Whatever risks your business faces, allinsure is ideally placed to help you protect against them. With access to an extensive range of policy options from leading Australian and global insurers, we’ll help to customise the ideal insurance solution for your business.

Contact us today to find out how.

Business Insurance

Invaluable protection against a wide range of business risks

Business insurance is a vital way to reduce financial uncertainty and protect both your own livelihood and that of your employees. Policies generally allow you to pick and choose sections of cover based on your individual needs. In this way you can access an affordable and comprehensive business insurance pack that protects against the main risks involved in running your business. These can include:

  • Business interruption
  • Public and Products Liability
  • Property damage
  • Theft
  • Electronic equipment breakdown
  • Machinery breakdown
  • Tax audits
  • Transit
  • Employee deceit.

Secure your business. Speak with allinsure today.

Contract Works

Protecting your business and workers on construction sites

This important cover is for commercial, industrial and domestic builders, sub-contractors and owner-builders. It can be used cover any building which is under construction, from small kit homes to multi-story apartments or commercial buildings. While owner-builders typically insure for a specific contract or project, professional builders can choose an annual policy to cover multiple contracts. Your policy can be tailored to protect against a wide range of risks including:

  • Damage caused by defects or vandalism
  • Natural disasters
  • Theft of materials or tools
  • Public and products liability insurance (and related costs)
  • Third-party personal injury or property damage.

Secure your business. Speak with allinsure today.

Professional Indemnity

Cover for the legal liability of the advice and services you provide

Professional indemnity insurance, or PI, is designed to cover businesses and individuals who give advice or provide a professional service. If it’s alleged you make a mistake, provide inadequate or inaccurate advice, or commit another breach of duty, PI protects you from the legal costs and claims for damages that may arise – and could help save your reputation too. Your policy can be structured to protect you against a wide range of risks from simple accidents and oversights to professional negligence, malpractice or criminal acts by members of your team. It is important to understand that usually PI policies are written on a “claims made basis”. This means that the insured is covered for claims or demands that are made against them and notified to the insurer within the period of insurance. This can also include cover for wrongful acts that occurred prior to your policy period provided they fall within the retroactive date of your policy.

Secure your business. Speak with allinsure today.

Commercial Motor

Keeping your fleet on the road

Commercial Motor insurance protects your business fleet against costs arising from theft and accidents. Your policy can be tailored to include a range of commercial vehicles from cars and motorbikes to vans, trucks and even buses and heavy motor vehicles. Some of the key risks you can protect against include:

  • Replacement costs for lost or stolen vehicles
  • Vehicle repair costs
  • Damage caused to a third party’s vehicle and/or property
  • New replacement for vehicles written off within the first three years
  • Re-keying or re-coding of stolen vehicle keys
  • Legal liability cover.

Secure your business. Speak with allinsure today.

Workers’ Compensation

Compulsory protection for your employees

As an employer you’re required by law to ensure your workplace is safe. This includes having adequate workers’ compensation insurance for all of your employees. Workers’ compensation insurance provides financial assistance to any employee who is injured or becomes sick because of their work. Every state and territory has its own workers’ compensation scheme with different rules – so it’s important to understand the ones that apply to you.

Workers’ compensation insurance helps to cover:

  • Your employees’ wages if they’re unable to work due to a work-related illness or injury
  • The cost of their rehabilitation and medical expenses

Secure your business. Speak with allinsure today.

Management Liability

Protection against claims of mismanagement

Management liability insurance covers the financial exposures that come with managing a 21st Century business. Whether your operations are large or small, it’s an important way to help protect against unpredictable and potentially large liability claims resulting from the actions of you or another senior member of your business – past or present. Specifically, the cover can be used to help with:

  • Directors and Officers Liability
  • Statutory Fines
  • Employment Practices Liability
  • Tax Audit
  • Fidelity/Crime
  • Kidnap Ransome and Extortion

Secure your business. Speak with allinsure today.

Cyber Liability

Safeguarding your business against increasing online risks

If your business has a website or electronic records, makes online payments, has automated plant and machinery or even uses social media, it’s vulnerable to cybercrime and accidental data breaches – and the consequences can be costly. Cyber insurance helps to cover financial losses caused by a cyber security breach – be they to your business, your customers or a third party. Some of the most common risks include:

  • Business interruption which leads to loss of revenue
  • Having to recover or replace records or data
  • Loss of third-party data and liability associated with this
  • Legal claims and defence
  • Crisis management and brand protection
  • Privacy remediation

Secure your business. Speak with allinsure today.

Public & Product Liability

Ensuring a slip & fall or faulty product doesn’t ruin your business

Mistakes and accidents can happen for all sorts of reasons, and they can lead to all manner of damage and personal injury claims. Sometimes products simply don’t perform the way they’re supposed to – and the potential costs can be crippling. Product liability insurance provides vital protection if a product you sell, make or supply causes harm to a person or their property. Public liability cover can be just as important. It protects your legal liability to third parties – such as clients, customers and the general public – for injuries or property damage caused by your business. Common claims include accidental events such as trips, falls and spills, as well as more serious cases of negligence.

Typically, product and public liability policies can help cover the costs of:

  • Investigating and defending your business and/or products
  • Compensation payments awarded to a customer should you be found at fault
  • Settlement costs
  • Injury and property damages arising from an accident and/or negligence by your business.

Secure your business. Speak with allinsure today.

