BUSINESS INSURANCE

When you want the proper professional advice on any matter, you ask an expert in the field. Insuring your business is no different and is a complex task best given to a registered insurance broker. Unlike "packaged" home or motor policies, you have to make many decisions on values and covers and need the guidance of an expert. Just some of the issues include:

• Fire & Perils (the basic coverage)
• Flood (you may need it - it is excluded on most standard policies)
• Accidental Damage
• Business Interruption and Increased Costs (you still have to pay the bills)
• Burglary/Theft
• Glass
• Money
• Fidelity Guarantee (employee dishonesty)
• General Property (cover for items outside your business premises)
• Transit (for moving your stock around in your vehicles)
• Engineering (breakdown of motors and other machinery)
• Electronic (breakdown of computers and other electronic equipment)
• Liability (Public and Products cover - essential for your business)
• Goods in Control (do you look after other people's property?)
• Professional Indemnity (do you give any advice or administer treatment?)
• Employment Practices (protection from some industrial law issues)
• Directors & Officers (are you a board member?)
• Contractors (are you a builder or earthmover?)
• Disability/Income Protection (what if you can't work from injury/illness?)
• Trade Credit (do your customers pay all their bills?)
• Motor Vehicle (what cover do you need on your vehicles?)
• Premium Funding (you can pay off your premium)
• Workers Compensation Funding (you can also have funding for this)

If you do not engage a broker and deal directly with an insurer or their agent, you cannot receive the full choice of products available. They will only present you with their products, which quite often are not exactly what you require.

As a registered insurance broker, RockSure does extensive and ongoing research to find the best quality policies.

Whether your business is a small "one man band" or an extensive retail, professional or manufacturing business, RockSure can look at your requirements and get the right advice for you. Contact us and ask for a quote today.

PAY PREMIUMS

For current RockSure customers, we have a convenient secure on-line premium payment system. Just click the button below to access (link opens in a new window).