Business Contents Insurance
Business contents insurance can help protect your valuable office or factory equipment assets. Business owners outfit every office, factory or warehouse differently. Business content insurance that covers one enterprise may be insufficient for another. SMART Business Insurance may be able to help you find business contents that can protect your contents at an affordable price.
You can depend on your SMART broker to help you find an appropriate policy to suit your requirements. Our personalised service means you may have found a business insurance broker who strives to understand your unique business risks.
Why overpay? With a customized business contents policy, you only buy as much small business contents insurance as you need. Your friendly broker will help you make changes to your policy as your business grows and changes.
Why Buy Insurance for Your Business Contents?
Just as it is important to tailor your insurance for your home’s contents, it is just as important to insure your business contents. Without your contents, you may be unable to operate. Protecting your business contents is vital to protect your income.
All these occupations require adequate contents protection.
- Professionals such as computer specialists or accountants
- Retail shops
- Work-from-home entrepreneurs
- Anyone with a separate business premises where you store equipment and tools
Protecting your business contents protects your income stream. If you had a theft, for example, would you have the cash to purchase new tools and equipment at today’s prices? Business contents insurance is a vital tool in your risk management toolbox.
Types of Business Contents
You should strongly consider insuring any business contents that you cannot replace quickly and inexpensively. Is that piece of equipment, machinery, or tool vital to your business? If yes, it is best to insure it.
Consider the replacement value of these business contents when selecting an insurance value.
- Business equipment
- Computer equipment
- General contents such as laptops, mobile phones
- Office, warehouse and factory fit-out
Other Covers to Consider with Your Business Contents Insurance
There are several ways to cover your business contents. These include the following.
- A standalone contents policy
- A business contents and public liability, recommended for all small businesses
- A business contents and professional indemnity policy
- A business insurance pack which can also include insurance for any of the following
Insurance Brokers Are Not All Alike
Not too sure what cover you need for your small business? SMART Business Insurance brokers discuss business contents insurance with small business owners almost every working day. For more information and general advice about your protecting your business contents, contact a friendly SMART business insurance broker on 1300 542 573 or enquire online.
How Much is Business Contents Insurance?
Business contents cover is surprisingly affordable. The amount of equipment you cover, and the amount of your deductible, are two elements in determining your business contents premium.
Whether you would like a quote for standalone business insurance contents or would like a combined quote with another cover such as public liability, or a business insurance pack, a friendly SMART business insurance broker should be your first stop. For a fast and affordable quote call us on 1300 542 573 or enquire online.
Every business owner manages cash flow differently. Did you know our you can pay for your business contents policy by the month? Ask us about our affordable financing options.
Important: Cover may be available subject only to meeting the insurer’s underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations. Talk to a SMART Business Insurance broker on 1300 542 573 for more information.