Designed for companies or corporations requiring coverage to protect their business, contents or general property against loss, damage, theft, or machinery breakdown.
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.
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 |
Business Interruption |
Internal & External Glass |
Money |
Covers loss or damage to cash, cheques, and negotiable instruments.
Machinery Breakdown |
Electronic Equipment Breakdown |
Public & Products Liability |
Tax Audit |
Employment Practices Liability |
Business Vehicles |
Some important and beneficial extensions of cover are as follows:
Temporary Removal of Contents |
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 Extensions |
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.
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.
In June 2012, the Insurance Council of Australia and Federal Government agreed to adopt the below definition.
The definition of flood is:
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.
No – most insurers do NOT offer Flood as an automatic cover. If you want this cover under your policy, please tell your Adviser.
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.
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.
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.
Phone |
View specific contact centre hours or find your Austbrokers Comsure team member.
Payments |
We offer a number of payment options. If you have questions contact our office.
Contact Us |
Let us help you with any questions you have regarding existing or new policies.
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Brisbane (Head Office) Level 9, 200 Creek Street Brisbane QLD 4000 |
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Sydney 26 Hunter Street Parramatta NSW 2150 |
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Springfield Central Level 6, 145 Sinnathamby Boulevard Springfield Central QLD 4300 |
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Sunshine Coast Suite 9, 3-5 Ballinger Road Buderim QLD 4556 |
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