Our Business Insurance Broking Service
At Fleurieu & Hills Insurance, our sole mission is to ensure your business survives and grows after a major or minor catastrophe with a comprehensive insurance program that fully protects your business against the insurable risks you choose.
- Fully Understand Your Business
We take the time to fully understand your business from your perspective
- Review of Your Business
Measuring buildings you own, obtaining replacement costs for your buildings, equipment, and stock
- Review of Your Documents
We examine all your documents that contain insurance requirements such as leases, supply and service contracts to ensure your insurance program meets those requirements.
- Review Current Cover
We work with your accountant to ensure your “Loss of Profits” cover is sufficient to cover any long-term loss caused by unexpected delays.
- Occupational Analysis
We do a detailed analysis of your specific occupation to fully understand the known risks to your occupation and look for any unknown risks
- Preparation of Updated Cover
We prepare, design and construct an insurance program that will fully protect you from insurable risks based upon the information you have provided us.
- Secure the Most Suitable Insurance Plan for You
We contact the insurance market seeking quotations for the proposed program.Our markets consist of the overwhelming majority of insurers and underwriting agencies in Australia (well over 160)
- Compare Existing Plan with Updated Plan
We compare your current program to the one we propose clearly highlighting in plain English the differences and why we recommend the covers we do.
- Arrange Payments for Most Suitable Plan
Upon acceptance of our recommendations, we arrange cover and monthly premium payment options should you wish.
Why do I need Insurance?
Without appropriate business insurance you could lose your business and your personal assets.
Insurance helps protect your major assets, don’t leave it to chance.
What insurance or insurances do I need?
Fleurieu & Hills Insurance will help you make this decision. We will then recommend the most appropriate and most cost-effective solution tailored to your business needs.
What Types Of Business Insurance Are Available
Some of our Business Insurance Products include:
Professional Indemnity Insurance
Professional Indemnity Insurance is essential for professionals such as accountants, financial planners, solicitors, consultants and architects; businesses who provide professional services and/or advice.
If your advice or service you provide causes economic loss to your client, you may be sued for the recovery of that loss, plus damages and legal costs.
Professional Indemnity Insurance provides you with the resources to defend legal action and cover damages that may be awarded against you.
For many businesses, $1 million is an effective level of cover but any level can be provided.
Contact Fleurieu & Hills Insurance today 1300 787 820 to discuss your business insurance needs.
Public Liability Insurance
Public Liability is one of the greatest risks a business does face. Public Liability Insurance is one of the first insurance policies that business owners purchase.
If your business, causes an injury to a third party, or damage to their property, your business may be sued for compensation and costs.
Your business can cause a third-party damage though such thingsas copyright infringement, invasion of privacy, slander and libel.
Public liability insurance cost is determined by the level of cover you require.
Contact Fleurieu & Hills Insurance today 1300 787 820 to discuss your public liability insurance needs.
Products Liability Insurance
If your business provides products to your customers, it is essential that you have Product Liability Insurance. This insurance cover is designed to protect you against claims of personal injury and/or property damage caused by products that you supply.
The cost of product liability insurance depends on the type of products you sell, the volume of sales and your position in the supply chain.
Normally, product liability automatically comes with your public liability insurance policies, but it may be purchased separately.
To obtain a quote for Product Liability Insurance tailored to your business, call Fleurieu & Hills Insurance on 1300 787 820
Business Interruption Insurance
Business Interruption Insurance reimburses you for any reduction in your revenue in the event of an insurance claim, such as fire, water damage etc. It enables you to meet your monthly commitments such as loan repayments, leases, rent, & wages etc.
Your business revenue could be adversely affected for an extended period of time, so it is important to identify the benefit period that your business will need to recover from potential catastrophe.
Contact us today on 1300 778 820 to assess the benefit to your business from Business Interruption Insurance.
Directors’ and Officers’ Liability Insurance
This insurance cover protects the Directors, Officers & Employees of your operation from being sued by government, shareholders, competitors and even other employees.
This type of insurance is also covered in Management Liability Insurance which includes additional coverage to provide your business with even greater protection.
Contact us now on 1300 778 820 to learn more about Directors & Officers Insurance.
Management Liability Insurance
- Employment Liability cover – protecting you for wrongful dismissal, or workplace harassment claims
- Theft by employees
- Tax office investigation
- Statutory Fines imposed by government bodies; and
- Directors & Officers Liability cover
Talk to us today on 1300 778 820 to discuss if you can benefit from Management Liability Insurance.
Burglary/Theft/Money Insurance cover protects your cash, stock and your valuable equipment.
