Business Insurance Brokers
What is Business Insurance?
Business Insurance safeguards your business from various risks and unexpected events. As an experienced Business Insurance broker, we understand your business’s unique challenges and offer affordable and comprehensive Business Insurance to protect your premises, stock, equipment and more.
Our goal is to give you the peace of mind to focus on what you do best – running your business.
What does Business Insurance Cover?
At Cowden, we understand that each business has unique needs, and we tailor insurance packages to match these requirements. As your insurance broker,
we focus on providing coverage that not only meets but exceeds your expectations, ensuring that your business thrives, even in the face of adversity.
From safeguarding your physical assets to covering legal liabilities, Cowden Business Insurance brokers craft a package that provides complete peace of mind.
Cover for your buildings, contents and stock against unforeseen events such as fire, malicious damage, water damage
and other insured perils.
Loss of income as a result of an insured event, such as fire damage to your building.
Loss of contents and stock resulting from theft or attempted theft following forcible and/or violent entry at your premises.
Loss of money from your business premises, in transit or at your private residence.
Cost to replace accidental breakage of internal and external glass, including signs, temporary boarding and sign writing.
Covers your legal liability to pay compensation to third parties for bodily injury or property damage arising out of your
business activities or products.
Loss or damage to machinery due to mechanical breakdown, or damage to boilers and pressure vessels caused by
explosion and collapse.
Covers the repair or replacement costs to computers and other electronic equipment due to electronic, electrical
or mechanical breakdown.
Protection against loss of money or property insured caused by the dishonest or fraudulent conduct of an employee.
Cover for business property, such as tools of trade, laptops and mobile phones, that you use for your profession away from
the business premises.
Covers loss or damage to stock that is in transit on the road, in the air or by sea to and from your business premise.
Covers professional fees incurred from accountants (lawyers, bookkeeper) in the event the business is audited by the
Australian Taxation Office.
Talk to one of our experienced Business Insurance brokers to create a package that suits your specific requirements.
What is the Benefit of Business Insurance?
Business Insurance is an invaluable asset, serving as a safety net for your organisation. Working with an experienced Business Insurance broker who understands your industry and specific risks is a game-changer for any business owner.
The primary benefit of Business Insurance lies in its ability to provide financial protection against a wide array of risks.
The right package can safeguard your business from significant financial losses.
Shields against financial losses due to property damage, interruption to your business, theft, and other unforeseen events.
Helps identify and manage potential risks, reducing the likelihood of costly incidents.
Protects against claims of personal injury or property damage by third parties, including defence costs.
Provides stability and support to the business’s operations during and after unexpected events.
Offers business owners confidence and peace of mind, knowing their organisation is well-protected.
Why choose us as your Business Insurance Broker
- With over 50 years of experience, Cowden is a significant force in the Australian insurance market, combining seasoned expertise with cutting-edge technology.
- Our strong referral record, with 95% of new business coming from satisfied clients, speaks volumes about our ability to deliver economical and effective solutions.
- Our presence in Perth, Adelaide, Melbourne, and Sydney ensures that we’ve got you covered, whatever your location.
Getting started is simple. Contact our experienced team of insurance brokers to discuss your insurance needs and receive a personalised quote. We’ll guide you through the process.
Our ability to consistently find the correct solution based on our clients needs has built the trust and loyalty that thousands of Australians have in us.
Cowden Limited was founded in 1972 and through growth and acquisition has become a major force in the Australian insurance market.
95% of new business is by-way-of referrals from our satisfied clients.
We use cutting-edge technology to give you the most cost effective insurance solution.
Along with our 50 years of experience, we hold an Australian Financial Services Licence.
Providing you with peace of mind that we have proven and authoritative service.
Flood cover is not generally automatic however, we have access to a number of insurers who will consider adding the cover to your policy for an additional premium, subject to eligibility.
We can arrange premium funding on your behalf. The funder pays the premium up front to the insurer, and you then repay the funder via monthly direct debits, usually over 8 or 10 months.
Yes, to avoid the possibility of having to bear a portion of a claim, e.g., Property Damage can contain under-insurance conditions meaning if, at the time of loss the sum insured is less than the full value, you could bear a proportionate amount of the loss.
Under business interruption, this is the period during which cover is provided for disruption to the business following the occurrence of an insured peril. We will assist you to ensure you have an adequate indemnity period.
At your first opportunity contact us. We will be there every step of the way. We will help you notify the insurer, collate and submit the right paperwork and see it through to the end of the claim.