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Business Insurance

Business insurance is essential for protecting your business and your livelihood from the financial consequences of a potential mishap that could easily wipe out your assets, damage your brand or end up in litigation.
We work with clients from all industries, ranging from sole traders to multinational brands, and are confident we can find the right business insurance solution for you.

Business Insurance for the Retail & Franchise Industry

Whether you’re a small craft store, a large food and beverage franchise or an online retailer selling direct to customers, you need to make sure your business and property is covered for things like: 
Public & Product Liability Insurance
Protects your business against liability claims, including personal injury and property damage
Management Liability Insurance
Provides indemnity for directors and officers, as well as the business entity, in the event of an alleged breach of duty, employment-related dispute, fraud, and regulatory fines and penalties
Cyber Insurance
Provides coverage for privacy and data breaches, including simple incidents such as attaching the wrong file to an email or using a copyrighted image on a website, to a more complex hacking or ransomware event and loss of customer information
Corporate Travel Insurance
Reimburses the unexpected costs arising from travel, including illness and injury, lost luggage, cancellation and delay (also includes cover for directors’ leisure travel)
Business Package Insurance
A customised insurance package for businesses to protect against property damage, business interruption, burglary, glass, public liability and equipment breakdown
Equipment Breakdown Insurance
Responds to costs incurred to repair or replace equipment following a breakdown
Spoilage Insurance
Reimburses the purchase cost of spoiled food and beverage stock following an equipment breakdown
Commercial Motor Insurance
Comprehensive insurance cover for the vehicles you use in your business
Goods In Transit Insurance
Protects goods in transit, including imports, exports and Australia-wide sendings
Product Recall Insurance
A comprehensive cover designed for businesses at every stage of a product supply chain. Provides both first party (your own) and third party (others) costs incurred for the recall of a product.

Management Liability Insurance in Action

The Client

A restaurant with 20 staff and an annual turnover of $800K

The Claim

A marketing firm was sued for misleading and deceptive conduct by one of the Insured’s competitors for advertising that the Insured restaurant employed a celebrity chef when this particular chef was actually employed by the competitor.

The marketing firm then joined the Director of the Insured to the proceedings alleging that they provided them with a verbal and written statement that this celebrity chef was employed in their restaurant.

The Outcome

The claim was ultimately settled out of court for the amount of $50,000 with the Insured agreeing to contribute $25,000 to the settlement of the claim.

Business Insurance for Marketing & Advertising Businesses

If you’re a marketing or advertising professional, you need to ensure you’re covered for public liability and professional indemnity issues, as well as copyright or trademark infringement related to your content. This may require additional coverage to protect against civil action claims, such as allegations of libel, slander, defamation and disparagement.
BlueRock’s business insurance team understands your specific needs and helps clients, including digital agencies and graphic design specialists to find the right level of cover to be properly protected.

Some types of coverage that you should consider include:

Public & Product Liability Insurance
Protects your business against liability claims, including personal injury and property damage
Professional Indemnity Insurance
Protects your business against claims for financial loss arising from an act, error or omission in the performance of your professional services
Media Liability Package Insurance
A combined professional indemnity and public liability package designed to protect publishers, broadcasters, advertising agencies, authors, entertainment companies, and other businesses that create or provide content
Management Liability Insurance
Provides indemnity for directors & officers as well as the business entity in the event of an alleged breach of duty, employment related dispute, fraud, and regulatory fines & penalties
Cyber Insurance
Provides coverage for privacy and data breaches, including simple incidents such as attaching the wrong file to an email or using a copyrighted image on a website, to a more complex hacking or ransomware event and loss of customer information
Portable Equipment Insurance
Accidental loss and damage cover for portable equipment, including phones, laptops and tools
Corporate Travel Insurance
Reimburses unexpected costs arising from travel, including illness and injury, lost luggage, cancellation and delay (also includes cover for directors’ leisure travel)
Office Package Insurance
A package tailored to office-based businesses, which protects against property damage, business interruption, burglary, glass, public liability and electronic equipment breakdown
Business Package Insurance
A customised insurance package for businesses to protect against property damage, business interruption, burglary, glass, public liability and equipment breakdown

Office Package Insurance in Action

The Client

A marketing agency with 23 Staff and $14m in revenue

The Claim

The Insured’s receptionist was greeted by someone falsely claiming to be a contractor there to undertake servicing of various employee laptops. Majority of staff were in a meeting at the time and so the receptionist allowed him through. 

