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.

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.
• 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.

Our Advisers will evaluate a combination of factors including:

• Identification of potential risk areas.
• Recommending measures to avoid dangerous operations, contracting out of hazardous areas and minimising potential claims.
• Risk retention using excesses and self-insurance for minor exposures, such as glass breakage and fusion.
• Insurance to cover risks that cannot be controlled or retained (including statutory forms of insurance).

Our Expertise

Our team has over 70 years of combined insurance experience and pride ourselves on providing quality service, management and review of our clients’ insurance needs whilst providing competitive pricing which we have access to 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