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Business Insurance Packages

Designed for companies or corporations requiring coverage to protect their business, contents or general property against loss, damage, theft, or machinery breakdown.

Why is this cover important?

A Business Insurance policy helps to protect those aspects of your business to which you value most and could not carry on your own. Business Insurance is not a “one size fits all” cover, we want to hear about your business, big or small, to determine what level of cover is required, and tailor a policy to suit your exact needs.

Policy cover can include:

As a business owner there is nothing more important than having comprehensive business insurance as the risks increase. The policies available through Austbrokers Comsure can cover:

Fire / Flood or
Material Damage

Covers your Building and Contents/Equipment against losses due to fire, storm and tempest, earthquake, and malicious acts. Cover is automatically extended to include Accidental Damage or Loss.

Building, Contents or
General Property

Damage to property (Building, Contents, and Stock etc.) caused by fire and nominated perils.

Burglary / Theft
Covers your property for loss after a break and enter.
In the event that an insurable loss causes you to cease trading, this cover can replace any lost income during a period of time. Other covers such as accountant’s fees can also be insured under this section.
Internal & External
This section covers breakage of fixed glass for its full replacement cost. Cover for Advertising signs is also included up to a designated limit.

Covers loss or damage to cash, cheques, and negotiable instruments.

Covers repair or replacement cost after a breakdown to your plant and equipment.
Electronic Equipment
Covers repair or replacement cost after a breakdown to your electronic equipment.
Public & Products
Covers your legal liability for any bodily injury and property damage arising out of the course of your business activities.
Tax Audit
This covers the preparation expenses in the event the ATO conduct a tax audit on your business.
Practices Liability
Covers you against employment related issues including sexual harassment, discrimination, and defamation in the workplace.
Business Vehicles
Cover can be extended to include company owned vehicles if required.

Broader protection & additional cover

Some important and beneficial extensions of cover are as follows:

Temporary Removal
of Contents
Automatic cover for property while it is away from your standard place of business. Cover is included for 20% of your Contents sum insured for up to 90 days.
Temporary Protection
& Watchmen

Covers costs reasonably incurred by you to protect the property including the cost of temporary repairs, the hiring of watchmen or the removal of insured property to a place of safe storage pending the repair or reinstatement of your premises.

Business Interruption

If this section is taken, cover is extended to cover interruption to your business from Public Utilities and your suppliers if they suffer a loss at their own premises.

Why us?

When you take out a tailored Business Insurance package, you will immediately have access to our expert claims team for personal service on claims, and our experienced brokers for advice on Risk Management.

AB Comsure was formed by the 2020 merger of three long-standing south-east Queensland brokerages, Comsure, Bestmark and Citycover. Each of the three brokerages has a rich history of providing quality insurance services for their clients for over 40+ years.


Frequently Asked Questions for Business Insurance

What is a ‘Flood’?

In June 2012, the Insurance Council of Australia and Federal Government agreed to adopt the below definition.

The definition of flood is:

  • The covering of normally dry land by water that has escaped or been released from the normal confines of:
  • Any lake, or any river, creek or other natural watercourse, whether or not altered or modified; or
  • Any reservoir, canal, or dam.
Can I pay my premiums by the month?

Yes. All insurance offered by Austbrokers Comsure can be paid by the month through premium funders. If you chose to use the premium funder’s service, your monthly installments will be tax-deductible.

Is Flood cover automatic?

No – most insurers do NOT offer Flood as an automatic cover. If you want this cover under your policy, please tell your Adviser.

What is “Underinsurance”?

Also known as the “Average” or Co-Insurance” Clause, Underinsurance is the result of nominating a value for an asset which is too low to actually replace it in the event it is lost or damaged.

Certain cover sections (Fire, Business Interruption – Income, and Electronic Equipment) contain the under-insurance clause. It is important to review the level of cover you have declared, as if the amount you have declared is too low, the insurer can apply a formula which limits their settlement to you for that loss. This can occur if you have declared less than 80% of the actual value of the risk/asset.

Many businesses unknowingly under-insure as they apply heavy depreciation to their assets or simply forget to include certain assets into their calculations.

How do I make a claim?

As your Adviser, you will always contact Austbrokers Comsure in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.

Make a claim

Our claims process is seamless, market leading and hassle free. Click below to start a claim online or call 1800 122 194. Your dedicated claims specialist will assist you with your claim from start to finish.