The “contractor” proceeded to go through the office and take laptops from offices and desks that were empty.  He left with the laptops and when the meeting finished, it was discovered that the IT contractor did not exist and a theft had occurred. 

The Outcome

The theft section of the insured’s office pack responded to cover the stolen laptops. The payment was $18,000.

Business Insurance for Professional Services

Our BlueRock business insurance advisors have worked with a wide range of professional services businesses, including IT professionals and business consultants. We get the right coverage to protect you and your business from any civil action that may arise and ensure you, your brand and your business are protected from all angles.

Some types of coverage that you should consider include:

Public & Product Liability Insurance
Protects your business against liability claims, including personal injury and property damage
Professional Indemnity Insurance
Protects your business against claims for financial loss arising from an act, error or omission in the performance of your professional services
IT Liability Package Insurance
A combined professional indemnity and public and product liability package tailored to the needs of IT consultants
Media Liability Package Insurance
Provides indemnity for directors and officers as well as the business entity in the event of an alleged breach of duty, employment related dispute, fraud, and regulatory fines and penalties
Management Liability Insurance
Provides indemnity for directors and officers as well as the business entity in the event of an alleged breach of duty, employment related dispute, fraud, and regulatory fines and penalties
Cyber Insurance
Provides coverage for privacy and data breaches, including simple incidents such as attaching the wrong file to an email or using a copyrighted image on a website, to a more complex hacking or ransomware event and loss of customer information
Portable Equipment Insurance
Accidental loss and damage cover for portable equipment, including phones, laptops and tools
Corporate Travel Insurance
Reimburses unexpected costs arising from travel, including illness and injury, lost luggage, cancellation and delay (also includes cover for directors’ leisure travel)
Office Package Insurance
A package tailored to office-based businesses, which protects against property damage, business interruption, burglary, glass, public liability and electronic equipment breakdown
Business Package Insurance
A customised insurance package for businesses to protect against property damage, business interruption, burglary, glass, public liability and equipment breakdown

Professional Indemnity Insurance in Action

The Client

Accounting Firm, 7 Staff, $1m revenue

The Claim

A client alleged that their income tax returns the Insured had prepared, were incorrect. As a result, they suffered a loss and sought reimbursement of $120,000. 

The Outcome

The Insured was able to claim indemnity under their PI policy for a total of $130,000.

Business Insurance for the Manufacturing Industry

When it comes to manufacturing, no two businesses are the same. From safeguarding the machinery and equipment used to manufacture the materials, to ensuring safe transportation and logistics of importing / exporting raw materials these are all elements you need to consider to ensure your business is adequately protected.

Some types of coverage that you should consider include:

Public Liability Insurance
Provides indemnity for defence and settlement costs arising from allegations of physical injury or property damage caused by your business activities
Product Liability Insurance
Provides indemnity for defence and settlement costs arising from allegations of physical injury or property damage caused by your products
Management Liability Insurance
Provides indemnity for directors and officers as well as the business entity in the event of an alleged breach of duty, employment related dispute, fraud, and regulatory fines and penalties
Corporate Travel Insurance
Reimbursement of unexpected costs arising from travel including illness and injury, lost luggage, cancellation and delay (also includes cover for directors’ leisure travel)
Equipment Breakdown Insurance
Responds to costs incurred to repair or replace equipment following a breakdown
Manufacturers Errors & Omissions Insurance
Covers manufacturers for manufacturing errors or negligent services that result in a financial loss to their customer
Commercial Motor Insurance
Comprehensive cover that protects the vehicles you use in your business
Goods In Transit Insurance
Provides coverage for goods in transit, including imports, exports and Australia-wide sendings
Industrial Special Risks Insurance
An ‘all risks’ property insurance solution for larger multi site manufacturers and property owners;
Recall Expenses Coverage (Liability extension)
A coverage extension under the liability program designed for manufacturers that extends to cover the costs of conducting a recall, including transportation, notification to customers and disposal costs
Product Recall Insurance
A comprehensive cover designed for businesses at every stage of a product supply chain, which provides both first party (your own) and third party (others) costs incurred for the recall of a product
Cyber Insurance
Provides coverage for privacy and data breaches, including simple incidents such as attaching the wrong file to an email or using a copyrighted image on a website, to a more complex hacking or ransomware event and loss of customer information

