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How to be confident your small business insurance is right

As a small business owner, you’re most likely a risk taker. But when it comes to protecting your business from the unexpected, it isn’t very wise to risk it.

Using your insurance to safeguard your assets and work family is making sure you have the best interest of your business at heart. This means being confident in the small business insurance policies you have.

Ask yourself if the current cover you have includes all the essential protection for your industry, specific business needs and employees. Do you have expensive equipment or stock you work with or use on a daily basis? Do you have employees who need to be covered in the case of an accident? Do you work remotely, or do you work from a bricks and mortar office?

Some forms of insurance are even compulsory for establishments operating Down Under, like Workers’ CompensationPublic Liability and Third Party Personal Injury.

Choosing the right insurance policy that's appropriate to your business needs can protect you against a range of unforeseen events – like a law suit, an office fire, theft of equipment, or the need for urgent surgery. Unfortunately, all of these possibilities can stop a business in its tracks.

The reality is that the cost of insurance is minimal compared to the risk of financial exposure. So how can you be confident you have the right cover?

While some Aussies still choose to use insurance brokers for their insurance needs, most now go directly to the insurance companies online or by phone. And if you’re savvy enough to run a business, you’re most likely clever enough to handle your own insurance portfolio.

There’s an array of perks to managing your own business insurance. 

Comfort can be found in knowing that purchasing business insurance online or over the phone can be as easy as filling out a form or answering a few simple questions. CGU allows you to customise your policy, so you have control over your tailored cover.

Getting a quote and managing your insurance policy online is easy, convenient and accessible around the clock. This means you can conduct research around the specific insurance needs for your small business at your own time, rather than being bounded by operation hours which may conflict with those of your business.

And if you’re thinking you don’t have the appropriate knowledge to manage your own business insurance, there’s good news. Some insurers offer a range of educational information and tools to help you work out exactly what you need.

Remember, every business is unique and yours is no exception. So, to be confident your business insurance is right for you, make a check list of all your business needs, calculate the value of everything you’re covering, then make a decision as to whether or not your current cover fits right – don’t just go for the cheapest option.

If you decide your current business insurance isn’t the greatest possible cover to best suit your small business needs, you can enquire or apply for the many  CGU business insurance options on offer.

It’s easyto work out what cover you’ll need. Simply get a quick business insurance quote online or talk to one of our helpful insurance specialists on 13 24 81. You can even request a call back from a CGU insurance specialist. Once you complete the online form one of our business insurance experts will contact you within 48 hours. 

And with over 165 years of trust, if you take out business insurance with CGU, we’ll make sure you can concentrate on running your business while we take care of your business insurance needs.