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Why you need

business insurance

No matter how small or large your business may be, there are always risks involved. From natural disasters to employee accidents, the potential for unexpected events is always lurking in the background. And if one of these risks were to occur, the financial consequences could be catastrophic for your business.

Don't take any chances with your company's future - invest in business insurance today.

How Ensura Brokers

can help

Our team does all the heavy lifting for you by finding you a policies that protect your business from risks it may face, without breaking the bank. 

We know it can be hard to predict the future, so our Sydney-based insurance brokers always make sure to get a clear understanding of how your business operates, and begin the journey to sourcing appropriate cover for you.

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What does business insurance cover?

Business packages can include different important insurance policies. Here are some of the most common business insurances you might want to consider for yours.
Property Cover

Cover for property repair or replacement in case of damage

Business Interruption

Cover for loss of trading profit and additional costs due to damage to property

Professional Indemnity

Cover for professionals against claims of negligence or wrongful acts in their work


Cover for personal injury, property damage, and legal defense costs in the event of a liability claim or lawsuit


Cover against hacking, ransomware attacks, network breaches, and the regulatory action that may follow


Cover for costs associated with equipment and machinery breakdown

Frequently asked questions

How can I determine the right business insurance policy for my small business?

Determining the right business insurance policy for your small business depends on your specific needs, objectives, financial situation, and the potential risks you face. As a business owner, you should consider various types of business insurance, such as public liability insurance, professional indemnity insurance, cyber liability insurance, and workers compensation insurance.

To ensure you find the best policy, it's crucial to compare business insurance policies from various insurance providers. At Ensura Brokers, we offer professional advice and a range of business insurance quotes tailored to your unique circumstances. We'll help you navigate the options and choose the right coverage to protect your business assets and address your financial situation or needs.

What does public liability insurance cover, and why is it essential for my business?

Public liability insurance provides coverage for your business in the event of third-party personal injury or property damage claims arising from your business activities.

It is a vital component of your overall business insurance policy, as it can help protect your financial situation by covering legal costs, compensation claims, and any other expenses related to such incidents. This insurance is essential for businesses of all sizes, but particularly for small businesses and business owners who may face significant financial setbacks if held liable for damages.

Public liability cover offers peace of mind and ensures that your business can continue to operate even in the face of unexpected challenges.

Can I customise my small business insurance policy to suit my unique needs?

Yes, at Ensura Brokers, we understand that each small business has unique requirements, risks, and financial situations. We offer flexible cover options and a wide range of small business insurance policies, such as property damage insurance, flood cover, commercial vehicle insurance, and employee dishonesty coverage, to help you build a comprehensive business insurance pack that addresses your specific needs.

Our team of experts will provide professional advice and guidance to ensure you choose the right combination of insurance covers, safeguarding your business assets and maintaining your financial stability.

What is the difference between professional indemnity insurance and public liability insurance?

Professional indemnity insurance protects your business from claims related to professional negligence, errors, or omissions in the services or advice you provide. It covers legal costs, compensation claims, and any other expenses associated with defending or settling such claims, ensuring that your financial situation remains secure.

On the other hand, public liability insurance covers claims arising from third-party personal injury or property damage resulting from your business activities.

Both types of insurance are crucial for safeguarding your business assets and maintaining your financial stability, as they address different risks and potential liabilities.

How does business interruption insurance work, and why is it important for my business?

Business interruption insurance, part of your business insurance policy, provides coverage for loss of income and operating expenses if your business is temporarily unable to operate due to unforeseen events like natural disasters, fires, or significant property damage.

This type of insurance helps maintain your financial situation by covering costs such as rent, employee wages, and loan repayments while your business recovers.

Ensuring that you have business interruption insurance in your business insurance pack is essential to safeguard your business's continuity and financial stability during unexpected disruptions.

How do I estimate the cost of business insurance for my small business?

The cost of business insurance varies depending on factors such as your industry, business size, location, and the specific risks your business faces.

