Affordable insurance services in Perth
Business and Office Insurance
A business is an important and expensive asset and, like other assets, should be protected with comprehensive insurance tailored specifically to your needs. At Westralian Insurance, our fully qualified insurance brokers will provide a complete insurance solution and the right insurance coverage for your business in the Perth region or beyond.
According to the Australian Taxation Office (A.T.O.), there are more than 2 million small businesses in Australia. Furthermore, 96% of all Australian businesses are small businesses, accounting for over $330 billion of Australia’s economic output. Small businesses employ over 4.5 million people, which represents more than half the Australian workforce! Small business is the heart of the Australian economy, and often, small businesses are the sole source of income for the whole family, so it’s vital to ensure these assets are adequately insured.
The most common types of claims that occur with small businesses are storm/weather damage, fire and theft. These risks, along with many others, can be covered when you take out a Business Package Policy.
Trade Packages
Workers Compensation for Tradies
Tools of Trade
Public Liability
Coverage for your Vehicles
Contract Works
Builders Warranty
Trades and Services packages provide insurance protection for tradespersons or service providers who undertake work at their customers' premises - these include electricians, bricklayers, plumbers, cabinet makers and carpenters just to mention a few.
Our Trade Insurance policies provide cover for Public and Products Liability, Workers Compensation, Tools of Trade and Motor Vehicles.
We can obtain cover for your Employees, as well as any Sub-Contractors that are working for you, who do not have their own Insurances in place.
Builders Warranty / Indemnity Insurance
If you’re a licensed builder, you may need Builders Warranty insurance for some, or all, of your residential jobs. Builders Warranty protects your customer if they lose their deposit, you don’t finish the job or it’s defective, and you pass away, disappear or become bankrupt.
The rules vary from state to state but in many places it’s a legal/statutory requirement for jobs above specified dollar amounts. In WA, it is a requirement for residential building work over $20,000.
You may also require Contract Works/Liability Insurance. An annual Contract Works and Liability policy will cover you for Material Damage and Public Liability Insurance.
We can also provide fast Certificates of Currency, often posting, emailing or faxing your Certificate on the day of your request (once payment of your insurance premium has been received).
We insure a wide range of ‘tradies’ working across all types of industries, so give us a call today!
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 Perth, you know that WorkCover law requires you to have workers compensation insurance. But do you know why?
Workers Compensation is a statutory requirement for any small business with employees and/or uninsured subcontractors, so if you employ staff and/or uninsured subcontractors, you must take out Workers Compensation cover.
What Are the Benefits of Workers Compensation Insurance?
Workers compensation doesn’t just protect your employees—it protects your business too. If an employee were to get injured at work, as his or her employer, you’d be responsible for compensating the medical costs, lost wages from time off work, common law damages, penalties and other fees.
Fortunately, you can avoid these financial consequences by taking out a Workers Compensation policy to protect your workers and your business.
Westralian Insurance can assist with your business insurance and provide a thorough, obligation free quote. Our fully qualified insurance brokers would love to learn about your small business, so give us a call 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
Public Liability insurance protects you and your business, from potential financial losses caused by property damage or injury to a member of the public at your place of business or whilst undertaking your work. The cover is negligence-based and usually Australia-wide. It is not compulsory in Western Australia, however it is advisable for all businesses to have a current Public Liability policy, especially if you are working with the public at a large or entering into contracts with a third party.
Public Liability policies protect you and your business against the potential financial risk of being found liable to a third party for death or injury, loss or damage of property or 'pure economic' loss resulting from your negligence. Product Liability insurance covers damage or injury caused to another business, person or property should your product or the product you are selling fail.
If you own a business in Western Australia, Public Liability insurance cover will provide you with the 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!
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
At Westralian Insurance, we’ve been providing professional indemnity insurance to businesses throughout Perth, Western Australia and beyond for over forty years. We have a wealth of experience assisting businesses in the area, and we fully understand the concerns which can come with an insurance claim against your company.
