Targeted Insurance Solutions is a Corporate Authorised Representative of Insurance Advisernet Australia Pty Ltd. AFSL No. 240549. Corporate Authorised Representative No. 441426. Visit the Insurance Advisernet website

Targeted Insurance Solutions is a Corporate Authorised Representative of Insurance Advisernet Australia Pty Ltd. AFSL No. 240549. Corporate Authorised Representative No. 441426. Visit the Insurance Advisernet website

Business Insurance

SME Business Insurance Pack

Business Insurance is used by many businesses, but it’s best suited to SME-type operators.

What is it?

Business Insurance is used by many businesses, but it’s best suited to SME-type operators. It provides invaluable protection against a range of insured events, from equipment and assets to legal liability, reducing financial uncertainty and protecting your livelihood and your workforce in the event of an incident.  

What it covers

Business Insurance policies typically allow you to select relevant sections of cover based on your individual needs, and then group them all together in one policy. It’s important to remember the sections of cover, and the cover itself, can vary considerably from insurer to insurer. Some of the more common sections you can expect to see in a standard business insurance policy include:

  • Property Damage – covering property damage to your business assets such as buildings, contents, stock and customers goods in the event of an insured incident. 
  • Business Interruption – covers loss of profits in the event of a property damage claim.   
  • Burglary/Theft – covering theft of goods from the insured premises.   
  • Money – covers theft of money in a variety of locations such as whilst on the premises during business hours, outside business hours, during transit, in a locked safe and even at private residences.  
  • Liability – covers legal liability for injury and/or damage caused to a third party.  
  • General Property – covers portable property that you take away from your premises against material damage perils.  
  • Computer and Electronic Equipment – covers loss or damage to computer and/or electronic equipment.

As you can see, there’s a lot to consider. Insurance Advisernet Authorised Representatives are specialists when it comes to Business Insurance and make it their business to understand yours.

Liability Insurance

Despite the very best of intentions, accidents can still happen in any business. Public and Product Liability Insurance  protects you against claims for personal injury or damage to a third party.

What is it?

Despite the very best of intentions, accidents can still happen in any business. Public and Product Liability Insurance protects you against claims for personal injury or damage to a third party.

What does it cover? 

Today’s businesses are exposed to an ever-growing list of legal liabilities. As increasing globalisation makes the world and legal systems more complex, so does the process of ensuring your liability policy is broad enough to pick up all of the legal liabilities you’re potentially exposed to in the normal operation of your business. 

Public Liability Insurance covers the cost of legal action and compensation claims made against your business if a third party is injured, or their property suffers damage whilst at your business premises or when you are working in their home, office or business. 

Your policy can include coverage such as: 

  • Public Liability 
  • Products Liability 
  • Advertising Liabilities 
  • Care, Custody & Control Exposures.

Just as important as understanding what your business is covered for, is knowing what isn’t covered. That means asking the right questions – something your Insurance Advisernet Authorised Representative is ideally placed to do.

Commercial Motor Insurance

Policy provides coverage for physical loss, damage or theft to your vehicle. It can be extended to cover Loss Damage or injury to a third party.

What is it?

Policy provides coverage for physical loss, damage or theft to your vehicle. It can be extended to cover Loss Damage or injury to a third party.   

What does it cover? 

Motor Insurance comes in many forms. It can be provided for your own personal vehicle, or to cover company vehicles, vans, trucks and heavy goods vehicles. Whether you have one vehicle or many, your policy can be tailored to cover your entire fleet, with various levels of comprehensive and third party coverage able to be arranged. 

An Insurance Advisernet Authorised Representative can help you tailor the ideal level of motor/vehicle cover for your business.

Machinery Breakdown Insurance

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What is it?

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What does it cover? 

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Our Commitment

As your appointed General Insurance Advisers, we commit to:

  • Conduct an analysis of your risk/needs and advise our recommendations on the correct covers required to protect your assets and liabilities
  • Recommend the appropriate Insurer to match the risk
  • Only recommend financially secure and stable Insurers
  • Provide alternatives on your risk retention through various excess options
  • Provide alternatives to pay premiums in monthly instalments
  • Prompt and timely servicing of your account to ensure you are adequately informed of issues that may affect your business

In the event of a claim we will:

  • Provide you with the Insurer’s Claim Form
  • Arrange for the Loss Assessor to be appointed if applicable
  • Advise you on the completion of the Claim Form
  • Submit the Claim Form to the Insurer on your behalf
  • Provide advice to ensure you have received your full entitlements