Affordable insurance services in Perth
Business and Office Insurance
Protect Your Business with Comprehensive Insurance
A business is a valuable asset and, like any other, it should be protected with comprehensive insurance tailored to your specific needs. At Westralian Insurance, our fully qualified brokers provide complete business insurance solutions and the right coverage for your enterprise in the Perth region and beyond.
Australia is home to around 2.6 million small businesses, making up about 97 percent of all Australian businesses. Collectively, they contribute over A$500 billion to the economy—around one-third of national GDP—and employ more than 5 million people. Small business is the heartbeat of the Australian economy and, for many families, their primary source of income. Safeguarding these businesses with a suitable insurance plan is therefore essential.
The most common small-business claims involve storm or weather damage, fire, and theft. A Business Package Policy can cover these risks and many others, providing peace of mind and financial protection.
Trade Packages
Workers Compensation for Tradies
Tools of Trade
Public Liability
Coverage for your Vehicles
Contract Works
Builders Warranty
Our Trades and Services packages give tradespeople and service providers reliable insurance protection whilst working at their customers’ premises. Whether you’re an electrician, bricklayer, plumber, cabinet maker, carpenter or any other tradie, we can tailor a policy to suit your needs.
Comprehensive Cover Options
Our Trade Insurance policies can include cover for:
Public and Products Liability
Workers Compensation
Tools of Trade
Commercial Motor Vehicles and more.
We can arrange cover for your employees and for sub-contractors who don’t carry their own insurance, helping to keep everyone on site protected.
Builders Warranty / Indemnity Insurance
Licensed builders may need Builders Warranty Insurance for certain residential projects. This protects your customer’s deposit and provides coverage if the work isn’t completed or is defective and you pass away, disappear or become bankrupt. Requirements differ across Australia, but in Western Australia it’s mandatory for residential building work valued over $20,000.
Contract Works and Liability
For added protection, an annual Contract Works and Liability policy can cover material damage and public liability throughout the construction process.
Fast Certificates of Currency
Need proof of cover quickly? We can usually issue Certificates of Currency on the same day we receive your premium payment, via email.
We insure a wide range of tradies across many industries. Call us today to discuss a tailored insurance solution for your business.
Workers Compensation
- WorkCover legal requirement
- For businesses with employees or subcontractors
- Covers medical costs, lost wages, common law damages and more
- Fines and penalties apply for not having a policy in place
As a business owner in Western Australia, it is important to understand that WorkCover law requires you to hold Workers Compensation insurance. But why is it necessary?
Workers Compensation is a statutory requirement for any business that employs staff or engages uninsured subcontractors. If you have employees or uninsured subcontractors, you must have a Workers Compensation policy in place.
This insurance provides protection if a worker suffers a work-related injury or illness. It can cover wage replacement when employees are unable to work and pay for medical treatment. Workers Compensation is a legal requirement overseen by WorkCover WA because everyone has the right to a safe workplace.
Why it matters for your business
Workers Compensation insurance protects both your employees and your business. Without it, you could be liable for medical costs, lost wages, common law damages, penalties and other expenses if someone is injured at work.
Taking out a Workers Compensation policy helps you avoid these financial risks while providing vital support for your team.
Westralian Insurance can arrange comprehensive business insurance and provide a thorough, obligation-free quote. Our fully qualified insurance brokers are ready to learn about your business, so call us today on (08) 9302 1388.
Public and Products Liability
- Public liability protects your business against claims for third party property damage or injury
- Product liability covers claims for third party property damage or injury caused by products
- Some public liability policies include an extension of cover for negligent damage to goods in your care, custody or control
Every business needs Public and Products Liability insurance. Claims can arise from customers, suppliers, government bodies or even other insurers if your business is held responsible for injury or damage.
Legal defence costs add up quickly, even for small claims. This cover pays amounts you are found liable for and also covers legal costs, with your insurer usually appointing lawyers to handle negotiations and court proceedings.
Most contracts and leases require this insurance, making it essential as well as smart business practice.
Whether your operation is large or small, a tailored Public and Products Liability policy gives you peace of mind so you can focus on running your business. For a quote or more information, contact our experienced team at Westralian Insurance on (08) 9302 1388. We cover a wide range of industries, professions and events.
Professional Indemnity
- Essential for those engaged in professional practice
- A must for those who provide advice or engage in design work
- Consultants/lawyers/financial planners/architects/engineers
For more than forty years, Westralian Insurance has helped businesses across Perth and throughout Western Australia, protect themselves with Professional Indemnity cover. We understand the stress an insurance claim can bring and the importance of getting the right protection in place.
Professional Indemnity insurance covers claims of professional negligence, errors or omissions. If your business provides advice, design, or other professional services, you could face a claim for financial loss caused by alleged mistakes. A policy can cover compensation you are found liable to pay, as well as the legal costs of defending a claim.
