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Allinsure | Insurance Adviser Canberra

Allinsure is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in Canberra 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 independent 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 and Construction/Builders Insurance as 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
Business insurance is a crucial policy for your business to protect yourself financially from any unexpected events such as formal lawsuit, financial loss or any other type of loss that has occurred during operating business hours. There are a variety of insurance policies for businesses that include coverage for any property damage, legal liability and employee related risks. To have the correct selection of insurance for your business, there are factors such as the type of business you operate, the location of that business and any other necessary needs that need to be considered. Some policy options that available to protect your company from any potential threat of theft, machinery breakdown, deterioration of stock amongst others. One of the most important covers for your business to invest in is public liability insurance, especially if your business does not have a premise and relies on you delivering your services to the customer. Public liability is an essential policy as it ensures your business is protected from any claims from a third-party who have injured themselves at your business or because of business activities. This insurance policy will also cover any costs from damages, injuries and legal fees up to a maximum limit. Owning a business is a risky choice to make but with the correct business insurance you can prevent yourself from facing any managerial, financial and legal issues.
Construction/Builders Insurance
Construction businesses are exposed to a wide range of risks from the heavy machinery, to physical labour and the worksite. In order to protect your business and employees, it is important to consider an industry specific insurance cover. The most common types of cover include public liability, worker’s compensation and contract works insurance. Public liability protects your worksite and premises should a third-party injure themselves, medical and hospital bills are financially compensated as well as potential legal representation. Workers compensation is legally required in Australia and provides protection to employees should they become ill, injured or die on your worksite. Medical and hospital costs are covered as well as any legal representation necessary, however, should an employee accept worker’s compensation, they forfeit their right to legal claims. Contract works insurance provides protection to one or more construction projects that a business may have against theft or damage of the construction site or the building under construction. Losses or theft are financially covered as well as any financial losses that result from the damage. Providing your construction business protection should be a priority, not only for your income but the wellbeing of your employees, the best way to do this is to invest construction 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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