Running a small or medium-sized business presents numerous challenges, from managing daily operations to mitigating unforeseen risks. A single incident, such as property damage, a cyber attack, or a legal claim, can place significant financial pressure on your business.
Tailored insurance solutions for every business
At ADK Insurance Brokers, we specialize in providing tailored insurance solutions to small and medium-sized businesses, associations, and individuals across a variety of industries throughout Australia.
Our extensive experience enables us to work closely with clients to identify potential risks and secure the most appropriate insurance coverage to ensure business continuity.
Business Insurance
Comprehensive coverage that protects your business from common risks, including property damage, theft, and liability claims. This helps you remain resilient in the face of unexpected events.
Business Interruption Insurance
Covers lost income and ongoing expenses if your business is unable to operate due to unforeseen circumstances.
What Business Insurance Covers
Business insurance is a comprehensive suite of coverage designed to protect your business from financial loss resulting from unexpected events, such as property damage, legal claims, employee injuries, or operational disruptions. It is not a one-size-fits-all solution but a customized package based on your business’s unique needs, size, and industry.
Public Liability
Injury or property damage caused by your business activities
Professional Indemnity
Legal costs if your advice or service causes financial loss to a client
Workers’ Compensation
Covers work-related injuries or illness (mandatory if you have employees)
Product Liability
Claims arising from faulty products that cause harm
Business Interruption
Lost income if your business is forced to close temporarily
Property & Contents
Damage or loss of buildings, stock, equipment, or furniture
Cyber Insurance
Protection against data breaches, hacking, and cybercrime
Commercial Vehicle
Coverage for business-use vehicles in case of accidents, theft, or damage
Cover at a glance
Tailored insurance packages for small and medium businesses across all industries
Protection against property damage, theft, liability, and business interruption
Cover for professional indemnity, product liability, and cyber risks
Options to include vehicles, tools, stock, and equipment
Policies structured around your business size, operations, and risk profile
Flexible excesses and limits to suit your level of exposure
Why Small Business Professionals Need Insurance
For small businesses, insurance is a critical component of risk management, safeguarding against potential financial loss, brand, and reputational damage. Regardless of the goods or services your business provides, ensuring quality products and exceptional service is a priority.
However, unforeseen events can disrupt even the best-laid plans. Depending on your business type, industry-specific risks may require tailored coverage. Our team can help identify potential uninsured risks in your business profile and recommend appropriate policies to mitigate these risks.
Who needs it?
Business insurance is essential for anyone running or operating a business in Australia. From small to medium-sized enterprises and tradespeople to freelancers, consultants, and online retailers, the right cover helps protect your livelihood, meet client or regulatory requirements, and stay resilient when unexpected challenges arise.
Small to medium-sized enterprises (SMEs)
Especially those with physical premises, employees, or customer-facing operations.
Freelancers and consultants
Indemnity insurance is crucial for those offering professional advice or services.
Retailers and manufacturers
Product liability and property insurance are vital to protect stock and operations.
Tradespeople and contractors
Public liability and tool/equipment cover are often required by clients or local authorities.
Online businesses
Cyber insurance is becoming increasingly important to protect customer data and digital assets.
Smart protection for growing businesses
Even home-based or part-time businesses may face risks that standard home insurance doesn’t cover.
Business insurance helps ensure compliance, enhances resilience, and provides peace of mind, allowing you to focus on business growth.
