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Business insurance solutions

Key Considerations when Choosing a Business Insurance Provider

As a business owner, you will know how important insurance is to protect your company against unexpected incidents. But if your insurance is not tailored to your business requirements, you may not have the coverage you need. Mismatched business insurance policies can also mean you are underinsured or paying too much for insurance premiums.

The types of business insurance you need include the insurance you must have as required by law, like workers’ compensation insurance and insurance your business needs to protect your assets, employees, earnings and customers.

Atlantic Insurance specialises in providing business insurance for companies throughout Australia. We are committed to helping our clients work towards their business goals while having peace of mind and protection against unforeseen circumstances.

Importance Of A Good Business Insurance Provider

When searching for a good business insurance provider, the insurance policies must match your business requirements. Atlantic Insurance team of experienced Insurance Brokers give our business customers peace of mind by:

  • Being legally compliant.
  • Assisting with risk identification, mitigation and management
  • Providing industry insights
  • Supporting business continuity
  • Encouraging customer confidence.
  • Handling insurance claims efficiently.

We tailor all business insurance coverage to suit your business needs and requirements.

Elements Of A Reliable Business Insurance Provider

When searching for a reliable business insurance provider, use the checklist below.

1. Choose a reputable insurance company

Obtaining business insurance quotes only from reliable and financially stable insurance companies with a proven track record will give you peace of mind that your business will be covered. Also, ensure the business insurance company is licensed to operate in the state or territory where your business undertakes business activities.

2. Personalised coverage options

When sourcing business insurance options, ensure the policies you receive quotes for are tailored to suit your business’s unique needs. Most business insurance policies will include the following:

  • Public liability insurance
  • Fire, Theft and Glass Covers
  • General Property or Tools of Trade Covers
  • Business Interruption covers

Other related policies may Include Cyber, Professional Indemnity and commercial Motor Policies.

3. Efficient claim handling

If you ever need to claim through your business insurance, the claims process must be efficient and streamlined, so you get a prompt settlement and minimise the impact on you and your business.

4. Transparency

When comparing different business insurance quotes, understanding the policy terms and conditions and their implications on you or your Business is especially important. It is the role of Atlantic to ensure it presents Providers that keep up to date with industry trends and best practice to ensure their offering is aligned with your Insurance needs.

5. Affordability

Choosing the cheapest business insurance quote can be tempting, but it may not be the best policy for your business. Instead of choosing business insurance based on premium costs, look at the insurance protection that best matches the risks your business may face. Atlantic Insurance brokers are experienced at finding the most suitable option within your budget.

6. Risk management services

Ask your insurance broker if there are risk management practices or processes that can be adopted or integrated into your business. This could contribute to your business being less likely to experience a claim, positively impact premium and enhance your reputation or standing in your industry. This has become especially important as businesses look to attract staff.

7. Flexibility

All insurance providers should be able to adapt when your business needs change. To ensure your coverage meets your business requirements, a reputable insurance company will be able to refine a policy, its limits and perhaps even its exclusions, and inclusions in line with your Business needs.

Comprehensive Protection For Your Business With Atlantic Insurance

Atlantic Insurance has provided business insurance for companies across Australia with peace of mind for over 25 years. Our experienced team has developed a sharp understanding of the risks involved in various industries. Contact us today to discuss the best options to protect your business.

Any information contained on this page of the website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. Your should consider these, having regard to the appropriateness of this advice and the relevant Product Disclosure Statement (‘PDS’), Target Market Determination (‘TMD’) and Financial Services Guide (‘FSG’), which will be provided following any formal recommendation to you.

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