Not sure if Professional Indemnity is right for you? Call our experienced team on (08) 9302 1388 for an obligation-free review of your business and a tailored quote.
Personal Accident and Illness
Ideal for sole traders
Protects your income
Range of policies and benefits
In a large business, it is usually possible to cover an injured employee’s work. For a sole trader, an injury or illness can bring everything to a halt.
Personal Accident as a Sole Trader
If you operate as a sole trader in Perth or anywhere in Western Australia, Personal Accident and Illness insurance can help protect your income. While you may not qualify for Workers Compensation or standard Income Protection, this cover provides financial support if you are unable to work because of an accident or illness.
Policies can pay a weekly benefit to replace lost income and can include capital benefits—a lump-sum payment for certain serious injuries—providing 24/7 protection worldwide.
Our experienced brokers can tailor a policy to suit your needs. Call or email Westralian Insurance today to discuss how Personal Accident and Illness insurance can keep your business and income secure.
Property Risks
Protects property and premises
Fire and perils, burglary, glass
Public and products liability, machinery breakdown, loss of rent
Electronic equipment, tax audit
Whether you run a mechanical workshop or a computer store in central Perth, it is essential to have your property and premises properly insured. At Westralian Insurance, we provide Property Risks insurance for businesses of all sizes and industries.
With over forty years of experience, we understand businesses across Western Australia and beyond. This allows us to tailor policies and packages to suit your specific needs and location.
Even with careful planning, every business is vulnerable to physical damage, which can cause costly interruptions and loss of profit. Property Risks insurance can cover a wide range of risks, including fire and perils, burglary, loss of rent, glass breakage, machinery breakdown, electronic equipment, tax audit and more. Buildings, contents, stock, fixtures, fittings and other physical assets are all eligible for cover, giving you peace of mind.
For more information or to discuss a tailored policy, call or email our team today.
Professional Risks
- Professional protection against Defamation, Directors and Officers Liability, Management Liability, Cyber Liability and more
- Management Liability covers risks faced by directors and senior managers
- Includes fidelity, pecuniary fines and penalties and much more
- Management liability is hugely important in today’s increasingly litigious society
At Westralian Insurance, we are committed to providing up-to-date, high-quality insurance solutions for businesses across Perth and Western Australia. With decades of industry experience, we help you find the most suitable and cost-effective cover for your business.
Professional Risks insurance
Our Professional Risks policies protect your business against a wide range of risks, including defamation, directors and officers liability, association liability, employment practices liability, management liability, cyber liability, IT liability and statutory liability.
How Management Liability Insurance Can Help
Management Liability covers risks faced by directors and senior managers in running a business, including governance, finance, benefits and general management activities. With claims on the rise, it is essential to protect your business and leadership team.
To find out more about our Professional Risks insurance and how it can safeguard your business, call our friendly team today.
Cyber Insurance
Protects your business against financial loss caused by technology and communications
Cyber crime is on the rise!
Data breach reporting is compulsory for businesses – ensure you’re protected!
Cyber Insurance helps protect your business from the financial impact of computer hacking, data breaches, and other cyber crimes.
Policies can cover a range of benefits, including:
- First Party Losses: Business interruption, cyber extortion, and electronic data replacement
- Third Party Losses: Defence costs, security and privacy liability, regulatory breach liability, and electronic media liability
- Extra Expenses: Crisis management, notification and monitoring costs
Cyber crime includes all of the following:
- Identity theft
- Cyber stalking
- Use of malware
- Use of viruses
Cyber crime can take many forms, including identity theft, cyber stalking, malware, and viruses. Anyone using a computer, mobile phone or tablet is at risk.
Technology is advancing rapidly. Today, enormous amounts of data can flow in and out of a single business network almost instantly. Whilst covering your premises and staff remains essential, it is equally important to protect your company from cyber risks.
Why Cyber Insurance Matters
A Cyber Insurance policy ensures your business can respond and recover if a technology-related incident occurs, helping to minimise financial and reputational damage.
Training and Prevention
All businesses should also consider regular online training through Cyber Wardens. Trusted by thousands of Australian small businesses, Cyber Wardens provide simple, government-supported courses to help owners and employees stay cyber safe.
For more information on Cyber Wardens or to discuss Cyber Insurance for your business, contact our team today.
Building and Construction Insurance
- A must for anyone taking on any kind of building project
- Policies cover Construction and Public Liability, Builders Warranty/Home Indemnity cover
- Tailored insurance solutions
Construction Works, also known as Contract Works Insurance, is essential for anyone undertaking a building project, no matter the size. This insurance protects building works in progress against loss or damage during construction.
Cover is highly specific, and our brokers can help tailor a solution to suit your project and business needs.
Policies can include Construction and Public Liability, Builders’ Warranty/Home Indemnity, and protection for tools of trade, ensuring you and your business are covered for damages caused by your work or that of a contractor.
Workers Compensation for contractors on site may also be required. For more information or a tailored solution, call or email us today.