To estimate the business insurance cost, you can request business insurance quotes from insurance providers like Ensura Brokers. We'll consider your unique business circumstances, objectives financial situation, and the types of coverage you need to provide a tailored quote.

Comparing business insurance quotes from different providers will help you find the most suitable coverage at the best price for your small business.

Can I include commercial vehicle insurance in my business insurance policy?

Yes, commercial vehicle insurance can be integrated into your business insurance policy to protect your business assets, such as cars, vans, and trucks, used for business purposes.

This type of insurance covers property damage, third-party personal injury, and legal liability arising from accidents involving your commercial vehicles.

By including commercial vehicle insurance in your business insurance pack, you can ensure comprehensive protection for your business assets and maintain financial stability in the event of vehicle-related incidents.

How do I update my business insurance policy as my business grows and evolves?

As your business grows and evolves, your insurance needs may change. It's essential to regularly review your business insurance policy to ensure it remains relevant and provides adequate coverage for your changing circumstances.

At Ensura Brokers, we offer ongoing professional advice and support to help you assess your insurance needs and make necessary adjustments. Whether you're adding new services, expanding to new locations, or hiring more employees, we can help you modify your business insurance policy to address your objectives, financial situation, and evolving risks.

How does landlord insurance differ from standard business insurance, and do I need both?

Landlord insurance is a specific type of coverage designed to protect property owners who rent out their commercial or residential properties. It covers risks such as property damage, tenant-related issues, loss of rental income, and legal liability.

In contrast, standard business insurance covers a broader range of risks related to your business operations, such as public liability, professional indemnity, and workers compensation.

If you own a property used for business purposes and also rent it out, you may need both landlord insurance and standard business insurance to ensure comprehensive protection for your business assets and financial situation.

Can I get a business insurance policy that includes coverage for employee theft and dishonesty?

Yes, employee theft and dishonesty coverage can be included in your business insurance policy to protect your business from financial losses caused by fraudulent or dishonest acts by your employees.

This type of coverage can help cover costs associated with theft, embezzlement, forgery, and other forms of employee dishonesty.

By adding employee theft and dishonesty insurance to your business insurance pack, you can safeguard your financial situation and maintain your business's stability in the face of internal threats.

How do I switch my business insurance provider?

Switching your business insurance provider is a straightforward process. Start by comparing business insurance quotes from different providers to find the best coverage and rates. Once you've selected a new provider, notify your current insurer of your intent to cancel and coordinate the policy transition with your new provider to avoid gaps in coverage.

Is flood cover automatically included in my business insurance policy, or do I need to add it separately?

Flood cover is not always automatically included in standard business insurance policies, so it is essential to check your policy's details and ensure adequate coverage for your business premises.

If your business is located in a flood-prone area, you may need to add flood cover as a separate component of your business insurance policy.

At Ensura Brokers, we can help you assess your flood risk and customise your insurance policy to include flood cover, ensuring comprehensive protection for your business assets and financial situation.

What factors should I consider when choosing the right business insurance policies for my company?

Selecting the appropriate business insurance policies for your company requires careful consideration of various factors. It's essential to assess your unique needs and financial situation, as well as the specific risks your business faces.

First, analyse your industry and identify the most common types of risks associated with your line of work. For example, a construction company may require more extensive public liability and property damage coverage, while an IT consultancy might prioritise professional indemnity and cyber liability insurance. Understanding these risks will help you tailor your business insurance policy to provide the necessary protection.

Next, consider the size and structure of your business. Small businesses and start-ups may have different insurance needs compared to larger, more established organisations. Small business owners should focus on flexible cover options that can be easily adjusted as the business grows and evolves.

Also, evaluate your company's financial situation and the potential impact of various incidents on your bottom line. This assessment will help you determine the appropriate coverage levels and limits to protect your business from significant financial setbacks.

Finally, consult with a professional insurance broker like Ensura Brokers. Our team of experts can provide personalised advice and help you compare business insurance policies to find the most suitable and cost-effective options for your company.

