Commercial Insurance

At Earnest InvestSmart we take pride in providing our clients with clear and understandable insurance solutions for business owners and commercial property owners. We work for our clients and deal with a range of insurance companies directly, providing advice on the best insurance options for our client’s needs and committed to making sure the whole process is straight forward.

Our mission is ensure that you and your business have the right protection in place should something unexpected happen. We are on your side and manage all processes while dealing with a claim and ensure you receive your entitlement in a timely manner.

At Earnest InvestSmart, an insurance broker in insurance and risk management, we act as an intermediary between a consumer and an insurance company. We take the time to understand your business and the risks you face. We have tailored insurance products solutions for business of all shapes and sizes, so you can run your business with confidence.

Management Liability

Running a business comes with significant responsibilities, particularly in Australia’s highly regulated business environment. Management Liability Insurance is designed to give you confidence, protecting directors and the company against financial losses in the event you are alleged to have committed a wrongful act.

Business Interruption Insurance

Business interruption insurance can help your business keep running if the insured property is lost or damaged after a catastrophic event such as fire, by covering ongoing costs so you can recover and rebuild.

Cyber Insurance

Cyber Insurance is designed to help protect your business from the financial impact of a computer hacking or a data breach. Any business with a website or electronic records, or an IT system that connects to the internet is vulnerable.

Product Liability Insurance

Product liability insurance is designed to protect your business if you are sued because a product you sell, assemble or supply has caused ham to a person or to their property.

Workers Compensation

Workers compensation insurance pays employees who are injured at work or become sick because of their work. Workers’ compensation insurance is compulsory for all employers in every state and territory in Australia. Each state or territory has its own workers’ compensation scheme, run by independent regulators, with rules differing slightly between each jurisdiction.

Business Insurance Package

Business insurance packs offers affordable and wide insurance cover for your business, which may include cover against: property damage, business interruption, theft, money, glass, public and products liability, transit, electronic equipment breakdown, machinery breakdown and general property.

Professional Indemnity Insurance

Anyone can make a mistake – but if your business is found liable for negligence, the costs can be financially devastating. Not only can it lead to an expensive lawsuit, but your business’ hard-earned reputation may be damaged as a result. Professional indemnity insurance helps protecting your assets and brand if your advice or services cause a client to take legal action against you.

Public Liability Insurance

If an accident or unforeseeable incident causes damage or injury to someone (other than your employees), you may be found legally liable to cover the costs. Public liability insurance covers the cost of compensation you are liable to pay, apart from covering reasonable legal fees incurred to defend a claim against you.

For more information please see our Financial Services Guide

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The information contained in this page is general and is not intended to serve as advice. It does not take into account the objectives, financial situation or needs of any particular person.