Commercial insurance
Every business carries a different mix of risk, and the cover that's right for your business depends on how it actually operates — not just what industry you're in. A sole trader on the tools, a manufacturer with staff and a production line, and a professional practice whose biggest exposure is the advice it gives might all need commercial insurance, but the policies that protect them look nothing alike. We take the time to understand your specific situation before recommending anything, and we place cover across a broad panel of insurers rather than defaulting to a single provider — because the right policy for your business is rarely the most obvious one.
Since 1978, we've been helping business owners across Queensland's southeast get the cover they actually need, not just the cover that's easiest to arrange. That means checking your sums insured as your business grows, flagging risks you may not have considered, and being in your corner when it's time to make a claim. Below are the commercial insurances we most commonly place for our clients — this isn't an exhaustive list, and if you don't see what you're looking for, get in touch and we'll work it out with you.
Business insurance packages
Most businesses start here. A business pack bundles the core covers — property, contents, stock, liability, theft, glass and business interruption — into a single policy, tailored to how your business actually operates. We'll build the right combination for your operation, whether you're on the tools, behind a counter, or running an office.
- Commercial business packages
- Office packages
- Trades packages
- Retail and hospitality packages
- Farm packages
Liability
If someone is injured or their property is damaged because of your business, your products or the people working for you, liability cover responds to the claim and the legal costs that come with it. Many contracts and site inductions won't let you start work without it.
- Public and products liability
- Host employers liability
- Statutory liability
Talk to one of our experienced team about your business insurance
Commercial motor, plant and equipment
Whether it's one ute or a full fleet, cover for the vehicles and machinery your business depends on — including the gear that never sees a public road.
- Commercial motor
- Motor fleet
- Heavy motor
- Mobile plant and equipment
- Trailers
Management and professional risks
The claims that come from running a business and giving advice, rather than from something physical going wrong. Cover for directors and managers personally, for professional advice given, and for employment and fraud exposures.
- Professional indemnity
- Management liability
- Directors and officers liability
- Employment practices liability
- Association liability
- Commercial crime and fidelity
Property and business interruption
Your building, stock, plant and fit-out are only half the picture. If a fire or storm stops you trading, business interruption cover replaces the income you lose while you get back on your feet — which is often what determines whether a business survives the event.
- Industrial special risks
- Commercial property
- Business interruption
- Machinery breakdown
Marine cargo and trade credit
If your business moves goods or sells on credit terms, two of your biggest exposures may never appear on a property schedule. Marine cargo covers your goods while they're in transit — imported, exported, or moving domestically. Trade credit protects your cash flow if a customer can't pay what they owe you.
- Marine cargo
- Goods in transit
- Carriers liability
- Trade credit
Cyber protection
A cyber incident can shut a business down as effectively as a fire. Cover for the costs of responding to a breach or ransomware attack — IT forensics, data recovery, lost income, and your liability to anyone whose information was exposed.
- Cyber insurance
Insurance can be complicated.
Getting the right advice shouldn't be.
Talk to our team today about your business insurance
