Commercial Insurance

At Sarre Insurance Broking Services our experts use Australia’s Leading Insurers and Underwriting Agencies to provide you with the most cost-effective insurance solution’s for your business.

We will review your company’s individual circumstances and create an insurance package that protects your business against losses and allows your business to continue to operate should an insured claim occur.

We make insurance easy and hassle free for you, leaving you to focus on your business and what you do best.

Get a commercial insurance quote.

  • Assess your unique risks
  • Specific advice for your business
  • Unbiased recommendations

Commercial Insurance

Business Insurance can provide cover for your business’ premises and contents, against loss, damage or theft, also offering protection against financial loss experienced from an insured interruption to your business.

It is usually broken down by the following types of protection:
a) Material damage loss for your physical assets
b) Financial loss due to business Interruption

There are many different types of Business Insurance cover options, each designed to protect different areas of a business’ operation. These include, however are not limited to the following, some of these section may also be taken as ‘stand-alone’ policies depending on the type of risk and cover required –

Building Insurance – covers any physical buildings which you may own against physical loss or damage

General Property Insurance – covers against theft and accidental damage of equipment, such as tools, laptops and mobile phones whilst you are away from your premises.

Contents/Stock Insurance – covers against physical loss or damage and theft, of  contents and stock at a specific location.

Public Liability Insurance – covers your business against claims by a 3rd party for loss or damage of property or bodily injury as a result of your negligence.

Product Liability Insurance – cover for the resultant damage caused by a faulty or defective product imported or manufactured by you.

Glass Insurance – covers the loss or damage to the glass within your premises, this could be internal or external.

Tax Audit Insurance – covers fees of any accountants engaged in connection with an audit by the Australian Taxation Office.

Business Interruption – covers you for loss of income due to material damage within your business. This cover is also available as a stand alone policy for more comprehensive cover.

Machinery & Electronic Equipment Breakdown – covers your machinery and equipment against unforeseeable breakdown. This cover is also available as a stand alone policy for more comprehensive cover.


This is a compulsory insurance for any entity or person engaging employees. It covers the costs associated with any work related injury or sickness to an employee or contractor.

It also covers common law, which is monetary settlement to the Injured party should the employers negligence be associated with the injury or sickness.

Other related Insurances include – Corporate Travel, Voluntary Workers, Group Personal Accident, Journey and Industrial Disease Insurance.



Insurance for protection again claims that an entity or person is legally liable for.

e.g. Public & Products Liability, Management Liability, Association Liability, Marine Liability and Carriers Liability Insurance.


Cover against any physical loss or damage to the building. This may also include loss of rent and property owner’s liability.

e.g. Building Insurance, Strata Insurance and Property Owners Insurance.


Professional Indemnity insurance is designed for businesses who provide professional advice or services to others (third parties). It provides protection against the legal costs and claims brought against you by third parties for alleged errors and omissions or breaches of professional duty from your services provided to them.

e.g. Medical Malpractice, IT&T and Design & Construct Insurance.


Cover for your motor vehicles, plant and equipment against loss and damage. Cover can extend to wet or dry hiring

e.g. Transport Operators, Heavy Haulage, Carriers, Trucks, Vehicle Fleet and Mobile Plant & Equipment Insurance.



Protection for your business against legal costs for allegations of mismanagement, misconduct or legislative breaches.

For example:

  • OH&S Breaches
  • Unfair Dismissal
  • Sexual Harassment
  • Statutory breach of duty
  • Defamation
  • Statutory fines & penalties


A Management Liability Policy can cover

Management Liability – which includes protection against fraud or breach of fiduciary duty; misappropriation of trade secrets; unfair competition and breach of confidentiality.

Corporate Liability – which protects against allegations of fraud, being prosecuted by a regulatory authority and actions for breaches of the Corporations Act.

Employment Practices Liability – which protects against allegations of bullying, sexual harassment, unfair dismissal and discrimination.

Theft/Crime – by employees which may include theft of money and property.

Statutory Liability – which protects against a breach of Occupational Health and Safety Act and other legislation.


Cyber Event previously known as Cyber Liability Insurance is cover for the loss, damage and impact to your business from an Insured Cyber Event. Cover options include

Response costs

  • IT forensics
  • Virus extraction
  • Customer notification costs

Losses to you

  • Loss of profits
  • Business impact costs
  • Increased costs of working

Losses to others

  • Third-party litigation
  • Regulatory investigations (notifiable data breaches)
  • Fines and penalties

Criminal financial loss

  • Cyber theft
  • Socially engineered theft
  • Telephone phreaking
  • Cryptojacking

Why choose Sarre?

Take the worry out of insurance and let us look after all your requirements!

Reputable company for over 40 years with experienced Brokers

Peace of mind that you are getting a tailored insurance programme

Using a local broker enables us to visit your business premises to determine all your risk exposures

Unbiased expert insurance advice

Get a tailored quote

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