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If you’re running a small business in Brisbane, it’s important to ensure it is properly protected.
Although the publicliabilityinsurance.com.au website assists clients all over Australia, one of our main broker offices is located just five minutes north of the CBD in Kelvin Grove.
Whether you’re happy to deal with someone via phone or email, or would prefer to meet face-to-face, we can help.
Small Business Types
We assist small businesses of all types in Brisbane, but there are a few which are more common and that we have developed some special expertise in.
These small business types are as follows:
- Cafes
- Tradespeople
- Restaurants
- Consultants
- Retail Shops
- Hairdressers
We can of course assist other types of small businesses, but these are the ones we tend to deal with the most.
Insurance Types
With a name like publicliabilityinsurance.com.au it’s obvious that public liability is one of our specialities, but really it’s just the tip of the iceberg.
A small business in Brisbane will need a range of different insurance types to ensure that they are properly protected from all the risks they face.
Some of the common business insurance types include the following:
- Public Liability
- Professional Indemnity
- General Property
- Business Contents
- Glass, Money & Theft
- Commercial Property
- Business Interruption
Public liability is the most widely used form of small business insurance, but it’s important to remember that it only covers one area of risk within your business.
It’s also important for small business owners to consider their own personal risks, such as being unable to work due to an injury or illness.
These risks can be covered by a range of insurance types including income protection and life insurance.
Obtaining Advice
Continuing developments in online technology make it easier for one business to deal with another anywhere in the country.
There is nothing to stop a business in Brisbane obtaining their insurance from a broker located in Perth, for example.
But sometimes it is better to deal with a local, and this is especially true in the event of a claim when you need someone by your side.
With an office located in Kelvin Grove, our brokers are very central to businesses located anywhere in the greater Brisbane region.
You can visit the office yourself, or you can have a broker visit you at your home or workplace.
Going Direct
An increasing number of business owners are choosing to go direct to the insurers, rather than using an insurance broker.
Often they believe they are saving money by ‘cutting out the middleman’, but this can be a dangerous way to go.
For basic assets like your home and car, by all means go straight to someone like Suncorp or RACQ (both based in Brisbane), but your business is not so straightforward.
Whilst all homes and cars face essentially the same types of risks, each business will have its own unique range of risks which need to be insured.
This is why we recommend using an insurance broker who can analyse your business risks, and preferably a local Brisbane broker who knows the issues facing local businesses.
More Information
If you would like to speak with us about your small business needs, please call our office on 1300 542 245 and ask to speak with a Brisbane-based broker.
Alternatively you can complete our online quote request, which will automatically be forwarded to the Brisbane office if you are located anywhere in south east Queensland.