Aether Insurance & Risk Pty Ltd


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Aether Insurance & Risk | Insurance Adviser Warners Bay | Insurance Advisernet

Aether Insurance & Risk is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in Warners Bay our knowledge of the local insurance industry is second to none and our experience in handling insurance for many thousands of customers enables us to provide advice you can always trust. It also means you'll benefit from access to unrivalled financial strength, business efficiencies and buying power spanning every major insurer in Australia and New Zealand even access to major overseas insurers if and when required. We specialise in Business Insurance Newcastle and Professional Indemnity Insuranceas well as a broad range of insurance products.

As your appointed General Insurance Adviser, we will:

  • Conduct an analysis of your risk/needs and recommend the most appropriate covers 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
  • Allow you to pay premiums in monthly instalments
  • Provide prompt and timely servicing of your general insurance needs to ensure you are adequately informed of issues that may affect your business.

Insurance Expertise

Business Insurance Newcastle

Business insurance protects your company from any potential losses or unexpected events that occur during business hours. There are a range of insurance options for different businesses that include coverage for property damage, legal liability and employee related risks. In order to select the right insurance cover for your business, factors such as the type of business, business location amongst others need to be considered to find the most comprehensive option.

Depending on your concerns for your business, incidents such as theft, machinery breakdown, valuables, public liability or even deterioration of stock are available policy options. One of the most important types of insurance covers to have for your business is public liability, particularly if your business does not have a premise and consists of delivering services to customers. The reason for this, is that public liability insurance covers your business if a third party is found to have injured themselves at your business or as a result your business activities. Costs such as medical bills, legal representation and damages can be compensated to a maximum limit.

Without the correct business insurance, businesses can suffer from severe financial, legal and managerial issues. These issues can result in crises interrupting regular business flow and potentially impacting the business long term.

Professional Indemnity Insurance

Working in a profession where you are required to provide information or advice poses a high risk of giving false or incorrect information to your clients. There are a few precautions you can take to protect yourself, your business and your income. Professional indemnity insurance is one of the best covers you could invest for long-term protection. There are a range of industries that are eligible and are recommended to purchase professional indemnity insurance such as professionals who work in the media, real estate, charity groups and even leisure professionals.
Professional indemnity insurance is the insurance type that is designed to specifically protect you and your business from any claim made against you from a client claiming negligence, misconduct or breach of duty. These claims can often quickly become a legal issue which then can be very costly and results in a financial loss for your business. Every industry has a unique set of risks to their business therefore, there are unique insurance plans to diminish the risks associated with them. Professionals such as accountants will require professional indemnity insurance as it will protect them from any risks such as damages to a third parties from any breach of professional duty. Real estate professionals are required to have the professional indemnity insurance in order to protect them if they were to provide any misleading or false information to clients that lead to emotional, physical or financial losses.

Owning a business is a challenging task, therefore protecting yourself, your business and your income from any financial or legal losses professional indemnity is the best insurance.

Insurance Types

Builders' Warranty

A licensed builder will need Builders' Warranty insurance for some, or all of your residential jobs. Builders' Warranty protects your customer if they lose their deposit, you don’t finish the job or if it’s defective, and you die, disappear or become bankrupt. The rules vary from state to state across Australia.

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Business Insurance

Having adequate general insurance cover is one of the most fundamental parts of being in business, as it provides invaluable protection against a range of risk events – from equipment and assets to legal liability – reducing financial uncertainty and protecting your livelihood and that of your workforce. Insurance companies provide a wide variety of general business insurance policies so it’s essential to get the right one for your needs.

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Business Interruption Insurance

Business interruption insurance is designed to cover the shortfall in gross profits caused by the interruption to your business after a disaster or another type of insured event that forces you to close your doors for an extended period of time. It effectively returns your business to the same financial position it was in before the event occurred, allowing the quickest possible resumption of normal business.

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Contract Works Insurance

You need contract works insurance in place before a peg is put into the ground. Many things can go wrong where building works are involved, whether that be at excavation or even completion stage of any project. This insurance is designed specially to provide any physical and related party liability damage as well as loss of building materials, fire and malicious damage.

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Cyber Insurance

As digital technology has become more and more inseparable from the operations of most businesses, having cyber insurance has become more and more important.

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Directors & Officers / Management Liability Insurance

If you have a small to medium sized private company, you could be protected by a policy that covers claims from a wide range of management liabilities, such as; directors and officers liability, company reimbursement, company liability and employment practice liability.

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Home Insurance

If you run your business predominantly from home it’s important to be aware your existing home and contents insurance may not cover your business activities or equipment in the event you need to make a claim

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Liability Insurance

Despite a business’ best intentions sometimes accidents still happen. Product liability insurance protects against claims of personal injury or third party property damage caused by products that have been manufactured, sold or supplied by your business. In particular it can help to cover the potentially significant costs associated with legal and court costs.

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Marine & Hull Insurance

Marine insurance is designed to provide peace of mind, whether you have a pleasure craft that requires insurance or if you are moving cargo across water, land or air. Marine transit covers provides point-to-point coverage between your premises and those of your customers.

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Motor Insurance / Commercial / Heavy Motor Insurance

One of the more common types of business cover, motor/vehicle insurance protects your business fleet against costs arising from theft and accidents. Your policy can be tailored to include a range of commercial vehicles from cars and motorbikes to vans, trucks and even buses and heavy motor vehicles.

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Plant & Equipment Insurance

If you have mobile plant and equipment, we can arrange to ensure this plant and equipment is properly insured to protect both the equipment but importantly also the liabilities associated with its use. This product is designed to cover everything from the smallest of earthmoving machines through to the largest fixed or mobile cranes – and everything in between.

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Professional Indemnity

You always endeavour to provide the very best services and advice you can. Regardless, the threat of claims and litigation is very real in 21st Century Australian business and can potentially bankrupt a business. This is why if your business provides any kind of professional services and/or advice you should strongly consider having professional indemnity insurance.

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Property Insurance

A must if you have one or more business premises, property insurance provides financial protection in the event they are damaged or destroyed in a one-off event.

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Strata Insurance

Strata Insurance offers you peace of mind by providing liability cover in the event people are injured on common property. Typically it includes cover for lifts, pools, car parks, stairwells, gardens, wiring, balconies, walls, windows, ceilings and floors.

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Workers' Compensation

Workers' Compensation is compulsory for all Australian employers. It provides protection to workers if they suffer a work-related injury or illness. Any business that employs or hires workers on a full-time, part-time or casual basis, under an oral or written contract of service or apprenticeship, must have workers' compensation insurance that covers their workforce.

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