By considering these factors and working with a trusted broker, you can ensure comprehensive protection for your business assets and maintain your financial stability.

How can I reduce the cost of my business insurance without compromising on coverage?

Reducing the cost of your business insurance while maintaining adequate coverage requires a strategic approach. There are several steps you can take to ensure you get the best value for your investment without sacrificing protection for your business.

1. Assess your risks: Begin by evaluating the specific risks your business faces and prioritise the types of insurance that are most relevant to your industry and operations. This assessment will help you avoid unnecessary coverage and focus on the essential protections your business requires.

2. Implement risk management measures: Invest in robust risk management strategies to minimise potential hazards and reduce the likelihood of incidents occurring. By demonstrating your commitment to risk mitigation, you may be eligible for lower insurance premiums.

3. Bundle your policies: Many insurance providers offer discounts for bundling multiple policies. Combining your various business insurance needs into a single, comprehensive package can result in significant savings.

4. Increase your deductible: Opting for a higher deductible can reduce your premium costs. However, ensure that you can afford to pay the increased deductible in the event of a claim.

5. Work with a professional broker: Enlist the help of an experienced insurance broker like Ensura Brokers. Our team can help you compare business insurance quotes from multiple providers, ensuring you find the most competitive rates and tailored coverage for your unique needs.

By adopting these strategies and working closely with a trusted broker, you can reduce your business insurance costs without compromising the protection your company requires.

What should I know about insuring my business premises and its contents?

Insuring your business premises and contents is essential for protecting your company's physical assets and maintaining financial stability in the event of property damage, theft, or other incidents. To ensure comprehensive coverage, consider the following aspects when selecting insurance for your business premises:

1. Property insurance: This type of insurance covers your business premises, including the building itself and any permanent fixtures or fittings. It provides protection against damage caused by events such as fires, storms, and vandalism. Evaluate the replacement cost of your premises and choose an appropriate coverage limit to ensure full protection.

2. Contents insurance: This coverage protects the items inside your business premises, such as furniture, equipment, and inventory. It covers losses resulting from theft, damage, or destruction. Conduct a thorough inventory of your business assets and assess their value to determine the appropriate coverage level.

3. Business interruption insurance: In the event your business premises become unusable due to a covered incident, this insurance helps cover the loss of income and ongoing expenses, such as rent and employee wages. It ensures your business can continue operating financially during the recovery process.

4. Additional coverage options: Depending on your business's unique needs, consider adding specialised coverage such as electronic equipment insurance, flood cover, or glass breakage insurance to further protect your premises and contents.

5. Seek professional advice: Consult with an insurance broker like Ensura Brokers, who can provide tailored advice and help you compare business insurance policies to find the most suitable coverage for your business premises and contents.

How can I ensure that my business insurance policy remains up-to-date and relevant as my business evolves?

As your business grows and evolves, it's crucial to regularly review and update your business insurance policy to ensure it remains relevant and provides adequate coverage. Follow these steps to keep your insurance up-to-date:

1. Schedule regular reviews: Establish a routine for reviewing your insurance policies at least once a year or whenever significant changes occur in your business operations, such as expansion, hiring new employees, or adding new services.

2. Assess your risks: During each review, evaluate the risks your business faces and determine if your current insurance policies adequately address those risks. Identify any gaps in coverage and consider adjusting your policies to better align with your evolving needs.

3. Update your asset inventory: Maintain an up-to-date inventory of your business assets, including equipment, inventory, and property. Update the insured values of these assets as needed to ensure they are adequately covered in the event of a loss.

4. Communicate with your broker: Keep your insurance broker informed of any changes in your business operations or assets. A professional broker like Ensura Brokers can provide guidance on updating your policy and help you explore additional coverage options that may be beneficial for your evolving business.

5. Stay informed about industry trends: Keep abreast of developments in your industry and any emerging risks that could impact your business. By staying informed, you can proactively adjust your insurance coverage to address new risks and maintain comprehensive protection for your company.

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