Business Insurance
Having the best possible Business Insurance is vital for small and medium-sized enterprises (SMEs) who wish to protect their valuable assets and potential income loss due to unforeseen events. Our tailored coverage helps safeguard your business from many risks, including theft, financial losses, glass breakage, fire and perils, accidental damage and more. Reach out to Knightsbridge today to ensure you have the support to recover, rebuild, and get your business back on track.
FIRE, PERILS, STORM, ACCIDENTAL DAMAGE
Natural disasters can strike at any time, costing your business thousands or forcing permanent closure. While we can’t control the Australian climate, this Business Insurance policy is designed to alleviate this risk. It can help cover the cost of repairing or replacing your tangible assets, including your property (owned or tenanted), equipment, inventory, and furniture, in the event of a fire, flood, storm or similar.
BUSINESS INTERRUPTION
Business interruption coverage ensures that your operations can continue despite disruptions or unforeseen tragedies. This policy covers lost income and manages ongoing expenses, including rent and payroll. Furthermore, it serves as a financial safety net, offering support if you require temporary relocation or are finding a new permanent location for your business.
THEFT, GLASS, MONEY
Theft, Glass and Money Insurance can help cover the financial losses of a physical robbery, including repair costs to building windows, glass cabinets, shelving or signs. This policy also safeguards your assets and cash flow in the event of internal or external criminal activities, ensuring that your stock, equipment and money are covered if stolen.
PUBLIC & PRODUCT LIABILITY
Public and Product Liability coverage offers financial protection for your business against expensive claims made by third parties. These claims typically arise when a customer alleges that they experienced a significant personal injury or damage to their property due to your on-site business operations or product.
PROPERTY IN TRANSIT
Property in Transit insurance is essential to protect your valuable cargo if your business relies on shipping goods and a steady inventory flow. This policy can help cover damaged or lost products and equipment due to natural disasters such as flooded roads, hailstorms, or fires.
MACHINERY BREAKDOWN
Even the best-kept machinery can experience occasional malfunctions. Ensure minimal disruption to your daily operations with Machinery Breakdown coverage, designed to assist in handling on-site mechanical failures, such as air-conditioning units and refrigeration systems.
ELECTRONIC EQUIPMENT BREAKDOWN
In today’s tech-driven world, almost every business depends on technology. This coverage comes to the rescue for potential breakdowns of electronic equipment on your premises, from computers and photocopiers to point-of-sale systems, ensuring your business stays up and running.
GENERAL PROPERTY
Portable tools are essential in every industry, whether using laptops or screwdrivers to get the job done. General Property coverage protects your general property (portable contents) from loss or damage, whether on or off your premises.
TAX AUDIT COVERAGE
Tax Audit coverage provides essential financial protection and peace of mind to individuals and businesses by covering the costs associated with tax audits. In the event of an audit by tax authorities, this coverage can handle legal expenses, accounting services, and other related fees, ensuring you can navigate the audit process without extra financial burden or stress.
EMPLOYEE DISHONESTY
Employee dishonesty is when an employee engages in deceitful or fraudulent actions within their workplace. These actions include theft, embezzlement, forgery, or other financial misconduct. Employee dishonesty coverage helps protect businesses from financial losses resulting from the fraudulent activities of their employees.
Your protection -
Our priority
Don't let the complexity of insurance get in the way of your peace of mind. Simply fill out the form and one of our expert insurance brokers will contact you to help you find the coverage you need.
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What business insurance should I get?
The specific type of Business Insurance you need will depend on your industry, location, size, and specific risks. However, all businesses will require Public Liability Insurance, which covers third party death or injury.
Business Insurance is available for many industries including:
- Retail
- Professional Services
- Trades
- Food, Beverage and Hospitality
- Beauty Services
- Transport and Logistics
- Arts and Media
- Auto Service and Repair
- Wholesalers and Distribution
- Manufacturing
- Real Estate Services
- Fitness Centres
- IT Professionals
- Event Management and Catering
While not always required by law, we strongly recommend also looking into the following policies to adequately protect your business:
- Professional Indemnity Insurance
- Management Liability
- Commercial Motor Insurance
- Cyber Insurance
The Knightsbridge team takes the time to consider all possible scenarios and solutions seriously. Using our intricate insurance knowledge and experience with various business structures, we know how to set you up for a long, prosperous future despite the curveballs that life may throw. Reach out today to get started.
What if I run a business from home?
In today’s modern business landscape, more Australians are discovering the benefits of working from the comfort of their own homes. However, while a home-based business may be convenient for most, you must consider a crucial element to a successful venture: Business Insurance.
Most standard home insurance policies in Australia do not cover business-related activities. Suppose your business involves clients coming to your home or specialised work equipment. In that case, it’s best to inform your insurer and purchase additional coverage, such as Public and Product Liability. Failing to disclose your business activities or having inadequate coverage could lead to issues if you need to make a claim.
Knightsbridge can help you navigate the complex world of insurance to guarantee peace of mind for you and your business. From small startups to larger, growing enterprises, you can depend on us to provide comprehensive coverage and highly tailored solutions.
What’s the difference between Public Liability and Professional Indemnity Insurance?
Public Liability insurance provides coverage when your business is responsible for property damage or injuries to third parties, and you are liable for the associated expenses. For example, if a customer injures themselves by falling over in your store, your Public Liability Insurance would cover the medical expenses and potential legal costs if they sue your business.
It is vital if your business interacts with the public, such as retail stores, restaurants, or contractors/trades working at client sites.
Professional Indemnity insurance safeguards you when a client alleges they have suffered financial loss or damage due to errors, omissions, or negligence in your professional work or advice. For instance, if you’re a financial advisor and your client claims that your investment advice led to substantial financial losses, your Professional Indemnity Insurance would cover legal expenses and potential compensation to the client.
It is crucial for accountants, lawyers, consultants, doctors, and other professional service providers whose expertise directly impacts their clients’ financial or legal well-being.
Discover our tailored business insurance solutions in:
- Brisbane Business Insurance
- Gold Coast Business Insurance
- Townsville Business Insurance
- Sydney Business Insurance
- Melbourne Business Insurance
Let us lead you to victory.
Why work with Knightsbridge Insurance Group?
At Knightsbridge, we understand the challenges of owning and running a business in-depth. Our dedicated insurance brokers expertly align your business operations and goals with the right policies, shedding light on potential business risks you may not have considered on your own.

The most important thing in communication is hearing what isn’t said.
Peter Drucker

Reach out to Christie today.
Christie Purtle is an insurance professional who has worked in the industry for 15 years. Throughout her career, Christie has built a reputation for being a strong advocate for her clients, always putting in the hard yards to ensure they get what they’re entitled to, and never hesitating to go into bat for them when needed. Christie joined the Knightsbridge team in March 2023 as an Account Manager, and has hit the ground running in supporting her clients with their policies.
As a broker, Christie is passionate about going the extra mile to learn the intricacies of her clients’ businesses to ensure she thoroughly understands their needs, and therefore, how to ensure they’re best covered.