Premises, equipment and stock
Which premises do you own or lease, and who is responsible for fit-out, equipment and stock? Review asset values, where items are used and how long recovery could take, rather than relying on last year’s sums insured.
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AUSTRALIAN BUSINESSES · PRACTICAL BROKING SUPPORT
Business insurance, starting with what your business does
Opening a shop, advising clients, taking on a project or importing goods creates different insurance questions. Aushine helps Australian businesses work through their needs, discuss suitable insurance and navigate placement, renewal and claims communication.
Who is this service for?
Start here if you are establishing, renewing, relocating or expanding an Australian business, or checking the insurance requirements of a new contract. Our insurance discussions include retail and hospitality businesses, offices and professional services, construction and trades, importers and wholesalers. Available arrangements depend on your activities and insurers’ underwriting requirements.
Based in Melbourne, Aushine provides insurance broking services for small and medium-sized businesses in Melbourne and across Australia. We can discuss your business and insurance questions in English or Chinese. Cover is governed by the applicable policy wording, schedule and endorsements.
Work through the risks before choosing insurance
Customers, products and services
Customer visits, on-site work, supplying or importing goods, and providing advice or design raise different responsibilities. Review insurance requirements in leases and client contracts against your actual activities and policy terms.
Interruption and cash flow
Could you operate elsewhere after damage at your premises? Discuss ongoing costs, dependencies and the time needed to recover. Business interruption cover has defined triggers; it does not respond to every fall in revenue.
People, transport and digital operations
Employees and subcontractors, vehicles and goods in transit, customer information and online systems may need separate consideration. Check compulsory insurance requirements for the relevant state or territory and your circumstances.
Which insurance might be relevant?
Business insurance describes a range of needs, rather than one policy covering every risk. A business package is one possible arrangement. Use our existing product pages to explore the different areas below, then discuss their relevance to your activities.
Everyday operations and property
Business package insurance brings selected sections into one arrangement. For premises and assets, explore commercial property and consider recovery needs alongside business interruption.
Third-party and professional responsibilities
Public liability, products liability and professional indemnity address different exposures. Their names should not be taken to mean they are interchangeable.
Projects, equipment and logistics
For construction projects, explore contract works insurance. Equipment, goods in transit and business vehicles can be considered through plant and equipment, marine cargo / transit and fleet insurance.
Digital and management risks
Businesses relying on online systems or holding customer information can discuss cyber insurance. For exposures arising from directors’ and business management activities, explore management liability.
How Aushine can help
01 / Understand your business
We discuss your entities, activities, premises, people, contracts and existing insurance, identifying questions that need closer attention. New products, subcontracting and overseas sales belong in that discussion too.
02 / Prepare information and discuss quotes
We help prepare information insurers require and discuss available options. Compare cover, limits, excesses, exclusions and conditions alongside price.
03 / Arrange and review
We arrange insurance on agreed terms and revisit it at renewal or when circumstances change. A certificate should reflect the insurance actually arranged; holding one does not mean every contractual responsibility is insured.
04 / Support claims communication
After an incident or claim, we can help organise notification and supporting information and communicate with the insurer. The insurer determines cover and payment under the policy and the particular facts.
What should you prepare?
- Your business entities, activities, locations and planned changes.
- Turnover, employees and subcontractors, plus an overview of equipment, fit-out and stock.
- Lease or client contract insurance requirements, current policies and renewal information.
- A summary of past claims or known incidents; provide detailed documents through an agreed channel.
You can start a conversation before every document is ready. Quotes depend on verified information and underwriting assessment. Making an enquiry does not put cover in place.
Common business insurance questions
Is a business package the same as public liability?
No. A package can contain several selected sections, which vary by product. Public liability is one area of cover. Check the sections actually selected, their limits and terms.
Should I review insurance before signing a new lease or project contract?
Yes. Check the business description, insured entities, locations, contract requirements and applicable conditions. Contractual obligations may exceed your insurance; obtain legal advice where needed.
Does every small business need the same insurance?
There is no single checklist for every business. Identify applicable industry and state or territory requirements, then consider operational risks and contracts. Keep compulsory requirements separate from optional cover.
Can we discuss an English policy in Chinese?
Yes. We can discuss your needs and key questions in Chinese while referring to the English documents. A translation or conversation does not replace the insurance contract; raise unclear points before confirming arrangements.
What determines the premium?
Activities, size, location, assets, claims history, cover, limits and excesses can affect quotes. We need to understand your circumstances rather than estimate a reliable premium from an industry label alone.
Start a focused insurance conversation
Tell us what your business does and what is changing.
Whether arranging insurance for the first time or reviewing existing cover, we can help organise the questions and information needed for the next step.
Speak to Aushine →This page provides general information, not insurance or legal advice tailored to your circumstances. Cover, limits, exclusions and conditions depend on the applicable policy documents. See the Financial Services Guide in the footer for our services, relationships and remuneration.