Home > Commercial Insurance Commercial Insurance Brokers Cowden Group’s emphasis is to provide insurance solutions for Commercial and Corporate businesses. Home > Commercial Insurance Commercial Insurance Cowden Group’s emphasis is to provide insurance solutions for Commercial and Corporate businesses. What is Commercial Insurance? Commercial Insurance protects a business’s assets, balance sheet and people. It ensures the business will continue even after a significant event impacts the operation. With correctly structured insurances, you will be able to replace or repair assets, cover your lost income, and pay and keep your key staff. What is the benefit of having Commercial Insurance? If you have structured your insurances correctly, you will be able to replace or repair assets, cover your lost income, and pay and keep your key staff. Talk to our team about business interruption insurance and why it could save the day. Where do I start, how do I buy insurance policies and what do I need? Good news, you don’t need to become an insurance expert overnight. We will tailor the right insurance program for you, that is cost effective and protects your assets, balance sheet and people. With you, we will build a business profile of your operation. Typically, we would ask you questions like: List of your assets and locations What level of protection, e.g., extinguishers, fire doors, alarms etc What your business does What you make or import/export Payroll, number of employees and turnover Your claims experience We then identify the exposures your business has. They would include: Natural perils like flood or windstorm Traditional perils that all businesses face, e.g., fire, burglary, malicious damage etc Specific exposures for your business, e.g., you may export product to the United States, a renowned litigious jurisdiction should things go wrong Statutory or compulsory insurance buys Emerging risks such as cyber or environmental Commercial Insurance for your Assests We have an extensive range of insurance products and resources available to us to provide you with a tailored insurance program specifically for your business: Industrial Special Risk Business Package Office Package Commercial Strata Commercial Motor/Fleet Marine Insurance Construction Machinery Breakdown Designed to defend your business should it be sued or held responsible for personal injury or property damage. Claims can be substantial and potentially cause a business to fail if they have no cover and have to pay the legal fees and damages: Public Liability This covers you should a third party hold you responsible for a personal injury or property damage Products Liability This provides cover should your products injure a person(s) or damage property Professional Indemnity Protects you for the consequences of a professional error or omission Management Liability Protects your business and its directors and officers from actions from third parties and government institutions People Insurance can also cover your people. There are certain policies that are compulsory while others are optional. Rest assured; all of these ensure your team are adequately covered. Workers Compensation Personal Accident Corporate Travel Voluntary Workers Why I needCommercial Insurance? Nearly half of all businesses fail after a fire or natural catastrophe because they have either no commercial insurance or inadequate insurance. We can assist you to evaluate your insurance needs based on your risk management program and the type of environment in which your business operates. CONTACT US Cowden Insurance Brokers Trusted by Thousands 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. 50 Years of Experience Cowden Limited was founded in 1972 and through growth and acquisition has become a major force in the Australian insurance market. Strong Referral Record 95% of new business is by-way-of referrals from our satisfied clients. Protecting your Company’s Balance Sheet with the Most Economical Solutions We use cutting-edge technology to give you the most cost effective insurance solution. We are Licensed Insurance Advisors 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. We've got you Covered With offices in Perth, Adelaide, Melbourne and Sydney, we will find the solution for your insurance needs. TESTIMONIALS Hear What Our Clients Have to Say "Thank you to Cowden for putting in place Strata Insurance for our properties. The effort put in by Karen Wilson in achieving this outcome was exceptional. Again many thanks to Karen and Cowden, we will be recommending your services”. - Dr. Mark Hagan "In speaking with Cowden Insurance Brokers I have learnt so much about insurance including how important it is as a tenant that you have Contents Insurance. I am more than happy to recommend your fantastic services." - Jan Eriksen "Cowden Insurance Brokers help was incredible! They tailored my insurance for my personal needs. The team was so friendly and helpful, and answered all of my questions and concerns, highly recommend!" - Alice McKenna "Thank you for quickly arranging insurance for me, great work from the team at Cowden Insurance Brokers” - Rob Gillies "Great service, managed to beat all quotes/policies I previously had which I personally managed. I highly recommend Cowden Insurance Brokers”. - Zac Hillier "Great service from some equally great people. If you are looking for someone to look out for your interests by getting the best insurance at a great price, then these people are the ones to see”. - Sharon Setton Frequently Asked Questions Why do I need to buy business insurance? Main reason, for peace of mind, knowing you have protection when you needed it. Other reasons to consider: The policy is required by law e.g., workers compensation insurance. Your bank will not finance your asset unless it’s covered by insurance. I don’t know where to start, how do I know what covers I should buy? Cowden Insurance Brokers will help you identify your risks and advise on a cost-effective insurance program that will protect you, the business assets and your people. Can I pay in instalments? Yes, we can arrange premium funding on your behalf. The funder pays the insurance company the full premium up front and you then repay via monthly payments over the course of the year, usually 8 or 10 months. Can I buy the absolute minimum Business Insurance? Yes, you can. We will explain the policies you have bought; what’s covered and what’s not cover, so in the event of a claim, you know if you have financial assistance or not. How do I lodge a Business Insurance claim? 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. What happens if Cowden Insurance Brokers make a mistake? We owe you a professional duty of care, if we make an error or omission, you have several options to seek recovery from us.