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Business Insurance Quote

Business Insurance is complex so we will phone to obtain the neccessary details

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Liability Insurance Quote

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Level of protection $

Insured Details

Insured Address

Do you/expect to hire subcontractors?

Yes, I do No, I don't

Do you expect to engage labour hire?

Yes, I do No, I don't

Does the business export any products to North America?

Yes, I do No, I don't

Current Insurer Details

In the last five (5) years, has the insured ever been placed in receivership or liquidation or declared bunkrupt?

Yes, I have No, I haven't

In the last five (5) years, have you been convicted of or had any fines or penalties imposed for any crime involving drugs, dishonesty, arson, theft, fraud or violence against any person or property?

Yes, I have No, I haven't

Have the insured ever had insurance declined or cancelled or had special terms imposed by an insurance company?

Yes, I have No, I haven't

5 year Claims History

Disclaimer and terms and conditions. By submitting this quote request you agree that: I/We have read the duty of disclosure included in this Application Form. I/We confirm that the answers and statements in this application are correct and that no information has been withheld which may affect the decision to accept this application or the terms and conditions. A) intermediaries through which I/we deal with HG Insurance Services Pty Ltd (for instance an agent, broker or financial advisor); B) claims assessment participants (for instance an assessor, investigator and/or loss adjuster); C) other reputable service providers (for instance mail houses ); and/ or D). Underwriters, who are responsible for part/all of the risk under a contract of insurance (for instance a reinsurer). I/We understand that HG Insurance Services Pty Ltd may give to or obtain from other insurers and/or Insurance Reference Services information from this application and claims information obtained through the course of the contract. By submitting this Application Form, I/we consent to HG Insurance Services Pty Ltd collecting and using this information for these purposes. This is subject to my/our right to opt out of receiving various direct marketing materials at any time. I/We acknowledge that I/we have rights to access my/our personal information held by HG Insurance Services Pty Ltd in accordance with the National Privacy Principles. I/We understand that this insurance does not operate until acceptance of this application in writing by HG Insurance Services Pty Ltd (except for any cover provided under an interim contract of insurance). Prior to personal and sensitive information being collected and any personal advice and or insurance product advice being made I/we received a copy of the FSG and given the opportunity to read it before voluntarily giving my personal information. The Adviser told me/us that if I/we chose not to provide the adviser with complete and accurate information, that the adviser could only give me/us Limited Advice warning in relation to the limitations of the provision of personal advice. That the advice and recommendations given may not be accurate or truly suit my needs.

Yes, I agree No, I don't agree
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Building & Contents Insurance Quote

Home Contents Quote Form is for when you are occupying the premises. If a landlord please complete our landlord quote form

Applicant/Insured Details

Eldest applicants date of birth

Applicant postal address

Building details

Building sum insured (Building replacement cost excluding land, OR Contract Value for New building) $

Contents sum insured (landlords- consider fixtures and fittings such as carpets and blinds) $

Some insurers have sublimits on the maximum they will pay for a single, or group of contents unless they are specifically itemised on the policy. Please list below any items or group of items valued over $2,500 you would like listed on your policy

Public Liability Insurance - provides financial compensation for cases where a person injures themselves on your property

Public Liability Sum Insured

Floor construction

Wall Construction

Roof construction

Is the property well maintained structurally sound and secured against wind and rain?

Is the property undergoing renovations, under construction OR to be demolished?

Is your home location on a site exceeding 20,000 square meters?

Has the land where the building or contents are, been flooded or inundated by water in the last 10 years?

Is there a pool on your property?

Is any part of the risk address used for any business, trade or profession other than a home office, or is the building located on a farm or hobby farm?

Do you have padlocks on all external doors?

Does your building contain any Expanded Polystyrene (EPS) or External EPS cladding?

Yes, it does No, it doesn't

In the last five (5) years, has the insured ever been placed in receivership or liquidation or declared bankrupt?

Yes, I have No, I haven't

In the last five (5) years, have you been convicted of or had any fines or penalties imposed for any crime involving drugs, dishonesty, arson, theft, fraud or violence against any person or property?

No, I haven't Yes, I have

Have the insured ever had insurance declined or cancelled or had special terms imposed by an insurance company?

Yes, I have No, I haven't

In the last five (5) years, have you been convicted of or had any fines or penalties imposed for any crime involving drugs, dishonesty, arson, theft, fraud or violence against any person or property?

Yes, I have No, I haven't

Disclaimer and terms and conditions. By submitting this quote request you agree that: I/We have read the duty of disclosure included in this Application Form. I/We confirm that the answers and statements in this application are correct and that no information has been withheld which may affect the decision to accept this application or the terms and conditions. A) intermediaries through which I/we deal with HG Insurance Services Pty Ltd (for instance an agent, broker or financial advisor); B) claims assessment participants (for instance an assessor, investigator and/or loss adjuster); C) other reputable service providers (for instance mail houses ); and/ or D). Underwriters, who are responsible for part/all of the risk under a contract of insurance (for instance a reinsurer). I/We understand that HG Insurance Services Pty Ltd may give to or obtain from other insurers and/or Insurance Reference Services information from this application and claims information obtained through the course of the contract. By submitting this Application Form, I/we consent to HG Insurance Services Pty Ltd collecting and using this information for these purposes. This is subject to my/our right to opt out of receiving various direct marketing materials at any time. I/We acknowledge that I/we have rights to access my/our personal information held by HG Insurance Services Pty Ltd in accordance with the National Privacy Principles. I/We understand that this insurance does not operate until acceptance of this application in writing by HG Insurance Services Pty Ltd (except for any cover provided under an interim contract of insurance). Prior to personal and sensitive information being collected and any personal advice and or insurance product advice being made I/we received a copy of the FSG and given the opportunity to read it before voluntarily giving my personal information. The Adviser told me/us that if I/we chose not to provide the adviser with complete and accurate information, that the adviser could only give me/us Limited Advice warning in relation to the limitations of the provision of personal advice. That the advice and recommendations given may not be accurate or truly suit my needs.

