stolen. |
| Money | Loss of money |
| Public or Products Liability | Your liability to pay compensation for personal injury and property damage as well as the costs involved in defending a claim triggered by the policy. |
| Glass | For replacing glass inside or outside your premises, including your shop front windows, mirrors or display cases. |
| Transit | For stock that is in transit on the road, in the air or by sea. |
| Electronic Equipment Breakdown | For repairing or replacing electronic equipment that breaks down. |
| Machinery Breakdown | Cover for costs associated with machinery breakdown. |
| General Property | To cover your tools of trade, including laptops and tools that you use for your profession or trade. |
| Tax Audit | To cover the costs being audited by the ATO. |
| Employee Dishonesty | Direct financial loss of the business caused by the dishonest or fraudulent conduct of an employee which is first discovered during the period of insurance. |
What Is Not Covered?
Exclusions, and the excess you need to pay and limits of liability can vary greatly depending on your insurer and the requirements of your business.
Who Should Consider It?
Any business that interacts with the public directly or indirectly.
Business owners can benefit from taking out an affordable and comprehensive Business Pack to help protect them against the main risks involved in running a business.
Why us?
At Regional, we understand there’s no single insurance solution for small businesses.
That’s why our business insurance team will take the time to understand how you work and the potential areas of risk that you and your business could face. Then, we’ll work hard to build the insurance policy that covers what’s important to you, for the most competitive premium we can offer.
And if you ever need to make a claim, we’ll take care of things quickly and painlessly. We’re open for claims 24/7 to get you back in business quickly.
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