Running a business comes with risks. This comprehensive checklist helps you identify the insurance coverage you need to protect your business, employees, and assets. Use this guide to review your current coverage and identify any gaps.
Essential Coverage for All Businesses
Work Injury Compensation (WIC)
MandatoryMandatory for all employees. Covers medical expenses, permanent incapacity, and death benefits for work-related injuries.
Public Liability Insurance
Protects against claims from third parties for bodily injury or property damage occurring at your premises or due to your operations.
Professional Indemnity Insurance
Essential for service providers. Covers claims arising from professional negligence, errors, or omissions.
Property / Fire Insurance
Protects your business premises, equipment, inventory, and contents against fire, theft, and natural disasters.
Business Interruption Insurance
Covers loss of income and ongoing expenses if your business is disrupted due to an insured event.
Industry-Specific Coverage
Construction & Engineering
- Contractor All Risks (CAR)
- Erection All Risks (EAR)
- Performance Bonds
- Machinery Breakdown
- Third Party Liability
Logistics & Transport
- Commercial Vehicle Insurance
- Goods in Transit
- Marine Cargo Insurance
- Warehouse Coverage
- Fleet Insurance
Retail & F&B
- Shop Insurance Package
- Product Liability
- Food Contamination
- Cash in Premises
- Plate Glass Coverage
Professional Services
- Professional Indemnity
- Directors & Officers Liability
- Cyber Liability
- Employment Practices Liability
- Fidelity Guarantee
Employee Benefits Checklist
Quick Assessment Questions
Not Sure What Coverage You Need?
Let our experts conduct a free risk assessment for your business.