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WHAT THIS INSURANCE GUIDE HAS TO OFFER

There’s a lot of information out there when it comes insurance, and it can be overwhelming to understand, let alone very complex to know what to do when it comes to insurance for your business.


This guide explains common types of insurance policies and their basis of cover.


It will help you understand what you need to know in terms of policies and your responsibilities, and what you really need to cover your business for total peace of mind.


Featuring obvious and not-so-obvious best practices and types of business insurance, use this guide as a reference when reviewing your insurance, to assess if your existing policies are falling short in protecting your business.
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GUIDE FEATURES

BUSINESS PROPERTY & LIABILITY INSURANCE

LIFE INSURANCE FOR YOUR BUSINESS

CYBER RISK INSURANCE

MANAGEMENT LIABILITY INSURANCE

WORKERS COMPENSATION INSURANCE

WHAT YOU NEED TO KNOW WHEN HIRING CONTRACTORS

PROFESSIONAL INDEMNITY INSURANCE

MACHINERY & TRANSPORT INSURANCE

YOUR RESPONSIBILITIES

CORPORATE TRAVEL INSURANCE

CLAIMS NOTIFICATION PROCESS

BEFORE ENTERING INTO CONTRACTS, CONSIDER THE CONDITIONS

GET YOUR FREE GUIDE NOW!

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For New or Seasoned Business Owners

A Business Owner’s Guide to Risk and Insurance Protection  Business Owner’s Guide to Risk and Insurance Protection contains information for business people of all skill levels, whether you’ve been in business for years or you’re just starting out.


Running a business can be risky, and buying insurance policies can be overwhelming and confusing. This guide aims to help you understand insurance for your business..

Current information for Australian businesses by insurance experts

The information in this guide was generated by leading business insurance experts in Australia, providing an overview of the common insurance covers you may need to consider. 


It also outlines gaps in business owner’s knowledge that Optimum Insurance sees regularly such as what is underinsurance? What insurance should contractors have in place? Conditions to be weary of in contracts. 

A word from Amanda Smith, Founder – Optimum Insurance

“There’s nothing worse than hearing about business owners who’ve had a claim irreparably damage their business from having inappropriate insurance cover. I wrote this guide so business owners like you have one less thing to worry about, giving you more time and energy to focus on your passion – your business. After all, you’re in business to help others, not worry about insurance claims (luckily, that’s my passion).” 

ABOUT OPTIMUM INSURANCE

Get Savvy with Your Insurance Needs

With our free handy A Business Owner’s Guide to Risk and Insurance Protection

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Melissa Jones, Brand Consultant

“This guide helped me understand where there were gaps in my insurance policy, and gave me more confidence by knowing what to do if a claim ever happens.”

Jason Raymond, IT Developer

“I’ve just started my business and didnt know anything about insurance. This free guide helped me really understand what insurance I need and why.”

Patrick Francis, Financial Adviser

"What a great resource! So helpful with information not just on what insurance products to consider, but what to be careful of when entering a contract and duty to insurers."