Business insurance
When you’re a business owner, even a small financial setback can have a big impact on your business. At Considines, we can help you assess your business’ unique risks, and tailor the right protection – providing a safety net to protect everything you’ve worked hard to build.
What it can cover
- Property damage
- Legal liability
- Employee-related risks
- Business assets
- Operational costs
Public and products liability
No matter how careful you are, accidents can always happen. But with public and products liability insurance, we can protect you against the financial risk of a customer, supplier or visitor to your business becoming injured or ill at your workplace or because of your products.
What it can cover
- Legal costs
- Damage to property
- Personal injury or illness
- Loss or damage of goods
- First aid expenses
- Others acting on your behalf
Trades insurance
If you work as a tradie, you face extra risks on the job – so you need extra protection for your health, your livelihood and your business. We can tailor a trades package that takes care of all your insurance needs, whether you’re a painter, gardener, hairdresser, electrician or work in other trades.
What it can cover
- Tools and equipment
- Motor vehicle
- Public liability
- Personal illness and injury
- Income protection
- Risk management
Professional indemnity
When you’re providing a service or advice to your customers, you are exposed to the risk of a legal claim. Professional indemnity insurance provides a financial buffer for any breach or negligence of your duties while doing business.
What it can cover
- Legal fees
- Compensation payouts
- Costs of defence
- Property damage
- Personal injury
- Financial loss
Farm insurance
Whether you’re running a small family farm or a large agricultural business, farmers are vulnerable to diverse risks, from crop failure to machinery breakdown. We can tailor the best insurance solution for your needs, to keep your farm running – no matter what happens.
What it can cover
- Home and contents
- Farm liability
- Equipment and machinery
- Livestock and fencing
- Business interruption
- Buildings and silos
Hard to place risks
At Considines, we can help you assess and find quality insurance cover for hard-to-place risks, so you can get the protection your business needs. With our strong industry partnerships and access to a wide range of insurance solutions, we’re confident of placing any risk your business faces.
What it can cover
- High-risk operations
- Owners with little or no experience
- Cancellation or non-renewal from insurer
- High-risk locations
- High severity of claims
- High frequency of claims
Cyber insurance
While the internet has transformed the way we do business, it also poses a significant risk – with a growing number of cyberattacks on Australian companies each year. We can tailor a cyber insurance solution to manage the risks, and minimise the financial and reputation damage after an attack.
What it can cover
- Data recovery or replacement
- Loss of revenue or business
- Crisis management and monitoring
- Ransom payments
- Legal claims
- Copyright infringement
Management insurance
Even the smallest business is responsible to a large number of stakeholders, including customers, employees and investors. So, if there is a breach of legislation or compliance, management insurance cover can protect company directors, officers and managers against liability.
What it can cover
- Legal costs
- Crime cover
- Employment practices liability
- Director and officer liability
- Company liability
- Tax audit expenses
Machinery insurance
Your business relies on the efficient functioning of your machinery or equipment – so a breakdown or damaged part could have a significant impact on your operations. But with machinery insurance, we can make sure that mechanical failure doesn’t make a dent in your bottom line.
What it can cover
- Equipment breakdown
- Costs of replacement or repair
- Loss of income or profits
- Deterioration of stock
- Temporary higher costs
- Business interruption