Our answers to commonly asked questions!
Our answers to commonly asked questions!
Questions people ask us most about Business Insurance!
Every business should consider the effect that loss or damage to property or legal action against the business would have on the business itself, it’s owners and employees. A Business Package allows your business to tailor an insurance package to suit your business’s particular needs. Protection of your business may be crucial to it’s long term survival.
The cost of a Business Insurance package depends on a number of factors, including the types and levels of cover you hold, your business activities and other risk factors such as your location, the construction of your property and your claims history. Northern Insurance Solutions can help you manage the risks to your business and ensure that your premiums are competitive against the insurance market. Call us today to arrange a meeting!
How long is a piece of string? Every business is different and has different needs. The role of an Insurance Broker is to assist you by helping you understand the risks to your business and the insurance cover required to protect you against these risks. At Northern Insurance Solutions we take the time to get to know your business, it’s needs and most importantly the things that concern you the most. Call us now to arrange a meeting!
A Business Package provides the flexibility to insure most, if not all of your business insurance needs under one policy. This includes cover for your property (including your stock and business contents), theft, loss of business profits (Business Interruption Insurance), public liability, glass, money, electrical and mechanical equipment, tools of trade and even your motor vehicles.
Questions people ask us most about Personal Insurance!
The cost of home insurance depends on many factors including the age and construction of your home, the location of your home and the value of your home and it’s contents. Most insurers will allow premium discounts for any extra security measures your home may have. It’s well known that home insurance costs in Northern Australia are the most expensive in the country. Consider seeking the advice of an insurance broker who may be able to source the right insurance cover at a competetive premium for you. Contact us now for a quote!
Every insurer will spruke their Home Insurance policy as being the best, however this answer will always come down to ‘the policy which best suits your personal needs’. There are certain policy features and coverage you should look for when selecting a home insurance policy in Australia. The first is does the policy cover ‘accidental damage’, which is effectively damage you cause yourself eg. spilling wine on your couch, the kids accidentally knocking your flat screen TV over. Depending on where you live it may also be crucial to ensure that you have ‘flood’ cover, which is defined as water from a watercourse like a river, creek or storm drain entering your home. Most policies in Australia now cover this automatically, but you should check to ensure your policy carries flood cover.
A Home Insurance policy will protect your home from most unexpected events. These include fire, storm damage (including cyclones), flood damage, malicious damage caused by others, impact damage from trees or vehicles, lightning and rainwater damage to name just some of the insured events. Cover can be extended to protect your home from ‘Accidental Damage’ which is effectively damage you cause yourself eg. you forget to turn off the tap whilst running a bath and the water damages your floors, you damage a wall whilst moving furniture around the home.
A home insurance policy gives you the option of insuring your home and any contents located at your home. Home insurance provides cover for your home and any items fixed to your home, such as solar panels, aerials or external blinds. Any other structures at the address would also normally be covered, such as sheds, granny flats, water tanks, pools and fencing. Your Home Insurance policy can be extended to cover the contents at the situation, or Contents Insurance can be taken out on it’s own eg. to protect the contents of someone renting a home. Contents Insurance covers pretty much any loose items you own at the situation including furniture, white goods, electrical goods, clothing , personal effects, sporting and fishing equipment, artwork, jewellery, collections etc.
Questions people ask us most about Farm Insurance!
A Farm Insurance package allows you to tailor an insurance package to meet the particular needs of your business. It allows you to bundle all of your farm insurance needs into one easy to manage policy. This includes all of your farm property, motor vehicles, machinery and plant, equipment breakdown cover, transit cover and business interruption. A Farm Insurance package also allows you bundle your home, car and boat insurances with your farm insurances and even insure your income against sickness or accidental injury.
The cost of a Farm Insurance package depends on numerous factors including the type of farming you perform, your location, the size of your operation and the value’s of the items you need to insure. As insurance brokers, Northern Insurance Solutions can help you manage the risks to your business and ensure that your premiums are competitive against the insurance market. Call us now for a quote!