Insurance and risk advice for small businesses.

Omnisure works with small business owners across a wide range of industries to protect the people, property, equipment and day-to-day operations that keep their businesses running.

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Small businesses often carry more risk than they realise.

Running a small business means managing customers, staff, suppliers, property, equipment and cash flow, often without the internal resources available to larger organisations.

An accident, property loss, cyber incident or liability claim can create a significant financial impact and quickly disrupt normal operations.

Omnisure takes the time to understand how your business works, the assets and people you rely on and the risks most likely to affect you, helping build an insurance programme that is practical, appropriate and easy to manage.

The right small business insurance should protect the things your business depends on every day.

Small business risk can come from many different directions.

Property, customers, employees, technology and day-to-day operations can all create exposures that need to be considered together.

01. Property and contents

Offices, shops, workshops, stock, tools and equipment can be damaged, stolen or affected by unexpected events.

02. Public liability

Businesses can face claims if customers, visitors or other third parties suffer injury or property damage connected with their operations.

03. Business interruption

An insured event can stop or reduce trading, creating lost income and additional expenses while the business gets back on its feet.

04. Cyber and data

Even small businesses can be targeted by cyber criminals, particularly where customer information, payments or online systems are involved.

05. Employees and workplace risk

Employing people creates responsibilities around workplace safety, workers’ compensation and employment practices.

06. Professional responsibility

Businesses providing advice, specialist services or recommendations may face claims if a client alleges they have suffered financial loss.

Insurance solutions built around the way your business operates.

The right programme will depend on the type of work you do, the assets you rely on and the risks that could have the greatest financial impact.

01.

Business Package Insurance

A flexible combination of covers that can include property, contents, liability and other risks relevant to the operation of a small business.

02.

Public and Products Liability

Protection against claims involving third-party injury, property damage or products supplied by the business.

03.

Property and Contents Insurance

Cover for premises, stock, equipment, furniture and other physical assets used in the business.

04.

Business Interruption

Protection designed to help manage lost income and additional costs following an insured event that disrupts normal trading.

05.

Commercial Motor

Cover for cars, utes, vans and other vehicles used for business purposes.

06.

Professional Indemnity

Protection for businesses providing professional advice or services against claims alleging errors, omissions or negligence.

07.

Cyber Insurance

Cover for cyber incidents, data breaches, system interruption and the costs associated with responding to an attack.

08.

Management Liability

Protection for directors, owners and the business against a range of management-related claims and investigations.

09.

Workers’ Compensation

Support for workplace injury risk, claims management and the obligations associated with employing people.

10.

Machinery and Equipment

Cover for tools, machinery and specialist equipment that the business relies on to operate.

A practical approach to small business risk.

Small businesses need insurance that is straightforward, relevant and proportionate to the way they actually operate.

01. Understand the business

We look at your activities, customers, premises, people and assets before recommending cover.

02. Focus on the risks that matter

We help identify the exposures that could have the greatest impact on the business rather than adding unnecessary complexity.

03. Review as the business grows

New staff, premises, equipment and services can all change your risk profile. We help keep the programme aligned as the business develops.

Small business insurance with real advice behind it.

Small businesses deserve more than a standard policy and a renewal notice. Our role is to understand the business and make insurance easier to manage.

Personal advice

We take the time to understand the people behind the business and the way it operates.

Practical solutions

We focus on cover that is relevant to the risks you actually face and explain it in clear, straightforward language.

Responsive support

When questions, changes or claims arise, our team is available to help keep things moving.

Ongoing review

As the business evolves, we help review the programme so it continues to reflect your current operations and exposures.

Talk to our small business insurance specialists.

Our team works with small business owners across a wide range of industries to protect their people, assets and operations with insurance programmes built around the way they work.