SME Insurance Cover | Rivers Insurance

We help find the best SME insurance

If you run a business it’s likely you are wearing a few hats. SMEs are challenging, dynamic and unique, so your insurance policy should reflect this. A “one size fits all” approach can actually increase the risk exposure to your business and that’s why we tailor our approach for your SME.

Vital types of cover:

Property

Without adequate building, contents and stock coverage, a major loss will stop you in your tracks. The prospect of reduced cover resulting from under insurance can be as damaging as the loss itself. Insured values need to reflect replacement cost to ensure your complete protection.

Cash Flow

If your business stopped trading due to a major loss how long would your cash last in meeting expense commitments? If the answer is less than 12 months, we need to talk!

Liability

If you are in business you need liability protection, no ifs or buts. When your customer comes to you, you go to them, or you handle any item for sale or repair, there is the risk of personal injury or property damage.

Protect your SME:

Small business insurance

Business liability Insurance

Commercial insurance

We’ll ask the questions others won’t.

We know SME operators look for value in every transaction. With 35 years’ experience, our team knows the right questions to ask about your business operations to make sure we cover all angles.

Does the business sign contracts and does this place additional responsibility on you?
Do you ever have property belonging to others left in your care?
How vital is your current location to the success of your business?
Do you use any contractors to perform a role normally undertaken by an employee?
How secure is your client information?

We all know contracts are complex. We need to talk before you sign on the dotted line so we can advise the best solutions that protect your business.

Standard polices do not automatically cover property left in your care. Rivers ensure the relevant protection.

We don’t ever expect a major loss to occur, but as we all know, it does happen. We can provide insurance options to assist in this scenario and ensure you can trade on.

Legislation, including the Fair Work and Workers Compensation Acts have serious ramifications for sham contracting arrangements and there are insurance implications, even if they are found to be genuine independent contractors.

Attackers don’t force your front door anymore….why would they when they can freeze, steal or corrupt private information on your customers remotely?

Does the business sign contracts and does this place additional responsibility on you?
We all know contracts are complex. We need to talk before you sign on the dotted line so we can advise the best solutions that protect your business.
Do you ever have property belonging to others left in your care?
Standard polices do not automatically cover property left in your care. Rivers ensure the relevant protection.
How vital is your current location to the success of your business?
We don’t ever expect a major loss to occur, but as we all know, it does happen. We can provide insurance options to assist in this scenario and ensure you can trade on.
Do you use any contractors to perform a role normally undertaken by an employee?
Legislation, including the Fair Work and Workers Compensation Acts have serious ramifications for sham contracting arrangements and there are insurance implications, even if they are found to be genuine independent contractors.
How secure is your client information?
Attackers don’t force your front door anymore….why would they when they can freeze, steal or corrupt private information on your customers remotely?

Ready for a Quote?

Chat to Alfie, our Client Advocate, or fill out our form so one of our team members can get in touch.

SME Insurance Australia