Business & Commercial Insurance

Business Insurance

Business Insurance helps protect your livelihood in the event of loss or damage and can be 
tailored to suit your specific insurance requirements. Each business is unique, which is why 
CA Insurance Brokers offers bespoke and expert advice on how to most effectively structure your policy. 

As a small business, we understand the importance of cash flow and can provide alternatives 
to lump sum premium payments to suit your business requirements.

Covers include, but are not limited to;

  • Property
  • Business Interruption
  • Money
  • Machinery & Equipment Breakdown
  • Public Liability
  • Cyber Security
  • Product Liability
  • Theft & Burglary 
  • Glass
  • Tax Audit
  • Employee Dishonesty
  • Management Liabilty

Contact us today to find the right policy for you

Call (07) 3878 1844

Commercial Property

A Commerical Property Policy insures you as a property owner against loss or damage to the property 
from an insured peril such as fire or storm. The policy can also include damage to contents, landlords fixtures and fittings and loss of rent.  

This type of insurance can be a complex issue depending on the usage and occupancy of the property.

At CA Insurance Brokers we take the time to gain an in depth understanding of your needs, the use of the property including the nature of any tenancies in order to tailor a policy that meets your specific requirements. 

Covers include, but are not limited to;

  • Removal of Debris 
  • Legal Liability 
  • Fidelity Guarantee
  • Machinery Breakdown
  • Office Bearers Liability
  • Legal Expenses Insurance
  • Glass

Contact us today to find the right policy for you

Call (07) 3878 1844

Public and Product Liability

Regardless of whether you are a sole trader or a multi-national organisation, all businesses hold a 
responsibility to third parties in the event that they are deemed legally liable to pay 
compensation for damages or injury.

Public Liability Insurance is designed to cover your business for compensation and legal 
costs that you are deemed legally liable to pay for damages or injury arising out of your 
business activities.

Products Liablity Insurance will cover you for claims of injury or property damage arising 
from the failure of goods sold, delivered or supplied through your business activities. 

Covers include, but are not limited to;

  • Third Party Property Damage
  • Third Party Personal Injury
  • Erros & Omissions
  • Environmental Liability
  • Investigation Costs
  • Defense Costs
  • Statutory Liability
  • Care Custody & Control

Contact us today to find the right policy for you

Call (07) 3878 1844

Construction

Construction Insurance helps protect your financial loss should loss or damage occur during the construction or demolition period for a covered event. Insurance can be arranged on an annual basis to cover all projects within the period of the policy, or on a project by project basis.  

Policies can also be extended to cover financial loss in the event of project delays and third party liabilities.

Provision can be made to include all property involved in the project. Examples of this are  formwork, scaffolding, sheds and on-site amenities together with any plant, machinery, equipment and tools.

As there are significant variations, limitations and exclusions in the policies available in the market, it is important to ensure that you have the correct cover for your specific insurance requirements.

At CA Insurance Brokers we take the time to find out as much as we can about your construction or demolition project so we can tailor a policy cover to best suit your needs.

Policy cover options can include:

  • Property Damage
  • Principal Supplied Materials
  • Materials in Transit
  • Plant and Machinery
  • Third Party Liability
  • Removal of Debris
  • Professional Fees
  • Australia Wide Coverage

Contact us today to find the right policy for you

Call (07) 3878 1844

Marine Transit and Cargo

Marine Transit and Cargo Insurance is designed to protect both the carrier and owner of goods 
should an incident arise from an insured peril causing loss or damage whilst in transit or in storage. 

If your business sends or receives goods, even within Australia, you will need insurance to protect your business against any potential claims. 

At CA Insurance Brokers we take the time to discuss the size and nature of your business so we can tailor a policy to best suit your specific insurance requirements. 

Covers include, but are not limited to;

  • Carriers Liability 
  • Freight Forward Liability 
  • Transport & Warehouse Operators Liability
  • Consequential Losses 
  • Brands & Labels
  • Customs Duty & Taxes
  • Stock Throughout 
  • Delayed Unpacking
  • Insolvency of Carrier
  • Pollution Hazards

Contact us today to find the right policy for you

Call (07) 3878 1844

Industrial Special Risks

Industrial Special Risks Insurance is designed to cover companies with multiple locations, high asset values and multiple occupation classes against property damage and consequential loss. The policy covers all loss or damage not specifically excluded under the policy.

Although this policy offers a broader range of cover there are additional features and extensions which you may need to add to the existing policy depending on the nature of your business.  Each insurer may have their own specific endorsements and every policy will have specific exclusions, terms and conditions.

At CA Insurance Brokers we have the knowledge and expertise to help identify the potential risk exposure to your business so we can tailor a policy to best suit your specific insurance requirements.

Policy cover options can include:

  • Fire & Perils Property Damage
  • Removal of Debris 
  • Theft
  • Business Interruption
  • Prevention of Access
  • Accidental Damage

Contact us today to find the right policy for you

Call (07) 3878 1844

Commercial Strata

Commercial Strata Insurance covers loss and damage to property, including common property and common contents, for a wide range of commercial buildings such as retail shops or multi tenanted industrial units.

Commercial Strata Insurance is compulsory in Australia and each state has minimum insurance requirements. In addition to the minimum requirements, many policies offer a range of additional and optional covers which can increase the financial protection of the owners and investors.

Finding the right policy can be a complex issue with many commercial strata buildings including mixed tenancies with varying business activities.  

At CA Insurance Brokers we take the time to gain an in depth understanding of your needs, the use of the property and the nature of the tenanciesin order to tailor a policy that meets your specific requirements. 

Policy cover option can include:

  • Removal of Debris 
  • Legal Liability
  • Office Bearers' Liability
  • Fidelity Guarantee
  • Voluntary Workers
  • Storm damage to gates and fences
  • Lot-owners improvements  
  • Legal Expenses
  • Machinery Breakdown
  • Government Audit Costs

Contact us today to find the right policy for you

Call (07) 3878 1844

Cyber Security

If your business uses the internet, has a website or keeps electronic records you should consider taking out Cyber Protection Insurance. 

 Did you know?

  • Australia is the 5TH most targeted country for cyber attacks globally (Symantec Internet Security Threat Report)
  • 75% of cyber attacks come from human error ( IT Policy Compliance Group, 2007)

Cyber Protection Insurance is designed to help protect your business from the financial impact of computer hacking or a data breach. 

Insurance policies for this type of insurance vary considerably in the benefits they provide. At CA Insurance Brokers we invest the time to find out about your business so as to offer you the most suitable policy to meet your specific needs.

Policy cover benefits may include:

  • Business Interruption Losses                          
  • Cyber Extortion
  • Electronic Data Replacement                           
  • Security and Privacy Liability
  • Defence Costs                                               
  • Electronic Media Liability

Contact us today to find the right policy for you

Call (07) 3878 1844

Tradesman

Trade Insurance is an insurance policy designed to help protect you and your business for compensation that you are deemed legally liable to pay to a third party for property damage or personal injury, including associated legal costs.

Insurance packages also offer cover for loss of, or damage to, your work tools. Some also include income protection insurance.

Policy option covers can include;

  • Public Liability
  • Loss or damage to tools
  • Business Expenses
  • Income Protection

With our expertise and knowledge of the insurance market our team at CA Insurance Brokers take the time to understand the nature of your business so we can tailor a policy to suit your specific requirements. 

Contact us today to find the right policy for you

Call (07) 3878 1844