Public and Products Liability insurance protects your business financially if someone is injured or their property is damaged due to your activities.
Public Liability: Covers incidents at your business location or offsite during your work (e.g. customer trips and falls).
Products Liability: Covers harm caused by products you make, sell or distribute (e.g. faulty product malfunctions).
Business package insurance bundles several essential coverages for your small business into a single, streamlined policy.
This "package" approach offers convenience and often saves money compared to buying each coverage separately. It's a good option for many small businesses seeking core protection without needing highly specialised insurance.
Property insurance acts as a financial shield for your physical possessions. It covers losses or damage to your property caused by specific events, such as:
Motor fleet insurance is designed for businesses that own and operate multiple vehicles. It offers similar protections to regular car insurance, but tailored for the specific needs of fleets:
Construction insurance safeguards various aspects of a construction project. It can cover losses due to property damage, accidents, and legal liabilities.
Management liability (ML) / Directors and Officers (D&O) insurance, safeguards individuals in leadership roles from financial losses due to lawsuits.
Why it's Important: Protects personal assets of directors and officers, as they can be held personally liable for company actions.
ML / D&O insurance provides peace of mind for leadership teams, allowing them to make crucial decisions without the fear of personal financial ruin.
Professional indemnity insurance, often shortened to PI insurance, acts as a safety net for professionals offering advice or services.
Under Australian law, employers must have insurance to cover their workers in case they get sick or injured because of work.
Support and assistance may be provided in the form of:
In today's digital world, cyber threats are a constant worry. Data breaches, ransomware attacks, and social engineering fraud can cripple your business. Cyber insurance is your financial safety net, designed to protect you from the financial fallout of these events.
Speak to us today about any other insurance products that may be required to suit your business needs.
An insurance risk management review is a comprehensive assessment of your current insurance coverage. It analyses your business operations and identifies potential risks, ensuring your insurance plan adequately protects you from financial losses. This review can identify gaps in coverage, suggest cost-saving adjustments, and optimize your insurance portfolio for peace of mind.
Business interruption insurance: Your shield against lost income. This coverage reimburses you for lost profits and essential expenses if an unexpected event forces you to temporarily close or limit operations. From fires to natural disasters, it helps you weather the storm by covering things like rent, payroll, and loan payments. Don't let a disruption become a financial disaster.
We offer review of the insurance and indemnity clauses contained within business contracts. This service helps to avoid liabilities that are imposed by the contract that would not be in place in absence of the contract and limit potential exposures.
This information does not take into account the objectives, financial situation or needs of any person.
Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation or needs.
Rubix Insurance Solutions Pty Ltd ABN 16 676 771 529 ASIC 1309769 is an Authorised Representative of Resilium Insurance Broking Pty Ltd ABN 92 169 975 973 AFSL No 460382
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