Yes, I agree No, I don't agree
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Other Insurance Quote

So tell me, which insurance are you looking for?

Contact details:

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Business Insurance

Protect your business

Having the right insurance for your business is as important as who you chose to organise your insurance with and claims are a great moment of truth for any insurance policy. In a 2018 study, Vero Insurance found there was a significant difference between the amount of loss covered for broker users compared to direct buyers. When SMEs were asked approximately what percentage of the total losses did the claim cover, almost a quarter of broker users were covered for 100% of their claim, compared to only 10% of direct buyers. This speaks words of the importance of utilising a broker for your business insurance policy and explains why broker clients tend to be more satisfied with their claims experiences than those who buy direct.

Navigating the various sections of business cover can be a bit of mindfield. We discuss some of the sections in a business policy below.

Business Insurance

A Business Insurance Pack (often called a ‘Business Pack’) provides insurance cover for small to medium sized businesses. There are different sections of business insurance that can be tailored to your business. Some wont apply to you so our HG Insurance Specialist will want to discuss your business activities and do an onsite visit to first identify the risks that are unique to your business.

*Please note all insurance policies have exclusions. Please refer to the Product Disclosure Statement or Policy Wording before deciding whether the insurance policy meets your needs.

from $250.00
Level of Protection: Tailored to your business
Pay by the Month Yes

Whats covered

Types Of Business Insurance
Here are the sections of a business insurance that can be chosen to suit your your business:

Public & Products Liability Insurance
This covers you for if people come on to your property and injure themselves, if you cause property damage and most important of all if you make any products, this covers you for any injury or damage your goods may cause. Public Liability is required for most business leases and tradies.

Business Property
Property covers for things like fires, storms, floods (depending on policy wording) and other listed events. It covers your building (if your the owner), contents, stock, rewriting your documents and removal of debris.

Theft/burglarary
This is the section that you can choose a sum insured for your contents and stock that could be stolen in a forced entry burglary. Depending on your business, its unlikely that a thief would steal all of your stock and contents so you need to consider the sum of the items would most likely be stolen.

Glass Cover
You can cover both your internal and external glass on your business premise. Especially to be considered where you have large panes of glass or multi shop fronted. The excess can be tailored to be a small amount and your business signage can also be covered. Its usually very affordable to add this cover to your business package.

Business Interruption
In simple terms - your business building burns to the ground (property damage). You don't have the cash flow to cover your expenses while you rebuild or relocate and your profits just went up in smoke. Business Interruption insurance, when insured correctly, aims to replace your normal business profits and cover your operating expenses while your premise is being repaired OR there is an additional cover you can take to cover additional operating expenses such as relocating your premises.

Money
This cover is for business that want to cover their business cash. You have the option to decide how the cash is covered, such as during business hours or after business hours or locked in a safe or money at your private residences.

Transit Cover
If you ship or transit your goods around Australia, import or export goods overseas or are you responsible for transporting clients goods then transit cover should be considered. Covers are relatively cost effective for most businesses. An example would be a cabinet maker who transits the kitchen to the customer in a van. If the van were to have an accident the vans insurance is usually very limited in the cover of the items within the van, so in this case transit cover should be considered.

Machinery Breakdown
If you work with machines that are prone to breaking down and costing thousand to be replaced that you should look at machinery breakdown cover. This will generally also have an option for deterioration of stock, so if a refrigeration unit or freezer breaks down the spoilt stock can be covered under your policy.

Electronic Equipment Breakdown
Covers your electronic equipment used by the business such as computers.

Tax Audit
The cost of a tax audit can surprisingly be very expensive. With variable amounts to cover you for your accountants and audit preparation costs, this is essential cover for a lot of Australian businesses and individuals.

General Property
Commonly called tools cover, general property covers your tools, phones, mobile stock and a host of other things if they are stolen. Some polices have cover for property taken overseas and some have cover for accidental damage, but you will need to confirm the type of cover you require.

Employee Dishonesty
Do you have staff dealing with your banking? Employee dishonesty cover can help you mitigate your risk against theft and dishonesty by your employees.

Policy Sections tailored to you

References

What our Clients say?

Hi George, I'm still in shock that you discovered that my previous business policy setup by my old broker would not cover my business due to the nature of my business activities. You warned me upfront that you would like to ask as many questions as needed and to be upfront with you and the end result is that my eyes are open to the risks my insurer see's in my business and my duty to disclose details I would never have been asked by previous brokers. Now I warn other business owners to be selective of their broker or better still to deal with you. Thanks again and Merry Christmas!

Cass

Hi Bec, thanks again for all your help with the recent claim. Obviously its a stressful time but I feel a little more at ease to know your handling it.

Aaron August, 2017

Hi George,
Sorry for contacting you in such short notice regarding the issues that we are having with our renewal.
Thanks for sorting out the issue with our underwriting restrictions. We appreciate it.
Elie

Elie October, 2018

Company Details

HG Insurance Services Pty Ltd
A Corporate Authorised Representative (CAR) of Sphere Insurance Group.
Auth Rep No: 1252757, Australian Financial Services Licensee No. 478959.

Contact Details

Email address:
info@hgis.com.au

35 Amalfi Drive,
Surfers Paradise, Queensland, 4217

Mailing address:
PO Box 286
Isle of Capri, Queensland, 4217

Phone: (07) 5602 6409

Office hours:
Weekdays: 8:30am - 5:00pm
Weekends: By appointment
During claim: Anytime