BUSINESS INSURANCE

Grace insurance can help you select the business or office insurance suited to your industry whether you are in Trades, Retail Outlets, Wholesalers, Manufacturers, Office & Administration and Property Owners.

You have worked hard to create your business, and the last thing you want is to have unplanned costs ruining it. How do you prepare for emergency expenses? You need insurance cover specially designed to protect your company when challenges arise. That’s what business insurance is for – and Grace Insurance can help.

Business insurance is for every business operator. Whether you have been operating for some time or just served your first ever customer, you need business insurance. Don’t risk all the effort you have put in by not protecting your assets from unforeseen events. With the help of Grace Insurance, you have business insurance that ensures you will be in business for the years to come.

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Risks & Cover

Operating a business involves a lot of risks that can leave you financial distress or even bankruptcy. With many insurance products available, you can find the most suitable based on your objectives, circumstances, and requirements. Grace Insurance can help you with the right insurance for your business.

You can be covered against a variety of risks, such as:

Damage by fire and perils

Water damage – storm and tempest

Accidental damage

Business interruption – loss of profits

Burglary – theft following forcible entry

Money

Glass

Electronic portable equipment i.e. laptops, Australia wide

Business insurance products that you can choose from include:

  • Public Liability, also called Public and Products Liability Insurance – Designed to protect your business against liabilities requiring you to pay compensation for third party injuries or property damage
  • Commercial Property – Protection for the commercial property, including the business building and contents or stock in case of accidental damage after a fire or storm
  • Business Interruption – Lost income coverage if you have to halt operations temporarily due to unexpected events, such as fire and storm
  • Glass – Coverage for the repair or replacement of broken glass at the business premises
  • Theft – Insurance for losses due to theft of insured assets or property, which can include equipment or stock
  • Money – Coverage for money stolen from the company. Conditions apply, such as the money should be taken during business hours. If stolen outside business hours, money should be in a locked safe.
  • Electronic Equipment – Coverage for repairs or replacement of electronic devices like computers used at the business premises
  • Commercial Vehicle – Covers accidental damage caused by the company (including you or your employees) while performing a job. Business vehicles you own may also be covered, usually if you have Comprehensive Cover.
  • General Property – Complete protection for insured property, including portable equipment and tools if they get damaged or stolen
  • Management Liability – Coverage for the business, specifically the employees, directors, officers, and owners for wrongful acts alleged by a third party entity

Business insurance generally covers material damage loss for insured physical assets, such as machinery, electronic equipment, vehicles, and commercial property. It also protects you against financial loss in case of business interruption. However, it does not cover negligence or breach of duty due to an act or error upon providing professional services. Other exclusions and inclusions will be specified on your schedule.

Why You Need Business Insurance

You probably think that business insurance is just another expense on your already growing pile. That is until you get taken to court, or you lose expensive machinery due to breakdown. Accidents and mishaps can happen no matter how careful you are. That’s why all businesses of all ages and industries require business insurance.

If you offer professional or specialist advice, you should be covered to stay protected against claims for damages resulting from error or omission. Like many businesses today, you probably rely on digital infrastructure, too, which means you’re exposed to cybercrime. You need insurance that can cover issues like data breaches and theft of customer information.

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Grace Insurance Experts

We understand that insurance is a vast, complicated subject matter. Before you compare policies, you should first know what your business needs. Don’t replicate another business’ cover just because you’re in the same industry. That’s why we have experts who are always happy to provide general advice and assistance.

Grace Insurance is known for putting customers first. We answer your questions and aim to give you the compensation you deserve when it is time to make a claim. No hassle, no stress – just an honest service that you would expect from an insurance provider.

Contact Us

Do you require more information about a business insurance product you’re interested in? Perhaps you work from home and wonder if you need business insurance. Whether you operate in a facility or at home, Grace Insurance can help. Speak to a business insurance expert today and be guided on the most suitable insurance for your company, no matter what industry.

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