Commercial Insurance

Property Insurance

At the heart of business insurance is building and contents insurance. We apply our experience and skills to analyse your business’ assets and liabilities and ensure you find the best insurance option against business property damage by human or environmental factors.

Business Interruption

Often the impact on your business’ operations caused by events such as fires or vandalism is more costly than the damage itself. There are various options for insurance of this kind. It is important to find the best option for your business. We do this on a daily basis and our expert brokers can help secure the ideal cover for you and your business.

Liability and Indemnity

Being a business owner means not only being responsible for your own actions, but also of those in your employ and your products. Even if you are not held responsible, there is almost certain to be costs involved, such as legal defence fees. Our skilled and experienced brokers can assist you in finding the most appropriate cover to ensure your interests are protected against such events. This cover can also account for any contractors you may hire.

Other Covers

At T&G Insurance Brokers, we strive to provide your business with the most comprehensive and complete assurance, taking into account your individual risk factors. Our additional cover types for businesses includes:

  • Theft/burglary
  • Money
  • Glass
  • General property
  • Management liability protection
  • Employee fraud
  • Tax audit
  • Engineering/machinery breakdown
  • Electronic equipment
  • Environmental protection liability
  • Trade Credit
Commercial Insurance

Whether you have a Warehouse, Cold Store, Property Owner or are Engineering, Repairing, Panel beating, Mechanic, Importing, Exporting , Wholesaling or Retailing we understand your business and know how to design and structure policies which will provide you with the cover that is specific to your needs. We have a large and diverse client base, which has allowed us to identify gaps and modify our risk analysis and policy wordings to ensure we have all potential risks covered. Every business is different so we provide a thorough risk analysis of your business and identify risks which are unique to your business. Some of the areas which we concentrate are:

Property Insurance

  • New for Old replacement
  • Flood
  • Check you are protected to cover any building industry guideline changes which may add to reinstatement costs
  • Business Interruption to cover your Loss of Profits

Marine to cover for goods damaged during transit

Public and Products Liability

  • Understand maximum potential exposures in setting limits of liability
  • Check you are covered for all indemnities you are picking up when signing contracts
  • Financial loss to your customer
  • Faulty workmanship
  • Resultant damage, injury  or financial loss from error  in design
  • Does the business do work on or around boats, aeroplanes or railways
  • Are safety or roadworthy certificates produced
  • Professional Indemnity to protect you when providing advice for a fee or design

Management Liability covering:

  • Statutory Liability for a breach of government acts including chain of responsibility, transport related fines and penalties
  • Employment Practices covering employment related incidents such as Unfair Dismissal, Bullying, Sexual Harassment, failure to promote
  • Directors and Officers Liability covering Directors and Responsible Officers for a wrongful act
  • Fidelity to cover theft by employees
  • Tax Audit to cover accountants expenses
  • Reputation Expenses to protect your reputation

Workers Compensation

  • Make sure all your workers are covered including contractors deemed workers and in different states

Travel Insurance providing protection for your travel within and outside Australia including cover for pre existing injury or illness

Trade Credit to protect you if a Debtor goes into liquidation

Cyber Crime to protect you from Virus and Encryption of your computer networks

Quick Enquiry

Complimentary Review

At T&G Insurance, we always begin our process with a complimentary review of your business’ operations. We use this to identify opportunities to minimise liabilities and protect your assets. For expert assistance in finding the best business coverage for your needs, contact T&G Insurance Brokers toll free on 1800 010 599 and arrange your complimentary analysis.