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General Property Insurance - Protect your portable tools of trade and equipment. Talk to an insurance broker with expertise in general property insurance and make sure your portable property is adequately covered.
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Insurance brokers operate on behalf of their customers. Insurance brokers understand both the potential risks that an individual or business may face and also the various insurance policy options and insurance providers that exist across the market.
Insurance brokers can help customers with hard to place risks to find an insurance provider that can meet their needs.
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Insurance brokers help clients to reduce their risk by sourcing and matching their clients with appropriate insurance products. Insurance brokers work for their customers. Insurance brokers focus on understanding their customers' risks and exposure and their insurance requirements.
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Property Insurance FAQs
Advisr has 592 insurance brokers and 92 insurance brokerages specialising in Property Insurance. To find the right insurance broker who specialises in Property Insurance, check out this page for specialist Property Insurance Brokers.
- Read real customer reviews to learn more about them
- Educate yourself about Property Insurance by reading articles written by insurance brokers that explain Property Insurance
- Ask friends or colleagues to refer their Property Insurance broker to you and look them up on Advisr to read their reviews and connect with them.
Advisr is built to help you understand your insurance needs and find an insurance broker that is right for you.
General Property Insurance is cover designed to protect your portable equipment or tools of trade from various risks. General Property Insurance is designed to complement Liability Insurance for a business, as Liability Insurance does not generally cover damage to your property.
Your tools of trade may literally be tools, as in the case of a tradesperson, though many other professions can use a General Property policy to cover their equipment. For example, the camera belonging to a cameraman, the laptop used by a management consultant, medical equipment used by a home GP or the scientific equipment used by a marine scientist. General Property Insurance is for these portable tools and equipment, while Business Contents Insurance covers property that stays in your office.
General Property Insurance usually covers your portable tools of trade for loss or damage in the event that they are stolen or damaged by fire, storm or accident. Different policies will differ in what items they cover and what incidents for which your items are insured. For example some policies will only cover theft by forced entry, whereas others will also cover theft for items not locked away.
Some policies specify cover for hired equipment. Some policies will also provide cover for the extra cost of doing business following the loss or damage of critical equipment.
The cost of General Property Insurance is heavily dependent on what it is that is being insured and under what circumstances it is used. Generally the main factors that influence the cost of General Property Insurance are:
- the value of the equipment
- the location of the equipment
- the type of business you run
- the events for which you require cover
The risk profile of your type of business is determined by the rate of claims of businesses similar to yours. The riskier the business type, the more expensive your coverage will be.
Using an Insurance Broker for your General Property Insurance ensures that you have managed your unique risks.
Every business is different and an insurance broker can help by assessing what equipment you need to cover, understanding your specific risk profile and providing advice on the best insurance cover for you. An insurance broker is able to compare policies from different General Property insurers.
An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer. So whether you're a environmental engineer, journalist or mobile dentist, your Insurance Broker can assist you to find the best cover for your specialist portable business equipment.
Commercial Property Insurance
Commercial Property Insurance is used to cover non-residential property such as warehouses, shops and factories in the case of ddamage, loss or theft.
Commercial Property insurance is used to cover non-residential properties for loss and damage due to insured events. This may include damage to contents, fixtures and fittings, glass windows or signage. Commercial Property insurance may incorporate cover such as Public and Product Liability, Strata Title or Landlords insurance where relevant.
What is key to remember is that the cost of Commercial Property insurance is often a function of the coverage being provided, so cheaper Commercial Property insurance may not always offer the same levels of coverage as more expensive alternatives. You want to consider your coverage requirements first, and then seek to find and determine the costs associated.
Using an Insurance Broker for your Commercial Property insurance needs ensures that your business has managed its risks. Every business is different and an insurance broker can help by assessing your unique business risk profile and providing advice on the best insurance cover, including Commercial Property insurance for your business. An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer.
So whether it's damage from flood or fire, malicious or accidental damage, loss of rent or machinery breakdown, your Insurance Broker can assist you to be covered.
Contents Insurance is insurance that provides financial coverage for repairing or replacing household personal possessions including but not limited to furniture, curtains, white goods, electrical devices, clothing, jewellery, sports equipment, toys, beds, stereos, electrical items.
Contents insurance covers the items included within your household and owned by various household members. Specific valuable items can be listed independently on your contents insurance policy as listed or named items.
Contents insurance is suitable for both renters and homeowners and can be packaged with Home Insurance as a home and contents insurance policy.
Contents Insurance covers the contents of your home. Your home may be either owned or rented. Contents insurance covers such things as furniture, electrical goods, televisions, stereos, personal valuables, clothes, jewellery, sporting equipment and other contents that you store within your home.
More valuable items may be listed individually and specifically on your contents insurance policy.
Contents Insurance cost are determined on the number and value of items being insured.
The greater the value of the goods being insured, the greater the cost of your contents insurance. There are a few key variables when it comes to determining the cost of contents insurance. These may include:
- Agreed sum of coverage for non-listed items, eg clothing
- Replacement value for listed items
- Age of the items
- Security in place for the home, eg how secure are the premises
- Location of the home
- History of the person looking to get insurance.
In addition to price, what is key to remember is that the cost of Contents Insurance is often a function of the coverage being provided, so cheaper Contents Insurance may not always offer the same levels of coverage as more expensive alternatives.
You want to consider your coverage requirements first, and then seek to find and determine the costs associated.
Using an Insurance Broker for your Contents insurance needs ensures that your personal contents are covered from risks you might face. Every person is different and an insurance broker can help by assessing your unique personal risk profile and providing advice on the best insurance cover, including Contents insurance for you. An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer.
So whether it's theft or attempted theft, power surge to domestic appliances or domestic equipment or accidental damage, your Insurance Broker can assist your contents to be covered.