Insurance for Small Business
To be successful in business, you want to be able to focus on the things you do best – like looking after your customers and staff. And that means getting the right advice and the best business insurance solutions available.
At Think Insurance Solutions, we can work with you to come up with a Business Insurance solution that’s tailored specifically to your needs. It means you can get on with the day-to-day running of your business, without losing sleep over what might happen tomorrow.
Ready to jump in? Contact Think Insurance Solutions today for a quote or to chat about any questions you may have concerning your current business insurance policy.
Insurance covers available include ...
Fire and Other Damage
Your building and business contents are covered from certain specific events including fire, storm, lightning, impact by vehicles, explosion, earthquakes and accidental damage. Flood cover may be available depending upon the location of your business.
If someone breaks into your premises you are covered for the theft of stock and other business contents. Theft or loss of money can be insured under the Money option.
Fire and Other Damage cover helps to repair and replace your damaged property. But what about your lost income from not being able to trade while repairs are underway? Business Interruption Insurance covers you for loss of gross profit or gross rentals (for landlords) following an insured event such as fire, storm and burglary.
You’re covered for the replacement value of broken glass including the cost of temporary shuttering, replacement of sign writing and repair of plastic signs. Any stock damaged by the broken glass is also covered.
Public and Products Liability
Your legal liability for personal injury to others or damage to others property due to an occurrence involving your business. Public Liability Insurance is the best way to protect you against the risk of someone being injured, or having their property damaged as a result of your activities – regardless of who’s at fault.
Fraud and Dishonesty
You are covered for the loss of money or goods due to any act of fraud or dishonesty by your employees, whether they are acting in collusion with others or alone.
Goods in Transit
Loss or damage to your goods being transported (by you or another carrier) as a result of an accident.
You’re covered for loss or theft of money from certain locations including your business premises, your residence and whilst in transit to the bank.
Breakdown of electrical or electronic equipment including computers, air-conditioners and other equipment. You can also cover loss of refrigerated goods as a result of a breakdown.
Professional fees incurred by you, including legal and accounting fees, associated with a tax audit of your business.
Cover for mobile items such as mobile phones, tablets, laptop computers or other electronic equipment whether you’re in the office or anywhere else in the world.
Covers many liabilities that directors, officers, employees and private companies face such as, actions by regulators, shareholders and liquidators as well as for claims by employees for unfair dismissal and other employment practice related liabilities.
This can provide you with an income, should you have an accident or become ill and are unable to work. You can choose Accident only cover, or Accident and Illness. You may also include cover for Hazardous Pursuits (football, water skiing, polo etc.)
Comprehensive, Third Party and Third Party Fire and Theft cover is available for all your vehicles from sedans and utilities up to trucks and prime movers. Cover for mobile plant and equipment is also available.
Contact our friendly team today to discuss you needs.