Small Business Insurance

We use the following types of cover to enable us to protect your business assets, revenue and liability:

Fire & Defined Events - covers destruction of, or damage to, your buildings and contents through fire and other perils as lightning, explosion, malicious damage, earthquakes, storm, and water damage.
Business Interruption - provides cover if business is interrupted through damage to property by fire or other insured perils. Cover ensures ongoing expenses are met and anticipated net profit is maintained through a provision of cash flow.
Burglary & Theft - covers the following areas when theft occurs involving violent, forcible entry: loss or damage to stock, goods held in trust and all contents for which you are responsible within the premises. Note: It does not normally cover theft by employees or others entitled to be on the premises.
Portable Property - make sure that you protect the tools you use against theft, loss and damage. This can include a range of property from tradesman’s tools to cameras and other portable equipment.
Engineering Equipment - some plant must be inspected and certified annually. Usually obtained within an engineering policy, which covers equipment against such risks as breakdown and explosion.
Goods in Transit - cover against loss or damage to your property while in transit, either within Australia or on a worldwide basis (depending on your needs).
Loss of Money - cash and items such as postal orders, cheques and stamps are insured against theft from business premises or while in transit.
Motor Insurance - all company/business vehicles must be insured for third party injury liability. A comprehensive policy will also insure for third party property damage and own damage.
Public Liability - very important. This covers you against claims by people who may suffer injury or damage to property while on your premises, or while you are working at their premises.
Products Liability - if you sell, supply or deliver goods, even in the form of repair or service, you may need cover against claims of goods causing injury or damage.
Professional Indemnity - businesses which supply advice of any kind can be sued for financial loss due to errors or omissions, and may therefore need this protection.
Employment Practices Liability - a relatively new type of insurance protecting employers against claims and legal costs by employees arising from allegations of inappropriate conduct in connection with their employment. This could include, for example, sexual harassment, wrongful dismissal, or discrimination on the basis of age, race, sex or religion.

*All Insurance Broking and General Insurance products and services advice is provided by AP Kane Insurances Pty Ltd t/as AP Kane Insurance Brokers are Corporate Authorised Representatives of NAS Insurance Brokers ABN 60 096 916 184, Australian Financial Services Licence number 233750.