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Small business owners are no strangers to risk. In fact, many small to medium enterprises (SMEs) exist on tight budgets, narrow margins and the hope that no unforeseen disruptions come their way. As Thomas Jefferson famously said, “With great risk comes great reward”, but with risk also comes great responsibility. To your suppliers. To your people. And to your business as a whole, to ensure its success and longevity. That’s where having the confidence of knowing you have the right insurance policies in place is of the utmost importance, for the future of your business and for your peace of mind.

Why CGU for SME?

It’s an unfortunate fact that sometimes, things don’t go to plan. Accidents can happen, extreme weather can take you by surprise and machinery can malfunction. You can’t always predict it but when the worst does happen, it’s a relief to know you have the right cover to get back to business. 

Our specialised national team of experienced underwriters offer local presence and extensive knowledge. We understand the market from both a broking and industry perspective, so we take the time to understand your business’s risks and needs - and how best to apply them to create a bespoke package for your business. 

Getting started with the right information

It’s easy to get the ball rolling. By providing us with the following information, we can get a quote back to you as quickly as possible, along with some options to consider:

  1. Any product-related quality assurance procedures and general risk management policies
  2. Level of non-employed labour or contractors
  3. Historical claims performance
  4. Cladding exposure or other inferior construction materials
  5. Details where activities do not fit ANZSIC description
  6. Details where your premises have been upgraded

Choose from our Business / Office packages, Padlock (for property owners) or Motor Trade products. 

Streamlined claims management

CGU’s experienced claims professionals offer the most efficient processes for every interaction, to help get you back to business as soon as possible. 

Our market leading service model delivers expertise in assessing, recoveries and settlements, plus a dedicated claims consultant and a claims relationship specialist to ensure a smooth, personalised process. 

In addition, we hold partnerships with a well-established and experienced supply chain network of trusted, quality providers you can count on. 

Professional risk management services

CGU’s property risk consultants can also work with you to protect your business and provide risk awareness, improvement and recommendations with our market-leading reporting services. Each report is a site-specific evaluation and covers everything from your site layout and construction considerations, to risk prevention, site security and more.

Need a Quote?

Speak to your insurance broker or visit the NIBA website to find a trusted advisor who can  assist with your insurance needs.

Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. This is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase the insurance policy, you should consider your personal circumstances and the relevant Product Disclosure Statement available at https://www.cgu.com.au/.