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Business insurance

Our experience with business insurance

Big enough to provide total insurance solutions, the perfect size to give considered, individual and tailored advice.

Since the early 1980’s, Atlantic Insurance has assisted small, medium and large businesses insure their assets and liabilities in Australia and overseas from our Head Office in Melbourne, Victoria.

We work in a wide range of industries and our experienced Client Managers provide specialised risk management and insurance advice to protect your business.

We pride ourselves on the way we handle your claims. In fact, the Client Manager who looks after you & your insurances is usually the person who works on your claims to ensure you receive fast and fair settlements.

Whilst we have built a strong reputation looking after the insurance needs of Trades, Plumbers, Aged Care and SME Businesses our growing team has a depth of experience across a wide range of industries including Manufacturing, Online Retailers, Commercial Property Owners, Hospitality, Wholesaling, Civil, Transport, Engineering, Construction, Technology, Food/Beverage, Importers, Agriculture, Mining, Rail and Professional Services to ensure that we can provide comprehensive insurance solutions to protect your assets and liabilities.

Atlantic Insurance prides itself on keeping its clients front of mind. We remain privately owned, advice given to protect your business is given with the unique perspective of knowing what it takes to protect businesses and what keeps business owners awake at night.

Our experience with business insurance

We meet with you to understand your business and insurance requirements

We have access to a wide range of products and insurers covering all classes of insurance 

Your claims are handled by your Client Manager at Atlantic Insurance and not a call centre

Monthly premium instalments available which is great for your cash flow

We negotiate with a wide range of insurers to meet your Insurance requirements whilst delivering competitive premiums

Business insurance coverage considerations

Atlantic Insurance appreciate that no two businesses are alike and each require a unique approach to ensure its assets and liabilities are adequately protected.

When deciding on the appropriate level of protection and policies required to protect your business our experienced Client Managers will complete a thorough needs analysis with you and provide an opportunity to meet with you at your premises to ensure we have a good understanding of your operations. Our recommendations will be based on your business activities, location, asset levels, turnover, number of employees, agreements with your customers, use of technology and importantly your guidance on what risk you wish to transfer to insurers. Often our experienced Client Managers can assist you to point out risks that can be managed through internal risk controls rather than incepting an insurance policy.

We find there are many different ways to structure a comprehensive insurance plan depending on the size and activities of your business and Atlantic Insurance has relationships with all of the major insurers that operate in the Australian Insurance market.

Click below for more information on common insurance policies we discuss with our Business Insurance Clients.

Commercial motor insurance

We have a lot of experience organising both Commercial Motor policies for single vehicles and Commercial Motor Fleet policies if your business operates a fleet of vehicles. These policies can extend to cover automatic additions and deletions, free windscreen, along with other benefits. They will provide protection for your vehicles, including own damage and third party property damage.

Income protection insurance / life insurance

Your ability to earn an income is likely your biggest asset that requires protection. Through our association with Atlantic Financial Services, we can provide advice on a range of personal risk insurances, including Income Protection and Life Insurance.

Trade credit insurance

If your business carries significant debtors, what would happen if your customer went into liquidation, could not pay, or you were accused of receiving a preferential payment? A Trade Credit policy can protect you against this loss. Atlantic Insurance can access a number of markets to cover this large exposure.

Farm insurance

Atlantic Insurance can provide advice and organise cover for both hobby farms and commercial farms that are your sole source of income. Specific conditions in many home policies exclude claims if your property is over a certain size or has animals that are not just domestic pets. Speak with us today to ensure you are properly protected.

General property insurance

A General Property policy can provide you with protection for your valuable items Australia Wide and can include cover for Accidental Damage, Fire & Perils, Burglary/Theft and Transit. Speak with us today to determine whether this cover will suit your needs.

Product recall insurance

Many businesses believe Product Recall is automatically covered under their Liability program. This is often incorrect. In the event that one of your products requires recall following a risk of physical damage or injury, this specialist policy can cover you for costs including advertising, cartage and other monies spent in securing the return of your product.

Transit insurance

If you move goods locally or internationally we can assist with a Transit policy that will protect the carriage of your goods for imports, exports and local transit by air, road, rail and sea. We can also arrange cover for these goods while in storage.

Corporate travel insurance

Atlantic Insurance’s Corporate Travel policies can provide automatic protection for you and your employees while travelling on business. It can also cover Directors, senior staff and other nominated people for their leisure travel. Includes cover for baggage, medical, liability and other important exposures.

Professional indemnity insurance

If you offer any advice or provide a professional service, we recommend that you speak to us about putting a Professional Indemnity policy in place. This will provide you with protection against claims of negligent professional advice.

