Nikki Sheppard

Account Executive


Bruce Mather

Business Development Manager

Business Insurance can be best described as insurance cover that protects your business from a range of unexpected events. Such events may include storm damage, broken glass, slips and falls in your business or income loss as a result of a fire.


A range of covers are offered under your business insurance policy. However, the level of cover for one business may be entirely different from another.


A qualified insurance broker can assist you in choosing the level and types of cover that may be necessary for your business.


Most business insurance policies will include the following cover options;


Property Insurance

This section covers business property such as Buildings, Stock, Contents and Customer Goods against fire or other perils such as water and storm damage.


Business Interruption

In the unfortunate event of a loss such as a fire at your business,your income is likely to be affected.


This section covers your loss of profits and additional costs incurred following damage to the business.



A burglary can be costly and cause major disruption to a business. Burglary cover covers stolen property.



The money section covers money stolen from your premise, whilst you are in transit or even at your private residence.



You are a tenant under most lease agreements and so you will be required to insure glass in the building you tenant. Glass insurance not only covers external glass but internal glass as well as signage if they are broken during the insurance period.



Liability insurance provides cover for amounts which you may be liable to pay for personal injury and property damage to third parties in connection with your business. Third parties may include customers, contractors and others who visit your premise.


Machinery Breakdown

Most machinery is operational 24 hours a day and break down will eventually occur. This section covers sudden and unforeseen loss to your plant and machinery. It also covers stock whilst in cold storage and fridges.


Electronic Equipment

This section covers unforeseen or sudden loss to electrical equipment. This section can also cover the restoration costs of data that may be lost.


Management Liability

This covers a range of management issues such as governance, finance and management activities faced by owners and managers of companies. Issues range from alleged mismanagement of the Company by the Directors (Directors and Officers Liability), Staffing issues, e.g. unfair dismissal of staff, Crime losses – e.g. theft by staff, Statute Law Breaches – e.g. Work cover and Tax Audit costs. Hence, the section provides cover for legal costs and compensation that arise from allegations you have caused loss to someone else and should be seriously considered.


Cyber insurance

This section is becoming so important in the 21st century with a heavy reliance on computers and the digital space. A cyber policy provides the business with protection against extortion, hacking, social engineered theft, stolen identity, privacy errors, telephone phreaking and more. Cyber crime is fast becoming one of the most concerning areas to many businesses large and small.


Goods in Transit & Marine Cargo

If your business involves the importing or local transportation of your goods by road, sea or air, this section covers those goods whilst being transported until point of delivery.


General property

If you have mobile equipment such as phones, iPads or specific business equipment, this cover provides protection when they are away from the premise.


How can we help?

We insure businesses of varying sizes all around Australia. We listen to your needs and understand what you do, we use our years of experience in the insurance industry and market know how, we rely on our experience with similar businesses and tools available to us to research the market and provide you with business insurance cover suitable to you.


We are backed by the strength of Steadfast Limited, Australia’s largest general insurance distribution network.

What can go wrong?

Most people would think that a store inside a shopping centre would be safe from smash and grab.

However, at approximately 3.45am on 3rd of January, 2018 three hooded bandits drove their 4 wheel drive vehicle into the entrance of Uni Hill factory outlet shopping centre in Bundoora, Victoria. Once inside they targeted a jewellery store and stole $30,000 worth of stock.



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