BurMac Financial Services Pty Ltd

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BurMac Financial Services | Insurance Adviser Dubbo

BurMac Financial Services is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in Dubbo 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 Farm Insurance and Crop 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

Farm Insurance
Owning a farm is a huge undertaking that encompasses both your professional and private life. With this come risks not only to your business and income but your assets such as your home. In order to protect your farm from both expected and unexpected circumstances invest in an farm specific insurance plan that understand your livelihood and needs. Popular farm insurance options include home and contents, farm property, farm liability, fire and defined events. Home and contents insurance protects your home and valuables from damage due to natural disaster, theft or even accidents because your farm is more than just your business, it’s also your home. Farm property insurance covers any aspects of your rural property that are related to your business such as fire prevention or extinguishment, employee belongings as well as replanting flora such as trees. Farm liability provides your farm cover against any physical injuries that occur on your property, financially compensating medical or hospital bills. Fire and defined events provides financial protection for loss or damage of business tools, equipment, stock or building in the event of a fire, lightning, explosion, earthquake, impact from falling trees, malicious damage or even storm damage. Your farm is your home and your business and it deserves as much financial and legal protection as possible to secure all aspects of your lifestyle. With a farm insurance plan, risks can be minimised, keeping your business and home safe.
Crop Insurance
The nature of agriculture is often high-risk as there are circumstances, such as weather and environmental factors that cannot be controlled. In instances where these situations do occur, crops are heavily impacted if not completely destroyed. Investment in an industry specific insurance plan is the best way to protect your income and business. Crop insurance, cotton insurance and sugarcane insurance are the most common options, each specific to the different needs of the product. Crop insurance covers product such as wheat from risks such as hail, fire, chemical overspray, livestock induced damage and rainfall risks. Rainfall risk is particularly important for rural Australia due to the long history of dry, arid droughts, which have severely impacted agriculture in the past. Cotton crops have unique risks and therefore require a unique insurance cover, risks that are financially protected include hail, fire, leaf and colour downgrade due to rainfall after boll opening, re-establishment costs of plants and fire mitigation. Risks that are particularly associated with sugarcane that are covered by sugarcane insurance include fire, transit and hail. Don’t risk your business, income and livelihood to elements outside of your control. Protect your agriculture with crop insurance to minimise unnecessary risks.

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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