Management liability insurance

We recommend that all of our business clients consider a Management Liability Policy which provides the Directors, Officers and Employees of your company against claims arising from negligence in the performance of their duties. Covers include Directors and Officers Liability, Employment Practices Liability, Crime, Statutory Liability and many more.

Business pack insurance

A Business Package policy is often the most cost effective way to cover a small businesses common Property and Liability Exposures. At Atlantic Insurance we have a wide range of policies available to protect your businesses exposures, including Fire and Perils, Burglary, Business Interruption, Money, Glass, Liability, Machinery, Transit and many more.

Business Insurance - Our Observations

Traditionally Businesses have had insurance of their assets front of mind thereby ensuring Buildings, Contents, Vehicles and Plant / Equipment are adequately protected in the event of loss of damage. Whilst this remains extremely important unfortunately as Australia becomes more litigious careful consideration must be given to ensuring a businesses liabilities are covered including the defence costs against an action bought against the business or its Directors.

Atlantic Insurance’s Client Managers have a depth of experience providing recommendations on Public and Products Liability Policies to provide coverage for property damage and bodily injury following your negligence and Professional Indemnity Policies which will provide you with protection against claims of negligent professional advice. Careful consideration must also be given to ensure Directors and Management of businesses are personally protected. Our Client Managers have a good understanding of Management Liability Policies which are designed to provide protection against negligence in the performance of a Directors or Managers duties as criminal prosecution for civil litigation can be initiated by your creditors, shareholders, employees, customers or a range of government bodies. Managing the risks associated with a Cyber Breach has also become a major priority of businesses and covering this risk requires the experience of a Client Manager who understands the impact of a Cyber claim and the differences in cover offered by insurers. Atlantic Insurance work with a wide range of insurers and can provide recommendations on providing cover for incident response, forensic investigation, data and system recovery, business interruption, a ransom demand, consumer redress funds and even fines and penalties. We recommend that Cyber Insurance is considered as part of any comprehensive insurance plan.

We don’t see claims as an interruption to our day. We see claims as our opportunity to demonstrate a valuable point of difference.

Thank you for being so professional in helping us with our insurance needs. You certainly made life a little easier and more pleasant for our small company.

W GORMAN – AUTO AIRLECTRIC

Rob was a great help when sorting out my business insurance, as a business owner you don't know what you don't know. The insight and advice he provides was made sweeter by how light hearted and humorous he is to work with. If you ever want to enjoy fixing up your insurance, look no further than Rob Nolan from Atlantic insurance.

P Lazaro – Teaslec Electrical & Solar

Mark & the Team at Atlantic Insurance brokers have been looking after our insurance for over 6 years. The Team is always there to answer questions, understand our requirements and work with us to ensure we have the best coverage for our circumstances. We have no issues recommending Atlantic Insurance.

Sasha & Troy - GTF Media

Current Claims Landscape

Atlantic do not see claims as an interruption to our workflow, we see them as an opportunity to highlight our value. As weather patterns continue to change, as Australia becomes more litigious and due to the increase in cyber incidents, unfortunately the likelihood that a business will experience a claim has never been higher. As your claim will be handled by the Client Manager who arranged your Insurance you have comfort knowing that you have an experienced Client Manager advocating for the fast and adequate settlement of your claim. As insurers are continuing to focus on profitability this has never been more important.

Following recent weather events and increased claims costs insurers are currently dealing with an escalation in claims costs, delays in supply chains and challenges reinstating property following a major loss. This is where initial insurer selection is extremely important. Our experienced Client Managers will be able to provide advice when arranging your covers on the attitude of  insurers towards claims and in most cases the panel of builders that are utilised following a loss.

Finally, an important consideration when arranging Cyber Insurance is the incident response support provided by your insurer following a Cyber incident. Our Client Managers can assist in setting out this process when helping you decide what Cyber Insurer is right for your business.

FAQs

Not necessarily. Direct Insurers generally only recommend one insurance product and will likely only be competitive for some industries which are often low risk. Our Client Managers have access to a wide range of insurers and importantly will recommend the insurer that is right for your business.

We will be very involved. This includes assisting you to determine if cover is available for your loss, assistance with lodging your claim, liaising with assessors right through to negotiating a fast and fair settlement.

All of Atlantic’s Client Managers have experience looking after the needs of Business Clients and hold the qualifications required to maintain our AFSL licence.

Not always. Whilst we will provide feedback on the insurers we have approached, the cheapest insurer may not necessarily be the best fit for your business due to exclusions / endorsements contained in their policy.

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