Employee Dishonesty can cover you for theft or dishonesty by an employee.
Theft without forcible and violent entry is a separate cover again that maybe relevant.
Burglary/Theft/Money Insurance is usually combined with a Business Insurance Policy when you are Public Liability Insurance.
Contact us now on 1300 778 820 to learn more about Burglary/Theft Insurance.
Association Liability Insurance
Association Liability Insurance is insurance for ‘Not-For-Profit’ organisations. This insurance provides cover for items such as management negligence, liability claims and areas of employment practice. It also provides cover for your organisation’s volunteers, employees or committee members.
Contact us now on 1300 778 820 to learn more about Association Liability Insurance.
Tax Audit Insurance
Tax Audit Insurance provides cover to meet the expenses associated with preparing records & responding to an audit or investigation by a government body.
Note:This cover does not extend to meet any fines payable.
Tax Audit insurance is provided in a Management Liability policy and is a more economical way to obtain this cover.
Contact us now on 1300 778 820 to learn more about Tax Audit Insurance.
Motor Fleet Insurance
Motor Fleet Insurance is for businesses with ten or more vehicles.
This insurance cover provides additional benefits to the standard Commercial Motor Insurance policy.
Vehicles that may be covered by business fleet insurance include:
- The business owner’s personal cars
- Vehicles driven by senior management
- Vehicles driven by sales reps
- Heavy transport vehicles
- Mobile plant and equipment.
Contact Fleurieu & Hills Insurance now, on 1300 778 820to learn the benefits of fleet insurance for your vehicles or to arrange a quote.
Key Person Insurance
Key Person Insurance protects your business in the event one of your key employees is incapacitated through injury or illness for an extended period.
Your business is compensated for the loss of this key person; which helps to preserve not only the value of your business but potentially its ongoing viability as well.
Contact us on 1300 778 820 to learn more about Key Person Insurance and its benefits for your business.
Machinery Breakdown Insurance
This protects you against costly repair bills and even replacement of equipment utilised by your business. A regular service agreement is in some cases is a pre-requisite to obtaining cover, but will also help reduce the cost of this cover.
An extension to this as able to cover the loss of stock due to the breakdown of refrigeration equipment.
Contact Fleurieu & Hills Insurance now, on 1300 778 820 to learn the benefits of Machinery Breakdown Cover for your plant and equipment or to arrange a quote.
Spoilage Of Stock Insurance
Spoilage of Stock Insurance cover applies following the breakdown of your refrigeration equipment. In most cases, this cover is only available on the basis that your have Machinery Breakdown cover.
This type of insurance should be seriously considered by businesses in the food related businesses.
Contact us now on 1300 778 820 to discuss if Spoilage of Stock Insurance is appropriate for your business.
Tools Of Trade Insurance
Tools of Trade Insurance, provides cover for your valuable equipment & tools whilst you are out on site & even on the way to site.
Your tools are essential to the ability of most tradies to earn their living, so this type of cover is essential if that is the nature of your business.
Valuable specialised equipment also requires protection for the professional utilising portable equipment away from the office.
Contact us now on 1300 778 820 to discuss your Tools of Trade Insurance needs.
Our tailored insurance broking service coupled with our extensive experience has created many years of satisfaction and peace of mind for our clients.
Does Using an Insurance Broker cost more?
In most cases very charge a very modest “Broker Fee” to help pay our costs in providing a specialist claims service to you. This fee is included in your annual premium.
In addition, we ensure that all policies that we recommend, also have “Claims Preparation Costs” included to bring specialist claims preparers and assistants for complicated claims.
This helps ensure that we are able to provide the best possible claims service for you.
Why Insure through Fleurieu & Hills Insurance?
Our experts with over 50 years insurance experience will take the time to learn about your business. We go out of our way to develop a deep understanding of your business so that we can recommend the insurance products that best suit your needs.
Being highly experienced means that we will find the insurance product/policy that is most appropriate for your business and your circumstances.
Our insurance brokers take the stress out of selecting insurance for your business.
If you need to make a claim on your insurance, we are able to handle the claim on your behalf, through our Insurance Claims Assistance service. This relieves you of the stress of dealing with the insurance company yourself, during what may be a difficult time.
Our Service Areas
Because we are local to the Fleurieu and Adelaide Hills we can also offer you face-to-face assistance in the following locations:
- Adelaide Hills,
- Fleurieu Peninsula,
- Langhorne Creek,
- McLaren Vale,
- Mount Barker,
- Mount Compass,
- Port Elliot,
- Victor Harbor,
Let our experts look after your insurance needs today