Business Insurance

Risks to businesses are constantly expanding and changing, and no business faces a single set of risks for more than a short period of time. Contemporary risk management means more than Liability, Property and Directors & Officers Liability Insurance.

At Lewis Insurance Services, we’re focused on how to optimise risk management in your business to protect your assets, your employees and your bottom line.

What is Business Insurance

Business Insurance is a way for Businesses to mitigate various risks by providing financial protection against potential Insurable losses such as property damage, lawsuits or loss of income. Business Insurance is essential to ensure the Business does not suffer an uninsured loss, which could be financially crippling to the business and potentially impact the survival of the business.

There are various types of Business Insurance, some may a legal requirement for businesses to hold, such as workers compensation insurance. Some common types of Business Insurance products available is Property Insurance, Business Interruption Insurance, Liability Insurance, Management Liability Insurance, Cyber Insurance and more.

At Lewis Insurance Services, we understand not all Business are the same, therefore we take the time to get to know you and your business and understand where your risks and exposures are and provide tailored risk management recommendations and Insurance advice specific for your Individual Business Insurance requirements.

Our Expertise

Lewis Insurance founded in 1996, continue to deliver quality service, comprehensive advice and tailored insurance solutions through the large buying power of our licence holder Insurance Advisernet Australia Pty Ltd.

We only use Australian authorised Insurers that provide comprehensive policy wordings.

Insurance Products

Asset Risk Protection

  • Business Package
  • Industrial Special Risks
  • Office/ Professional Package
  • Trades Package
  • Farm/Rural Package
  • Contract Works
  • Corporate Travel & Business Travel
  • Prestige Home & Contents
  • Strata Title & Body Corporates – Residential & Commercial
  • Motor Trades
  • Goods in Transit
  • Motor Vehicles
  • Car (including Prestige/Luxury, Exotic, Sports, High Performance, High Value, Classic & Muscle cars)
  • Machinery & Electronic Equipment Breakdown
  • Aviation
  • Commercial Motor Vehicle
  • Contractors’ Mobile Plant & Equipment

Income and Other Financial Risk Exposures

  • Credit Insurance / Bad Debts
  • Business Interruption/Loss of Cash Flow
  • Personal Accident and Illness
  • Loss of Licence Insurance – Aviation Pilots

Liability Risks and Exposure

  • Professional Indemnity
  • Public/ Products Liability
  • Asbestos Liability
  • Product Recall Expenses & Product Guarantee
  • Management Liability
  • Workers Compensation
  • Employment Practices Liability
  • Directors and Officers Liability
  • Association Liability including Not For Profit Organisations
  • Cyber Crime / Cyber Security
  • Information & Communication Technology (IT Liability)
  • Environmental Liability Insurance
  • Contractual Liability Insurance
  • Marine Liability incl. Ship Repairer’s Liability

    Why use an Insurance Adviser

    Our Services to you include:

    • Management of all policy matters including assistance with claims, policy endorsements and amendments and advice on any matters in relation to your insurance program.
    • Negotiation of renewal terms with insurers including obtaining quotations from other insurers where required, and providing options and recommendations to you for consideration.
    • Recommendations on new policies/additional covers on existing policies for your business. Including obtaining quotations and arranging cover.
    • Tailored Advice on the right insurance solutions for your needs and circumstances.
    • Engaging of specialist providers following consultation with you, to assist in specific areas such as Risk Management including Workplace Health & Safety, Workers Compensation, Valuers and Quantity Surveyors, Employment and Workplace Relations assistance, Property & Liability Risk Surveyors.

    Our Advisers will evaluate a combination of factors including:

    • Identification of potential risk areas.
    • Recommending measures to help reduce risk and minimising potential claims.
    • Risk retention using higher excesses and self-insurance for minor exposures, such as glass breakage and fusion.
    • Transfer of risk to other parties or insurers where possible
    • Insurance to cover risks that cannot be controlled or retained (including statutory forms of insurance).