Business Insurance Australia

Business insurance advice and quotes at your fingertips.

Australia is a wealthy country, generating its income from various sources including mining-related exports, telecommunications, banking and manufacturing. Businesses across the country keep the economy strong and employ over 11.5 million people nationwide. These businesses are vital to the future success of the country and as such, should be protected.

Australian Business Insurance can protect a number of different areas of your business, depending on your individual circumstances. It can protect you, your employees and any members of the public you work to ensure that an unexpected event doesn’t have a long lasting negative impact.

Depending on your cover, it may also provide financial support if your business is unable to operate following an unexpected event such as a fire or natural disaster.

What is Business Insurance Australia?

Owning a business in today’s volatile business environment can be difficult, with today’s business owners often putting their own finances on the line to ensure their business keeps running. Business Insurance can help you manage risk, reduce uncertainty and protect your livelihood.

Our Insurance Brokers can help your business survive the unexpected, with minimum losses.

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There are a number of territory and federal government initiatives that provide support networks, resources and grants for small businesses.

PSC Direct Insurance Brokers understand the specific risks that businesses in Australia are exposed to.

We make it our number one priority to source an insurance solution that addresses these risks and protects local businesses for the long term.

What Are the Specific Risks Faced By Australia Businesses?

Extreme Weather Events

Severe weather often affects businesses across the Australia. Brisbane lies in the Tropical Cyclone Risk area and is often exposed to major floods, and storms, and can also face severe drought for prolonged periods. Darwin and Perth are also often exposed to tropical cyclones and monsoon rain during the wet season. While Sydney is often spared from the cyclones that hit other parts of the country, it is often subjected to bushfire and severe hail and windstorms.

Severe, unpredictable weather conditions can cause serious damage to business properties, so Australian businesses should ensure their assets and property are fully covered.

Tourism

Australia is a popular tourist destination, attracting over 6 million visitors annually. With attractions such the Opera House, the Harbour Bridge and Bondi Beach, Sydney is one of the most popular tourist destinations in the world, and Australia’s other major cities Melbourne, Perth and Brisbane aren’t far behind. Businesses in the hospitality sector are however exposed to certain risks unique to the industry as managers and business owners have to deal with a wide array of human behaviour, often with the added involvement of alcohol. All businesses operating in the hospitality and tourism sector should therefore be appropriately covered for things like Public Liability, Fire and Storm Damage, Theft and Personal Injury.

Mining

Darwin’s mining and energy industry production exceeds $2.5 billion annually, while Perth and its surrounds generate 12% of income from businesses that predominantly operate in the Mining sector.

However, mining is one of the world’s most dangerous occupations. Miners face several dangers while carrying out their day-to day work, from cave-ins to gas explosions, vehicle collisions and fire. Businesses operating within the mining industry across Australia should take necessary steps to reduce the risk that they are exposed to, and ensure they have adequate insurance in place to cover them financially should an incident occur.

Import Export

Australia is the 21st largest export economy in the world, exporting mostly Iron Ore, Coal Briquettes, Petroleum Gas, Gold and Crude Petroleum. Its top imports are Refined Petroleum, Crude Petroleum, Cars, Computers, and Packaged Medicaments.

Businesses operating within Australia’s Import Exprot sector are heavily involved with the loading, transportation and unloading of goods, on both a national and/or international scale, and workers are exposed to a varied set of diverse risks that are unique to the nature of the work. It is vital that businesses operating across this sector are fully protected with adequate insurance cover.

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What May Australian Business Insurance Cover?

Choosing the right cover for your business can be complicated, but it is vital in protecting your business, assets and livelihood from unpredictable events. At PSC Direct, we make it easy for you to get the cover you need, when you need it.

Our expert Australian Business Insurance Brokers have analysed the risks across the country, and have extensive experience insuring businesses in Australia. We can source the most appropriate cover for your business, whatever sector you operate in. Insurance Covers we may suggest for Australian businesses may include:

  • Business Building Insurance: Providing your company with financial protection in the event that your building is damaged or requires structural improvements as a result of flood, fire, earthquake, theft, burglary or storm damage.
  • Business Travel Insurance: Protecting your business property from perils such as fire, theft and natural disaster.
  • Import Export Insurance: Covering the risks of loss or damage to goods and merchandise while in transit by any method of transport including sea, rail, road or air, and while in storage anywhere between the points of origin and final destination.
  • Machinery Insurance: Covering your machinery and equipment. This type of cover is more specialised than commercial motor vehicle insurance, most notably because it covers off-road usage.
  • Marine Cargo Insurance: Covering the risks of loss or damage to goods and merchandise while in transit by any method of transport including sea, rail, road or air, and while in storage anywhere between the points of origin and final destination.
  • Public Liability Insurance: Providing protection against legal and court costs in the event that someone is injured, or has their property damaged while you are providing a service to them.

Get a Quote

As specialist small business insurance brokers, PSC Direct uses our considerable experience to provide multiple quotes for you. Combining our expertise insuring thousands of other similar businesses with our detailed database of insurers and insurance products; we’re best placed to advise you on the right insurance for your business.

We have strong relationships with the leading underwriting agencies and insurance companies. We can source the most appropriate business insurance policy for you, covering you for what you really need, at the right price.

If you are a Australia-based business owner, we can find a policy to suit your unique requirements.