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How to find the right insurance for your small business

If you’ve started your own business, you most likely feel like you’ve taken a big risk. But when it comes to protecting your company, risking it is the last thing you want to do.

Sometimes, getting business insurance can be a task placed in the ‘leave till last’ basket. But as an owner operator, an important first step in making sure you have your business’s best interest at heart is ensuring your insurance policies protect your assets and work family. 

There are many reasons why it’s important to tick business insurance off your to-do list earlier rather than later. Some forms of insurance are even compulsory for establishments operating Down Under, like Workers’ CompensationPublic Liability and Third Party Personal Injury.

But before you decide which insurance is best for your small business, consider what protection you require that’s essential to the needs of your industry. 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?

Choosing the right insurance policy that's appropriate to your business needs can protect you against a range of unforeseen events – like an office fire, storm damage, or theft of equipment. 

You’ve put remarkable effort into building your small business, so it’s important to consider exactly which types of cover you need to protect your livelihood. CGU provides a range of tailored small business insurance designed for your industry. Here are a few business insurance options to choose from that will leave you feeling confident and secure:

Public liability insuranceProtection for your business against liability claims including personal injury and property damage.

Trades insurance:Protection for your tools, vehicles and cover for public liability.

Professional indemnityCover for your business against legal damages where your professional services or advice caused loss.

Workers compensationCGU workers compensation partners with your business to reduce workplace injuries and help your injured employees return to work.

Farm InsuranceTailored cover for your livestock, crops and farm machinery.

The most common mistake is not having enough insurance. Don’t assume your policy covers everything. For example, if you take out Public Liability Insurance for a business event, it might not cover the stock you’re taking to the venue or the car that you’re using to travel there.

With CGU, it’s easy to find out how much 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.

Remember, every business is unique and yours is no exception. So before taking out insurance, read all the information carefully, calculate the value of everything you’re covering, then make your decision – don’t just go for the cheapest option. 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.

Protect the business that you’ve invested so much time and effort into and don’t leave business insurance till last. Get a quote online in just a few minutes or speak to one of our helpful insurance specialists on 13 24 81.