Small Business Insurance

We’ll work hard for your business

No matter how vigilant you are as an operator, every business is exposed to a variety of risks. While no one can predict what’s around the corner, with the right cover in place, you can protect your business from adverse financial impact.

Small Business insurance is tailored to the needs of different industries and occupations and our team is ready to work for you providing business insurance solutions in Melbourne, Sydney, Brisbane, Adelaide and Perth.

Our experienced business team will take the time to understand your operation before we recommend customised cover that may include products from across our range of policies. Typically, our proposed solution would consider how we can help to:

Protect your assets

• Damage to property including business premises, stock or contents from a wide range of risks including fire, flood, malicious damage and other unforeseen events.
• Theft of property by third parties or employees
• Plant and equipment that’s essential to your continuing operations. We’ll get you back to business quickly.

Protect your business

• Public and products liability insurance to cover third party personal injury and property damage as a result of your negligence.
• Tax investigation cover for expenses incurred if your business is audited or investigated by the ATO.
• Management liability to protect key personnel from a range of adverse claims.
• Cyber security covers the new range of threats and risks to which businesses are exposed in a connected world. These can be costly to investigate and remediate.
• Employee fraud insurance can cover employee fraud, dishonesty, theft of stock, money and even business intelligence.

Protect yourself

We can refer you to Gallagher Benefit Services a division of Arthur J. Gallagher & Co (Gallagher), who may be able to help with a range of personal insurance products that can provide income replacement or lump sum payments for a range of events that meant you were unable to keep earning an income, either permanently or for an extended period.

Protect your family’s financial future with cover that could include:

• Injury and Illness Insurance
• Income Protection Insurance *
• Total and Permanent Disability Insurance
• Term Life Insurance
• Trauma Insurance

* Income Protection Insurance is provided by Gallagher Benefit Services a division of Arthur J. Gallagher & Co (Gallagher), providing employee benefits, consulting and financial advice to businesses and individuals. Gallagher Benefit Services FSG is available here.

Insurance designed for your business

At imar, we understand there’s no single insurance solution for every business. That’s why our business insurance team will take the time to understand how you work and the potential areas of risk that you and your business could face. Then, we’ll work hard to build the insurance policy that covers what’s important to you, for the most competitive premium we can offer. Easy!

And if you ever need to make a claim, we’ll take care of things quickly and painlessly. We’re open for claims 24/7 to get you back in business quickly.

You should consider if the insurance is suitable for you and read the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and policy wording before making a decision to acquire insurance. Please ask us for more details before we provide you with our services.