Public Liability Insurance in Action

The Client

A paper products manufacturer with 32 staff and $18M in revenue

The Claim

A roofing contractor attended the insured’s premises to inspect the factory’s roof, falling through a laser light panel to the concrete floor below.

The Outcome

The contractor sued the insured for failing to maintain their premises and failing to provide a safe workplace. The public liability insurer settled the loss for $610k.

Business Insurance for the Construction and Property Industry

The construction and property industry is complex, and whether you’re operating a large-scale commercial project or a smaller residential build, any disruption can significantly impact project timelines and leave your business exposed to legal, reputation and financial risk. Whatever your trade, your BlueRock business insurance advisor will work with you to ensure you have the right cover to protect your property or construction business.  

Some types of coverage that you should consider include: 

Cyber Insurance
Provides coverage for privacy and data breaches, including simple incidents such as attaching the wrong file to an email or using a copyrighted image on a website, to a more complex hacking or ransomware event and loss of customer information
Portable Equipment Insurance
Accidental loss and damage cover for portable equipment, including phones, laptops and tools
Contract Works Insurance
Covers for both materials (on-site and in-transit) and public liability associated with construction projects
Domestic Builders Insurance
Required by builders conducting any domestic construction projects in Victoria over $16,000
Design & Construct Insurance
A tailored professional indemnity solution that protects design and construction professionals
Personal Accident & Illness Insurance
Covers you for loss of income if you are unable to work because of an accident or illness
Commercial Motor Insurance
Comprehensive cover for the vehicles you use in your business
Plant & Equipment Insurance
Covers you for material damage, road risk, public liability and business interruption for heavy plant & equipment

Contract Works Insurance in Action

The Client

A commercial construction firm with 20 staff and $8m in revenue

The Claim

During refurbishment and fit-out of a new entertainment venue, vandals extensively graffitied the exterior of the building.

The Outcome

The contract works insurer paid for the building to be entirely repainted, necessitating traffic and pedestrian management and height access equipment at a total cost of $38k. 

Business Insurance for Biotech and Life Sciences Businesses

Whether your business is focused on the supply of medical devices, drug discovery, contract research or clinical trials, our insurance team at Bluerock will work with you to ensure that your business is fully protected with the best cover and premium.

Some types of coverage that you should consider include:

Cyber Insurance
Provides coverage for privacy and data breaches, including simple incidents such as attaching the wrong file to an email or using a copyrighted image on a website, to a more complex hacking or ransomware event and loss of customer information
Portable Equipment Insurance
Accidental loss and damage cover for portable equipment, including phones, laptops and tools
Corporate Travel Insurance
Reimburses unexpected costs arising from travel, including illness and injury, lost luggage, cancellation and delay (also includes cover for directors’ leisure travel)
Office Package Insurance
A package tailored to office-based businesses, which protects against property damage, business interruption, burglary, glass, public liability and electronic equipment breakdown
Goods In Transit Insurance
Covers goods in transit, including imports, exports and Australia-wide sendings
Life Science Liability Insurance
A liability package product specifically designed for biotech companies, with specialised products for general liability, products and human clinical trials liability as well as errors and omissions

Cyber Insurance in Action

The Client

A medical services business with 6 staff and $3.2m in revenue.

The Claim

The Insured’s system, which held confidential medical information on their patients, was compromised by a ransomware attack. As the Insured could not access their patients’ medical data, they were unable to operate.

The Outcome

IT Forensic Consultants were appointed to fix damage to the Insured’s system and investigate if the hacker still had access to the system. A law firm was also appointed to assist the remediation process and advise if the client had to report the matter to the Privacy Commissioner. Payment of $63,000 was made in relation to business interruption loss, forensics and legal costs.

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