From cafés and consultancies to construction and import-export, we arrange the right cover for Melbourne businesses across more than 230 insurers — with bilingual advice in English, Mandarin and Cantonese.
Every business carries a different mix of risk. We start with your operations, contracts, premises and assets, then build a programme that responds when something actually happens — without paying for cover you do not need.
Public liability is the foundation of almost every business insurance programme. It responds when a third party suffers injury or property damage because of your business activities. Limits typically range from $5M to $20M, and the right limit depends on your industry, your contracts and where you operate.
Product liability extends the same protection to claims arising from a product you have supplied, manufactured or imported. For Melbourne importers and food businesses in particular, product liability is often more important than the headline public liability limit.
If your business gives advice, designs, prepares reports, or delivers a professional service, professional indemnity protects you against claims of financial loss caused by an error, omission or breach of duty. It is mandatory for many regulated professions and increasingly demanded by clients and government tenders.
If you own or lease premises, your building, fit-out, plant, stock and contents need to be insured at proper replacement value — not the depreciated book value. We also pay close attention to the business interruption section of the policy, because the gap between insured replacement and lost revenue is where most under-insurance hurts.
Management liability covers directors, officers and the company itself for claims arising from the way the business is run, including employment disputes, statutory fines and tax investigations. Cyber insurance responds to data breaches, ransomware, business email compromise and the regulatory reporting that follows.
WorkCover is compulsory in Victoria once your annual remuneration exceeds the threshold or you employ an apprentice. We also arrange cover for volunteers, contractors and personal accident for working directors who fall outside WorkCover.
Standard business packages are written by insurers, not by you. Knowing what is and is not covered before you sign is the difference between a smooth claim and an unpleasant phone call.
A few of the sectors where our clients tend to cluster. If your industry is not listed, ask us — chances are we have placed something similar.
Premiums vary based on your industry, turnover, claims history and the limits you select. Hospitality, trades and construction tend to pay more than professional services because of higher claims frequency.
We compare quotes across more than 230 insurers and explain the trade-offs so you can choose cover that suits your risk and budget. Pricing is set by the underwriter and confirmed at quotation.
WorkCover (workers compensation) is mandatory in Victoria for any business with annual remuneration above the WorkSafe threshold or that employs an apprentice. The current threshold and full rules are published on the WorkSafe Victoria website.
Public liability is not legally required but is contractually required by most landlords, councils, contracts and licensing bodies. Professional indemnity is required for many regulated professions, including financial advisers, accountants, lawyers, engineers, architects and registered builders.
Public liability covers third-party injury or property damage caused by your business activities — for example, a customer slipping in your shop.
Professional indemnity covers financial loss caused by a mistake, omission or breach of duty in the professional advice or service you provide — for example, an accountant missing a tax deadline. Many businesses need both.
If your business holds customer data, accepts online payments, uses cloud accounting or relies on email for invoicing, cyber cover is worth considering. The most common claim we see is business email compromise — a fraudulent invoice diverting payment to a criminal account.
Standard business insurance does not cover cyber events; a dedicated cyber policy responds to incident response costs, data restoration, business interruption and third-party claims.
Yes. You can appoint WJ Insurance as your broker at any point during the policy year by signing a short letter of appointment. We then receive your policy documents from the insurer and manage the cover from that day on. There is no fee to switch and your premium does not change.
Call us before contacting the insurer. We lodge the claim, manage the documentation, push back when an insurer wants to narrow the cover, and keep you informed throughout. Claims advocacy is the part of broking that matters most when something has gone wrong, and it is included in the service.
Send us your current schedule of insurance and a real broker will benchmark it against the market — line by line, with no review fee and no obligation. If you choose to place cover through us, we may earn commission from the insurer as set out in our Financial Services Guide.
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