Whether you operate in the heart of Sydney or out in regional NSW, it’s important to ensure your business is properly protected.
So many things can go wrong in business, and arguably small businesses have more to lose than their larger peers.
This guide will run through some of the important steps in obtaining business insurance in NSW.
There are a couple of different options when seeking quotes on small business insurance.
The traditional route was to contact a local insurance broker, or to contact insurance companies directly yourself via their call centre or website.
Increasingly small business owners are using online services to obtain quotes. This is sometimes via the insurance company’s own websites, but the growth of comparison website cannot be ignored.
These comparison websites can be useful, but if you’re running a small business it’s probably a better idea to seek professional advice.
If you want expert advice on your small business insurance the best option is to speak with an insurance broker.
Insurance companies themselves cannot give you advice. Their staff can speak to you about insurance, but they cannot provide personal advice or recommendations.
Although once upon a time you would need to use a local broker who you could meet with face-to-face, electronic communication is changing this.
Thanks to the internet, email and phone you can deal with a broker anywhere in Australia, rather than having to use a broker in Sydney or elsewhere in NSW.
Once you’re happy with the quotes you’ve received, and the advice you’ve received if applicable, the next step is to get your cover in place.
If you’ve contacted an insurance company directly you will simply take out the insurance with them. This can generally be done over the phone or via their website.
If you’ve used a broker for the quotes (and possible advice) then you’ll need to contact them to proceed with the cover.
This can also be done over the phone or via email in some cases. There is generally no need to meet with the broker in person.
So no matter where you are in NSW, getting quotes, advice and cover on small business insurance is as simple as picking up the phone or doing a Google search.
For more information please check out the other articles on our website, or follow this link to our online insurance quote form.