What business insurance cover do you need?

Insurance can be complex, but having the right coverage is crucial to safeguard your business from unexpected events. The aim of this guide is to help simplify that process. We’ve compiled 12 insightful questions that, when answered, will guide you to make informed decisions about your insurance needs. As you respond, consider your business’s unique circumstances, risks, and potential areas of vulnerability.

Remember, this is an interactive journey towards understanding and meeting your business insurance needs. Let’s get started!

Please select the option which best describes where you work from:

Tip: Where you operate at third-party locations and office, please select option most applicable to own office environment

I run my business out of my home The business operates from a leased premises The business operates from a vehicle and at third party locations The business operates from a property which it owns The business owns the property and leases it to third parties

*Please note that by utilising the wizard you acknowledge that the answers are general information only and should not be relied upon as advice.

Select all the options which are applicable to your business

You operate in an office where you have furniture such as desks, chairs, cabinets etc.? You store stock, raw materials, semi-manufactured goods, etc.? You carry out processes for which you require plant & machinery, including but not limited to CNC machines, industrial printing, mixing equipment etc. You have miscellaneous items that are not part of standard buildings fixtures which you want to insure, for example boilers, generators, solar geysers or solar panels, fuel in tanks etc. None of the above.

Are there any computers, servers, printers, office phone systems, tablets etc which are susceptible to damage on the premises?

Tip: Consider electronic equipment which stays at the business premise.

Yes No

Does the electronic equipement leave the premises, for example get taken home or to clients or do you have portable devices i.e. drones, tools, construction equipment which you wish to protect?

Tip: Other portable possessions to consider can include camping equipment, art works, books, collectables etc. as it pertains to your business operations.

Yes No

Do you want additional protection in the event of theft?

Tip: The theft insurance covers provide additional protection to office contents i.e. furniture and fittings, stock & trade, plant & machinery and miscellaneous items.

Yes No

Do you have any buildings, office contents, stock or plant that is especially exposed to accidental damage (not fire, flood, storm etc.)?

Tip: For example, this may be where a you have a TV in your office and wish to protect it against someone knocking it down.

Yes No

Do you have any employees working for your business?

Yes No

Is there any chance that any of your employees could steal or a financial loss could be suffered as a result of fraud or dishonesty of any of your employees?

Yes No

Will you require cover in the event of injury or illness to an employee which occured during business activities?

Yes No

Do you have employees who work for weekly wages for which you want protection in the event of illness or death?

Tip: Only for employees below the age of 70

Yes No

Select all the options which are applicable to your business.

In the event of a damaging event (fire, storm, etc.), is there a chance that your business would not be fully operational and suffer loss of income? You hold cash on the premises, keep money in a safe or operate using money i.e. pay wages You have shop fronts or other significant areas of glass on the premises, including internal glass. (Note that when leasing the premises, only select if you have internal glass) You collect or send goods to clients, either via own motor vehicles or third party carriers You own vehicles which are used for business purposes None of the above

Lastly, which of the following apply to your business? Select all relevant options

The public has access to your premises and you undertake work at the premises You manufacture and distribute goods to the public, or repair goods You provide advise to your customers in a professional capacity None of the above

Based on your answers provided, the following sections are required:

Office contents

Protection for your office contents from loss due to weather, natural disasters, impact from animals, and other events.