Making it easier to keep your business going
QBE Business Insurance packages can help protect your investment, your assets and your employees. The reality is your business will always be exposed to risks, from public liability to equipment breakdown. Make sure these interruptions don't cost your business with:
Our partners at QBE will build a business insurance package to suit your needs, including cover for:
Buildings, contents and stock against fire, impact, storm, vandalism, explosion and other perils. Plus architects, surveyors and legal costs, removal of debris and temporary protection of their premises.
For example a fire damages your business premises. QBE will cover the costs of repairing your premises and replacement/reimbursement for your contents and stock.
Losses incurred during the interruption of trading following a fire or other insured event.
For example a fire damages your business and you are unable to trade. Your loss of income is covered.
Business contents and stock protected against theft including allowances for seasonal increases in stock.
For example your business is burgled and stock is stolen and/or damaged. QBE will pay the current value of the stock at the time of loss.
Cash cover on business premises, in transit, in a locked safe at your home or in a locked ATM on the business premises, including allowances for seasonal increases in takings.
For example your day’s takings are stolen while on the way to the bank. QBE will cover the loss up to the sum insured that you have nominated.
Breakage of internal and external glass and signs.
For example your shop front is maliciously damaged by vandals. QBE will pay the cost of replacement.
Damage to machinery caused by breakdown, or to boilers and pressure equipment caused by explosion or collapse.
For example your air conditioner stops working. QBE will cover the cost of repair or replacement.
Breakdown and associated business interruption cover for computers and electronic equipment.
For example your computer breaks down. QBE will cover the cost of repair or replacement where repair is not economically viable.
Legal liability to pay compensation for personal injury or property damage, including optional extensions relevant to specific electrical and motor trade occupations.
For example a member of the general public trips and falls while on your business premises. QBE will cover the legal cost and damages if you are found liable.
Property used away from the business premises, such as tools of trade, laptops and mobile phones.
For example your laptop is stolen from your locked vehicle. Where this item has been specified in the Schedule QBE will replace the laptop including any carry case.
Fraud or dishonesty committed by employees.
For example your employee has been stealing money from the business. QBE will pay for the loss of money.
Professional fees paid in connection with an audit or investigation related to liability to pay tax.
For example your business is being audited by the ATO. QBE will pay for fees of an accountant engaged by you in connection with the audit.
Loss or damage to goods while in transit by road, anywhere in Australia, on a vehicle owned or operated by the insured.
For example your goods are damaged in a collision whilst in transit in your vehicle. QBE will pay to replace the items damaged by you.
Investigation and defence expenses, including some penalties, arising from any breach of environmental or occupational health and safety legislation.
For example your business is being sued for breaching OH&S legislation. QBE will pay for the investigation and defence costs.
Employment related wrongful acts committed against an employee.
For example your business is being sued for defamation. QBE will pay the damages awarded against you, if you are found liable.