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Business Insurance

Denboer & Associates offer insurance solutions for small businesses anywhere in Australia. Our professional service and access to the major insurers in Australia has given small business owners peace of mind since 1976. Allow us to find the right insurance solution for your business insurance.

In this technological age we are electronically linked to most insurers. This enables us to find you the best available product in the market. Combined with our fast and professional service, you will see insurance in a different light.

To obtain a recommendation for your business insurance, contact us by phone so we can then ascertain the most appropriate product for your needs and at the most competitive premium

We are able to provide advice and cover for most types of insurance specifically related to your business such as Professional Indemnity, Product Recall, Contaminated Products, hard to place risks like EPS constructions and the like.

Management Liability Policies are becoming more important to have. If you employ staff the chances of a claim being made against the directors have increased since the Global Financial Crisis.

The downturn has resulted in the value of Superannuation dropping in value and some staff have resorted to lodging claims against their employer for various Employment Practices:

  • Unfair Dismissal
  • Breach of Contract
  • Harassment  or bullying
  • Discrimination
  • Deprivation of Career Opportunity

It has also been found that Work Safe is attending work sites following an injury and prosecuting the directors if the worker was injured because he/she was working in an unsafe work environment

Set the Value Correctly

For office contents don't find yourself under insured.

Look on the web site of office furniture suppliers to get current values for desks and chairs and the like.

Add to that the amount to cover the phone system and computers.

Include value for calculators and other smalls. If you did the fit out yourselves include that in the value.

It is better being slightly over insured because it just means you have paid a bit more on your insurance premium than needed. Being under insured means you will not be paid out enough to replace the lost items.

With increasing reliance on computers and other electrical appliances the chances of an electrical fire starting are higher than ever before.

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