Making it easy to insure your
whole business with one policy

Remove the uncertainty

Having the right insurance will help protect your business and minimise its exposure to risk. This may include insuring your business, your income and your commercial risk.

Remove the uncertainty

What is business insurance

A business takes years to build – but an accident or disaster could destroy it all in minutes. That’s why businesses should help protect themselves with a quality business insurance package.

With the right cover in place, owners can run their business with confidence, knowing that their premises, stock, equipment and reputation are protected by insurance.

Who should consider it?

Business owners can benefit from taking out an affordable and comprehensive business insurance package to help protect them against the main risks involved in running a business.

Not all business package policies are the same, some won’t cover certain risks and limits of liability can vary greatly depending on the insurer and the requirements of your business. That’s why our our specialist broking team members get to know your business enabling them to provide considered advice delivering you the best policy for your specific needs.

Touch base with us to learn how we can help you.

HDL, the right partner for you.

Did you know?

$33billion

The cost of natural disasters to Australian business, government and communities is estimated to reach $33 billion by 2050.

(Australian Business Roundtable, The Economic Cost of the Social Impact of Natural Disasters, 2016)

35%

According to Inside Small Business, only 16% of SMEs have a financial back-up plan in place, while 35% said they’d need to cut spending and limit their lifestyle if they were unable to work.

(Inside Small Business, ‘Seven insurance issues small-business owners should consider in 2017’, 2017)

24%

Sole traders were the least likely of businesses to be insured, (24%), followed by small businesses operating from home (21.4%).

(ICA, Non-insurance in the Small to Medium Sized Enterprise Sector, 2015)

What can it cover?

Type of cover	Potential benefits
Property Damage	Repair or replacement of property damaged.
Business Interruption	Loss of trading profit following insured damage to property and additional costs and expenses incurred during a claim.
Theft	Repair of replacement of property stolen.
Public or products liability	Your liability to pay compensation for personal injury and property damage as well as the costs involved in defending a claim triggered by the policy.
Glass	For replacing glass inside or outside your premises, including your shopfront windows, mirrors or display cases.
Transit	For stock that is in transit on the road, in the air or by sea.
Electronic equipment breakdown	For repairing or replacing electronic equipment that breaks down.
Machinery breakdown	Cover for costs associated with machinery breakdown.
General property	To cover your tools of trade, including laptops and tools that you use for your profession or trade.
Tax Audit	To cover the costs of being audited by the ATO.
Employee dishonesty	Direct financial loss of the business caused by the dishonest or fraudulent conduct of an employee which is first discovered during the period of insurance.

Case study

John owns a shop in the city. One night a water pipe bursts, flooding the building and damaging his stock. Even worse, the building must be evacuated and renovated to repair all the water damage. This means that John is unable to trade for six weeks.

John’s business insurance covers the cost of the renovations. And, because he has business interruption insurance, he receives a payout to cover the income lost while he’s unable to trade.

Complimentary Review

Securing optimal insurance protection is becoming more challenging.

Having a fresh set of eyes can make a dramatic difference. HDL welcomes the opportunity to evaluate and challenge your current risk and insurance program in a confidential manner that avoids disrupting existing relationships.