Professional Indemnity insurance is designed to cover claims for professional negligence, errors or omissions. If you are engaged in a professional service where advice or design work is crucial to your business, you may at some stage receive a claim from a third party for financial loss as a result of your (alleged) professional negligence. A Professional Indemnity policy will respond to this kind of claim, including the associated legal costs.
If you’d like to know more about Professional Indemnity cover and whether it’s right for you, call our team today on 08 9302 1388.
We’ll review your business and requirements and ensure we find the right solution for you – obligation free!
Personal Accident and Illness
Ideal for sole traders
Protects your income
Range of policies and benefits
In large businesses with many staff, an injury to an employee is generally easy to work around. With such a large team at hand, you can usually find someone to cover the injured staff member’s work, ensuring that the company continues working efficiently.
If you’re a sole trader though, it’s a completely different story.
Personal accident as a sole trader
If you’re a sole trader looking for Personal Accident and Illness insurance in Perth or Western Australia, we have just the policy for you! While you may be unable to obtain Workers Compensation or Income Protection insurance, our experienced insurance brokers will ensure that you and your income are still protected, with Personal Accident and Illness insurance cover.
These policies are designed to protect your income around the clock, anywhere in the world, should you be unable to work due to an injury sustained or an illness. Our Personal Accident and Illness policies are also available with capital benefits, providing a lump sum payment immediately following a physical loss as detailed in the policy. It’s a great solution for sole traders who are not eligible for Workers Compensation insurance. For more information on how this cover can assist you, call or email us today!
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 company from a garage or own a computer store in central Perth, it’s essential to ensure that your property and premises are fully insured.
At Westralian Insurance, we offer Property Risks insurance for businesses of all shapes and sizes.
With over forty years experience in the industry, we have a wealth of knowledge and expertise with regard to businesses throughout Western Australia and beyond, allowing us to tailor our plans and packages to perfectly suit you and your location.
No matter how well prepared you are, every business is vulnerable to physical damage, resulting in costly interruptions to operations and subsequent loss of profit as well as physical assets. Property Risks insurance can provide a broad range of cover, including Fire and Perils, Burglary, Loss of Rent, Glass, Public and Products Liability, Machinery Breakdown, Electronic Equipment, Tax Audit and much more. Any physical assets are eligible for cover, which means that your buildings, contents, stock, fixtures, fittings and any other items are protected. For more information on how this cover can assist you, call or email us 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’re passionate about offering the highest quality and most up-to-date insurance policies to customers throughout Perth and Western Australia. We have many decades of experience in the industry, which allows us to help find the most suitable and cost-effective insurance solution for your business.
Professional Risks insurance
Our policies protect you and your business against a broad range of professional risks, including Defamation, Directors and Officers Liability, Association Liability, Employment Practices Liability, Management Liability, Cyber Liability, IT Liability and Statutory Liability.
How can a Management Liability policy help your business?
Management Liability insurance covers risks faced by Directors and Senior Managers, which arise from running almost any kind of company. These include governance, finance, benefits and management activities. Management Liability claims are on the increase, so it’s wise to protect your business!
If you’d like to know more about our professional risks insurance policies and what they can do for you and your business in Western Australia, 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 is designed to help protect your business from the financial impact of computer hacking or a data breach.
Cyber policies vary in the benefits that they provide such as, First Party Losses (Business Interruption losses, Cyber extortion and Electronica data replacement), Third Party Losses (Defence costs, Security and privacy liability, Regulatory breach liability and Electronic medica liability) and Extra Expenses such as Crisis management and Notification and monitoring expenses.
Cyber crime includes all of the following:
- Identity theft
- Cyber stalking
- Use of malware
- Use of viruses
Everybody who uses a computer– or even just a mobile phone or iPad – for work purposes can be a victim of cyber crime.
Technology has moved forward at an astonishing rate. In our history, we’ve seen computers go from being a rarity to being able to fit in the palm of your hand! With the incredibly fast broadband rates available today, it’s amazing how much information can flow in and out of one business’ data network.
When it comes to insuring your company, it’s important to have the ability to adapt and change to the needs of the business, as well as external environment. While it’s still essential to cover your business premises and staff, it’s also imperative to consider the risk that technology can pose on your company.