Strata Insurance

Protecting against the shared risks of shared spaces

Executive Committees and Body Corporates – and the shared spaces and structures they oversee – face a range of exposures that require specialist insurance packages tailored to their needs. It’s a situation further complicated by frequently-changing legislative requirements that differ in every state and territory. The most recent example in the Strata Industry surrounds the issue of cladding, particularly Aluminium Composite Panels (ACP), as many of these no longer meet Australian standards and pose significant fire hazards. Working closely together we’ll ensure you’re meeting all compliance regulations, as well as package the ideal Strata Insurance solution based on the size, nature and location of your property.

Just some of the areas where Strata Insurance can protect you include:

  • Buildings and common area contents
  • Lot owners fixtures and fittings
  • Temporary accomodation and loss of rent
  • Office Bearers Liability
  • Fidelity
  • Machinery Breakdown
  • Public Liability
  • Personal Accident and Voluntary Workers
  • Flood

Secure your business. Speak with allinsure today.

Motor Trades Insurance

Keeping your business running smoothly

This specialised insurance is designed to protect businesses operating in the motor vehicle repair industry such as mechanics, panel beaters and other motor trade service providers. It includes comprehensive cover for both your own business assets as well as your customers’ vehicles. It can also be used to protect you against liabilities for faulty workmanship, errors and omissions from services you provide.

  • Same as business package (plus add on)
  • Trade plates covering test drives
  • Customer vehicle cover

Secure your business. Speak with allinsure today.

Trade Credit/Surety Bonds

Protecting your cashflow against bad debts and non-payments

Do you sell or trade goods on a credit basis? Then the risk of bad debt or non-payment by customers is always a possibility – something that can severely disrupt your cashflow and leave you out of pocket. Trade credit insurance cover is a practical measure for protecting business liquidity in the event of non-payment of accounts receivable. Some policies even provide the added assurance of support from specialist collection agencies to help you recover your outstanding debts – easing the financial and time pressures of chasing them yourself.

The purchase of surety bonds from a bond provider can also deliver real benefits by improving cash flow and freeing up working capital. An effective alternative to bank guarantees and retention monies, the bond provider (typically an insurance company) makes an undertaking to the principal that the Insured will perform in accordance with the terms and conditions of the contract. Once the surety bond is issued, the bond provider is committed to pay should the Insured default. In other words, bond providers undertake the credit risk of being unable to recover funds paid out by them under the bond from the Insured.

Secure your business. Speak with allinsure today.

Transport & Logistics Insurance

Keeping your business moving

Operating in the Transport & Logistics industry brings many risks and complexities that need to be carefully managed. Beyond safeguarding your fleet and equipment assets, it’s important to ensure you have adequate protections in place to cover your contractual obligations, legal liabilities and statutory obligations.

Transport & Logistics cover can include:

  • Truck and trailer insurance for heavy haulage, general freight forwarders and short, medium & long haul operators.
  • Fleet insurance for small and medium size businesses
  • Marine transit risks
  • Cargo cover
  • Unloading and loading
  • Static risk
  • Costs and compensation associated with public liability claims
  • Commercial insurance for warehouse and storage facilities.

Secure your business. Speak with allinsure today.

Builders/Home Owners Warranty

Mandatory protection for the customers of any builder

If you’re a licensed builder you’ll need Builders’ Warranty insurance for some, and possibly all, of your residential projects. This statutory required cover protects your customers in the event that you die, disappear or suffer bankruptcy during the construction period, or during the 7 year statutory warranty period upon completion. The legislation varies from state to state across Australia, so it’s important to know your obligations.

Secure your business. Speak with allinsure today.

Business Travel

Protecting your business and employees, wherever they are

Essential cover for anyone on your team who travels regularly for work. An annual corporate travel policy offers you cost-effective annual protection that covers executives and employees. Policies can vary significantly, but some of the more common inclusions include cover for:

  • Life and disablement
  • Overseas medical and evacuation expenses
  • Personal liability
  • Flight cancellations and missed connections
  • Loss of luggage and other personal effects
  • Excesses incurred from rental car(s)
  • Deposits lost
  • Employee replacement expenses
  • Cover for Directors and Officers, their accompanying spouse and dependants for leisure travel.

Secure your business. Speak with allinsure today.


Protecting farmers, farm workers, land, livestock and produce

From large-scale agribusiness operations to small farms, this important cover helps to safeguard the many assets you rely on – from your land and buildings, to livestock, vehicles, equipment and even your family home. Farm insurance can also be tailored to protect against theft and loss of income.

Farm insurance can typically cover:

  • Accidental damage and theft of your farm assets, including fencing, hay, livestock, farming equipment
  • Accidental damage of domestic property and belongings
  • Third-party claims and legal costs for personal injury or property damage
  • The added options to insure the value of your crops.

Secure your business. Speak with allinsure today.

Events Insurance

Ensuring the show goes on for hospitality and entertainment professionals

Events are filled with many risks. If your company stages events such as concerts, exhibitions, festivals, fundraisers, theatre productions, trade shows, dance parties or corporate functions, events insurance is a must. Your policy will protect you against a range of risks and costs that could threaten your business and its assets. These can include:

  • Losses arising from cancellations due to weather, abandonment or the non-appearance of an advertised performer
  • Losses due to a venue and/or damaged equipment
  • Third-party claims for personal injury or property damage at your event
  • Prize Indemnity/Hole in One cover.

Secure your business. Speak with allinsure today.


One size rarely fits all when it comes to insurance. allinsure understand every industry is absolutely unique, with its own specific risks to be factored closely into your insurance strategy. Rather than offer pre-packaged policies, allinsure specialise in providing tailored industry-specific solutions, based on years of first-hand experience as well as key insights gained from major industry research groups including the highly respected LMI Hazard.



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Take reasonable steps to minimise further losses

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