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All Around Insurance | Insurance Advisor Prestons

All Around Insurance is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in Prestons 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 Public & Liability Insurance and Plant and Machinery Insurance as well as a broad range of insurance products.

Insurance Expertise

Public and Liability Insurance
Owning a business isn’t always easy and with so many events and scenarios out of your control you need to provide your business with the best protection possible with a comprehensive insurance plan. Deciding what type of insurance best suits you depends on a range of factors, including what type of business you own, the number of employees and even your place of business. The most common insurance covers adapted by businesses are public and product liability. Public liability is an important insurance policy to consider particularly if your business does not have a premises and offers services that are delivered to clients. The reason this particular policy is important is that it will cover you if your business has been found liable for a third-party to have injured themselves on your property or as a result of business actives. The cost of the third-party’s medical bills, legal representation and damages will be compensation up to a maximum limit. Product liability insurance will cover your business against potential lawsuits from faulty products that may have lead to damage, illness, injury or death to a person. If your company does not have the correct business insurance coverage, it can suffer from severe financial, legal and managerial issues. This can result can potentially impact to flow of the business and can even damage the business in the long-term.
Plant and Machinery Insurance
It can be difficult to decide what insurance cover best suits your business and while common covers such as public liability and worker’s compensation are widely known, speciality insurance covers can often be forgotten. However, these covers ultimately provide the most unique and protective cover for your business as they cater directly to your needs and concerns. Businesses that operate and function using plant and machinery such as trade industries, farming and agriculture, plant hire, landscaping and many more could benefit from plant and machinery insurance. This is because these industries utilise their machinery on a daily basis in order to execute their current projects and contracts for clients. Machinery breakdown can lead to loss of profits, damaged reputation, loss of business and a range of other short-term and long-term consequences. With plant and machinery insurance your machinery, plant and equipment are covered from theft, breakdown and repairs. Some of the many items that are covered with this option include tractors, trailers, cranes, forklift, bob cats and many more. Speak to your insurance provider to find the best insurance plan to protect your business.

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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