It is therefore, essential that your company is covered when it comes to technology and data communications.
With comprehensive cyber insurance from Westralian Insurance, you can rest assured that any damages caused by technology and communications within your business, will cause you no financial loss.
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 (otherwise known as Contract Works) Insurance is imperative for anyone taking on a building project, no matter how big or small. Contract Works insurance is designed to cover building works in progress, should loss or damage occur during construction.
Insurance cover for these risks is very specific and our brokers will assist you in tailoring an insurance solution for your situation.
Our policies cover Construction and Public Liability, Builders’ Warranty/Home Indemnity cover and much more, ensuring that you and/or your company is protected against any damages caused by your services or those of a contractor. Your tools of trade can also be included.
Workers Compensation for the contractors on site may also be required. For more information on how these policies can assist you, 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 cover a broad range of Marine Liability risks and damages, including Boat Builders, Ship Repairers Liability, Marine Hull, Cargo – Australia-wide, and Marine Cargo – Imports, Exports and Overseas.
If you are importing products into Australia to sell as part of your business, we can also arrange quotations for one-off and Annual Transits to cover the goods whilst in Transit.
If you’re importing goods, you’re considered the manufacturer and may be liable for claims arising from defective stock, so you will need to make sure that your Liability Insurance is adequately covering your business - this is something we can assist with.
If items go adrift on land or at sea and you need help or advice, we are here to help. With over forty years experience in the industry, we have a wealth of knowledge and expertise to help you find 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)
What is it all about?
Commercial Motor Vehicle and Motor Vehicle Fleet insurance policies are designed to keep your business running smoothly on and off the road. Policies include cover for a single business vehicle, all the way to fleets of several hundred units.
A wide range of vehicles can be covered including cars, trucks, vans, utilities, trailers and more. The benefit of a Commercial Motor or Motor Fleet policy is having all of your vehicles under one policy and one insurer. You can also customise your policy by choosing the level of cover for each vehicle, hire vehicle, glass/windscreen options, and agreed or market value coverage. Where available, policies can automatically cover new acquisitions to your fleet which avoids the risk of forgetting to insure new assets during the year.
Our expert team can assist with a wide range of industries while we also work with leading insurers in the market, so give us a call today!
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)
Insurance for a range of equipment
Plant and Equipment Insurance is also often referred to as Industrial Special Plant (ISP) or Mobile Plant and Machinery Insurance. These insurances provide cover for a wide range of equipment including excavators, drill rigs, forklifts, loaders, mobile cranes and more. Business owners should consider insuring these valuable assets against damage or theft, as well as third-party liabilities.
At Westralian Insurance, our experienced team has access to market-leading insurers and can tailor your insurance cover to suit your needs, whether cover is needed for a single item or large list of assets.
If you’d like to know more about Contractors Plant and Equipment Insurance, call our team today on 08 9302 1388.
We’ll review your business and requirements and ensure we find the right solution for you – obligation-free!
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 Australian healthcare workforce – their growth and need for insurance
Now, more than ever, Australia’s healthcare system, including allied healthcare providers, is in the spotlight. Allied health is a rapidly growing part of Australia’s health workforce, with more than 700,000 registered practitioners. The Australian government expects demand to continue to grow over the next decade, especially in rural areas.
Australia is renowned for its world-class healthcare, and many healthcare professionals are regulated through Australian Health Practitioner Regulation Agency (AHPRA). Other allied health professions self-regulate through their professional association. They ensure quality by certifying qualifications, setting and maintaining standards and overseeing professional development. This includes having the correct insurance cover in place for their businesses.
An Allied Health insurance policy is designed to meet the needs of many allied healthcare professionals and their staff, who may not be entitled to cover from national medical indemnity insurers.
Westralian Insurance – Perth
We can assist 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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Our partnerships with industry leaders around the world include:
For more information about any of our fully
integrated insurance policies, or for a free quote,
call our team today on 08 9302 1388
To learn more, check out our blog articles here.
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.
Lugarno Holdings Pty Ltd trading as Westralian Insurance
