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The Capital of Australia’s largest state, Perth is home to over 1,500,000 Western Australians. Unique in its location, Perth is the world’s most isolated continental capital city, and sits closer to Jakarta (the capital city of Indonesia) than to Australia’s own capital city of Canberra.
Despite it’s remote location, the metropolitan area of Perth is a hub of activity and home to businesses big and small which contribute over $27 billion to the Australian economy annually. These businesses are not only essential for the continuing prosperity of the city and state, but also to the economic performance of the country as a whole; as such, they should be protected.
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Businesses in Perth face unique risks in regard to their location. PSC Direct’s Insurance Brokers in Perth have applied their knowledge of the state and its unique climate, economic trends and industries in order to identify risks that Perth Businesses 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.
Our systems do the hard work, quickly matching the insurance that best suits your business.
We do all the hard work analysing insurance policies and their covers to match them against your business risks and needs.
Our expertise insuring thousands of businesses means we know the questions to ask you.
We find the right insurance for your needs and because we operate online we have lower costs to pass more savings on to you.
You can access and update your information at any time of the day and night, when it suits you most.
What Are the Specific Risks Faced By Perth Businesses?
Summers in Perth are typically hot and dry, spanning from December through to late March. During this time, the city is particularly susceptible to thunderstorms and tropical cyclones. For many businesses, the effects of storms and cyclones can be catastrophic, from electricity faults to destruction of assets and structural damages, many Perth businesses are unable to recover when faced with the financial costs of repairs after such an event.
While you have no control over the forces of nature, you can fully insure your assets in order to minimise the financial impact on your business in the face of Perth’s damaging weather conditions.
The city of Perth and its surrounds contribute significantly to the Australian economy, with 12% of income coming from businesses that predominantly operate in the Mining sector.
Mining is one of the world’s most dangerous occupations, with businesses in this industry exposed to a high degree of risk on a daily basis, from cave-ins to gas explosions, vehicle collisions, chemical leakages, electrocution, explosions and fire. Any business operating within this industry should speak to a Perth Insurance Broker for advice on how to manage and mitigate the risks on-site and ensure their business, employees and the general public are adequately protected.
Tourism & Events
Perth is home to the Western Australian Parliament, the Art Gallery of Western Australia, Swan River and Perth Arena. Perth also hosts several cultural events and festivals as well as sporting events throughout the year. As such, tourism is an important contributor to the state’s economy, which hosts approximately 2.8 million domestic visitors and 0.7 million international visitors each year.
Perth Businesses operating within the tourism and events industries are exposed to a number of unpredictable risks, such as severe weather, natural disasters, transport disruption and terrorism; all of which can have serious financial impact on the business. It is therefore imperative that businesses in this niche speak to their insurance broker to put in place an effective risk management strategy that covers their assets.
Retail shopping in the Perth CBD is focussed around Murray and Hay Street, which house a number of arcades. Further large retail outlets can be found in Harbour Town, while boutique stores can be found across the Perth metropolitan area. These businesses face a significant amount of risk during their day-to-day operations, from Public Liability exposure to the risk of theft, fire or flood.
Perth Retail business should consider appropriate insurance cover for their needs. This will depend on a number of factors such as the size of the business, what it sells and the number of employees.Just as every business is unique, so are the risks that they face, and in the case of property damage, these risks can be almost impossible to predict.
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What Do Insurance Brokers Perth Do?
At PSC Direct, we know that choosing the right cover for your business can be complicated. We also know that protecting your business assets and livelihood is imperative.
PSC Direct Insurance Brokers will do the hard work for you. We will source the most appropriate cover depending on your individual circumstances, industry and location. Covers we may suggest for businesses in the Perth region may include:
- Public Liability Insurance: Protects you and your business against the financial risk of being found liable to a third party for death or injury, loss or damage of property or economic loss resulting from your negligence.
- Business Building Insurance: Providing 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.
- Cyber Insurance: Protecting businesses from risks relating to IT infrastructure and activities, covering losses incurred as a result of data destruction, extortion, theft and hacking.
- Product Liability: Coverage for businesses who supply products to their customers or to members of the public, Product Liability insurance can protect the business financially in the even that their product causes harm third party.
- Tax Audit Insurance: Covering professional accounting fees that arise from an audit conducted by the Australian Taxation Office (ATO) or any other Australian (Federal, State or Territory) government agency.
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 Canberra-based business owner, we can find a policy to suit your unique requirements.