Marine Insurance
Ideal for boat builders and cargo shipping companies
Covers Boat Builders, Ship Repairers Liability and Marine Hull
Cargo Australia wide and marine cargo – imports, exports and overseas
Our Marine Insurance policies protect businesses against a wide range of risks, including Boat Builders and Ship Repairers Liability, Marine Hull, Cargo within Australia, and Marine Cargo for imports, exports and overseas shipments.
If you import products into Australia, we can arrange one-off or annual transit cover to protect your goods while in transit. As the importer, you may be considered the manufacturer and could be liable for claims arising from defective stock. We can ensure your Liability Insurance adequately protects your business.
Whether your operations are on land or at sea, Westralian Insurance is here to provide advice and support. With over forty years of industry experience, we have the knowledge and expertise to tailor the perfect insurance solution for your business.
Commercial Motor/Fleets
- Cover your vehicles against loss, damage or theft
- Cover available for a range of vehicles including utes, vans, trucks, passenger vehicles and more
- Customisable options available including the use of a hire vehicle following an accident as well as theft, automotive glass and can offer cover for additions to your fleet automatically (conditions apply)
Commercial Motor Vehicle and Motor Vehicle Fleet insurance keeps your business moving, whether you have a single vehicle or a fleet of hundreds.
A wide range of vehicles can be covered, including cars, trucks, vans, utilities, trailers and more. These policies allow you to manage all of your vehicles under one insurer, with options to customise cover for each vehicle, hire vehicles, glass and windscreen protection, and agreed or market value coverage. Where available, new acquisitions can be automatically included, reducing the risk of uninsured vehicles.
Our experienced team works across a variety of industries and with leading insurers to find the right solution for your business. Call us today to discuss your requirements.
Contractors Plant and Equipment
Comprehensive for loss, damage, or theft
Legal Liability including options for Road Risk (road registered equipment)
Options available for dry and wet hire (hired in or out)
Plant and Equipment Insurance, sometimes called Industrial Special Plant (ISP) or Mobile Plant and Machinery Insurance, covers a wide range of equipment such as excavators, drill rigs, forklifts, loaders, mobile cranes and more. This cover protects your valuable assets against damage or theft, as well as third-party liabilities.
At Westralian Insurance, our experienced team works with leading insurers to tailor cover for your needs, whether it’s for a single item or a large fleet of assets.
To find out more about Contractors Plant and Equipment Insurance, call us today on (08) 9302 1388. We’ll review your business and requirements and provide a tailored, obligation-free solution.
Healthcare Professionals
Insurance for Healthcare Professionals Including Allied Health care providers, medical technicians, nursing support and personal care workers
- CIVIL LIABILITY (Professional Indemnity) and GENERAL LIABILITY (Public and Products Liability)
- Choice of limits from a broad range up to $20,000,000
- Competitive Premiums and Excesses
The Growing Need for Allied Health Insurance in Australia
Australia’s healthcare system, including allied health providers, is expanding rapidly. There are now over 700,000 registered allied health practitioners, and demand is expected to continue growing over the next decade, particularly in regional and rural areas.
Many healthcare professionals are regulated by the Australian Health Practitioner Regulation Agency (AHPRA), while others are self-regulated through professional associations. These bodies maintain high standards by certifying qualifications, overseeing professional development, and ensuring practitioners have appropriate insurance coverage.
Allied Health Insurance is designed to meet the specific needs of healthcare professionals and their staff who may not be eligible for cover through national medical indemnity insurers, helping protect both their practice and their patients.
Westralian Insurance – Perth
We can assist with a broad range of healthcare and allied healthcare professions including:
- Dentists
- Nurses
- Psychologists
- Occupational therapists
- Physiotherapists
- Speech pathologists
- Optometrists
- Pharmacists
- Podiatrists
and many of the healthcare professionals in non-AHPRA-regulated occupations, such as
- Acupuncturists
- Audiologists
- Diversional therapists
- Disability support workers
- Counsellors
- Social workers
- Sonographers
- Dieticians
- Masseurs
A variation of this cover is also available for medical offices and community health clinics, and for beauty therapists providing laser treatments. Contact us to discuss your needs.
Management Liability insurance can be included with this package to help protect your business in the event of:
- State Revenue Audits; financial crime loss (including by fraud)
- State Revenue Audits; alleged breaches of Statutory Liability including Workplace Health and Safety or Employment Practices Liability claims made against you.
If you own an allied health care business in Western Australia, you need peace of mind that your company is protected and secured for the future. To learn more about our policies and how they may benefit you, call our experienced team today on 08 9302 1388!
Our expert team of brokers offer a comprehensive range of insurance policies including:
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Terms, conditions, limits and exclusions apply to the products referred to above. The information provided here is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these, having regard to the appropriateness of this advice, and the relevant Product Disclosure Statement, available by calling us on (08) 9302 1388, before deciding to acquire, or to continue to hold, this product.
