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Business Insurance

Insurance made easy with Ausure Rutherford Street Insurance Services

Ausure Rutherford Insurance Services can provide a quality solution for your Business Insurance needs.

Ausure Rutherford Insurance Services have been helping businesses stay protected for a combined 85 years! We pride ourselves on providing our clients with trusted advice and business insurance solutions you can rely on – and if the times comes to make a claim, we manage the entire claim for you and fight as your ally. We’re on your side, not the insurers.

What types of industries and occupations do we help with?

  • Farm and Agriculture (Including wineries, fruit and nut farming)
  • Tourism (Such as Cruises, Attractions, Festivals and events)
  • Retail (Including clothing, electronics and other shops)
  • Hospitality (Restaurants, Cafes, Hotels, Motels and Bed and Breakfasts)
  • Healthcare (Including specialist clinics and medical practices)
  • Construction (Tradesman, Contractors, Subcontractors, Engineers, Surveyors and Architects)
  • Financial Services (Advisers, Accountants)

Important things to know when comparing Business Insurance.

  • Type of Insurance: Understand the different types of insurance and assess which ones your business needs. Some common types include Public Liability Insurance, Professional Indemnity Insurance, and Workers Compensation Insurance.

  • Coverage: Review the extent of coverage of each policy. Ensure the policy covers all aspects your business needs protection for, including property damage, legal liability, employee-related risks, and business interruption.

  • Policy Exclusions: Be aware of any exclusions in the policy to ensure your business is fully covered. Exclusions are specific conditions or events that are not covered by the policy.

  • Cost: Compare the premiums, excess, and other costs associated with the insurance policy. Opt for a policy that provides ample coverage at a reasonable cost.a
  • Insurer’s Reputation: Choose an insurer with a good reputation for handling claims fairly and promptly. You can check reviews, ratings, and complaints to gauge the insurer’s reputation.

  • Claims Process: Understand the claims process, including the documentation required and the timeframe for claim settlement. A simple and quick claims process is preferable.

  • Policy Limit: Evaluate the policy limits to ensure they are adequate to cover potential losses. Avoid underinsurance, as it can lead to significant financial strain on your business in the event of a claim.

  • Legal Compliance: Make sure the insurance you choose complies with Australian legal requirements, especially for compulsory insurances like Workers Compensation Insurance.
  • Additional Benefits: Look for policies that offer additional benefits or add-ons that are relevant to your business needs.
    Review Periodically: Regularly review your insurance policy to ensure it remains suitable for your business as it grows and evolves.

  • Professional Advice: Consider seeking advice from an insurance broker or consultant who can help analyze your business risks and guide you in choosing the right insurance.

What types of Business Insurance cover are available?

Business Package

Business insurance is essential for Australian businesses, providing comprehensive coverage for a range of risks that you may face. The policy can be customised to meet the specific needs of your business, ensuring that you are adequately protected against the risks that are most relevant to your operations.

Public Liability

Coverage for businesses and individuals against legal claims by third parties for bodily injury, property damage or financial losses resulting from negligence. Having public liability insurance is important for businesses that interact with the public, as it protects them from potential claims that could cause financial harm.

Professional Indemnity

Can help manage and mitigate the risks and liabilities associated with providing professional services, and provide financial and legal protection in the event that a claim is made. Can also provide protection against claims made by third parties for any errors or omissions in the professional services provided by the business or its employees.

Cyber Insurance

Designed to protect businesses from various cyber-related risks, such as data breaches, business interruption, and network damage, providing financial support and expertise for managing and mitigating cyber incidents. It's an essential safeguard in the digital age, helping businesses to recover swiftly and efficiently from cyber events, minimising disruption and financial loss.

Tradie Insurance

Trades Pack Insurance in Australia is a tailored insurance package designed for tradespeople, offering comprehensive coverage for tools, equipment, and public liability, safeguarding trades professionals against potential financial losses, damages, or liability claims arising from their work.

Retail & Hospitality

Retail or hospitality businesses in Australia need insurance to safeguard against a multitude of risks including property damage, theft, public and product liability, and employee-related incidents, ensuring financial stability and continued operation in the face of unforeseen adverse events or claims.

Trade Credit Insurance

Provides businesses with protection against the risk of non-payment by buyers, covering losses that may arise from a customer's insolvency, default, or delayed payment. This type of insurance enhances business cash flow and facilitates trade, enabling companies to extend credit to their customers with confidence.

Landlord Insurance

Covers property owners from financial losses connected with rental properties, including coverage for damage to the property, loss of rental income, and liability protection, ensuring that landlords are financially protected against various risks associated with leasing their property.

Mobile Plant & Equipment Insurance

Mobile Plant and Equipment Insurance in Australia covers mobile machinery against damage, theft, or breakdown, ensuring financial security and operational continuity for businesses reliant on such equipment in case of unexpected events.

Commercial Motor & Fleet Insurance

Provides coverage for businesses against financial loss and liability related to their vehicles, offering protection for a single commercial vehicle to an entire fleet. It covers damages caused to or by your vehicles, including accidents, theft, and other risks, ensuring uninterrupted business operations and protection against unforeseen expenses.

Commercial Strata Insurance

Provides comprehensive coverage for the building and common areas or facilities of a strata title property used for business purposes. It typically covers risks such as damage to the building, public liability, theft, and the cost of repairs or rebuilding, ensuring financial security for the owners and stakeholders of the strata property.

Residential Strata Insurance

Residential Strata Insurance in Australia is a mandatory insurance that provides coverage for residential strata-titled properties, covering common or shared property as defined on the title's plan, against risks like fire, theft, and liability for injury on common property. This insurance ensures that the building structure and common areas are protected financially in the event of damage or loss.

Our Insurer Partners

Let us do all the hard work for you! We compare policies from multiple insurers to ensure you have the right policy, the right price and most importantly – the right coverage.

AIG
Allianz
Zurich
Blue Zebra
VERO

Let us help you with your Business and Commercial Insurance needs.

Prefer to meet in person? Find your local broker here.

Not sure what you need or prefer to get a full risk review? No problem, submit your enquiry here and we will get back to you.

Ausure Rutherford Street Insurance Services are part of Australasia’s largest general insurance broker network, the Steadfast Group. We leverage Steadfast’s scale to ensure our clients have access to a wide range of insurance companies, a broad range of products, exclusive policy options, and of course, competitive pricing. And when the time comes and you need to make a claim, you will have the backing of Steadfast behind you.

Steadfast Broker
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