Why choose Add Insure?
Add Insure works with multiple underwriters to find a policy for your needs. We provide you with an account manager who becomes your point of contact, deals directly with your insurer, and advocates for claims on your behalf to provide you with an appropriate outcome.
Our team is focused on delivering great service, brilliant products, and to be there for you when you need us the most, at claims time.
Business insurance can become complicated and requires the consideration of various elements within your business including your products, services, employees, customers, and any other third parties involved in your business – plus more. The more we get to know your business and how you operate it, the better equipped we are to assist you in finding the right business insurance policy options for you. Call us today 1300 233 467
Public Liability Insurance
Plant Machinery Insurance
Corporate Travel Insurance
Management Liability Insurance
Construction and Builders Warranty Insurance
Business Interruption Insurance
Popular Business Insurance Solutions
Business Insurance specialists, we work with you to deliver solutions that give you peace of mind and deliver the value you need.
We offer a range of commercial motor & fleet insurance policies to ensure your commercial fleet vehicles are protected. Whether it’s a fleet, heavy motor vehicle, sedan, ute, or van, our brokers will provide the insurance solution that suits your needs.
You can talk with one of our brokers to find a solution which meets your needs or alternatively we have an online offering where you can get a quote instantly for one vehicle or multiple vehicles on the one policy.
Our Comprehensive Motor-Fleet Cover is provided by Mercurien, it is competitively priced and provides flexible options which include:
Motor Vehicle hire in the event of an accident or theft
Multiple excess levels
Monthly payment options
Mercurien provide embedded services to improve the safety and profitability of your business. Connected via the user-friendly ‘365 driveX’ app, technology that helps keep vehicles on the road and the cash flowing in.
The technology improves Road Safety and provides a digitised driver coaching to promote safer driving habits. Content covers topics across driving behaviours, weather conditions, rural driving, and vehicle technology.
Premium roadside assistance is included with your policy. In the event of a breakdown, your employees are looked after, and lost productivity minimised. The user-friendly 365 driveX app connects drivers to 24/7 Call Centre support with nationwide coverage to get them back on the road quickly.
The world is going digital, and so are the criminals. Cyber risks are a very real threat facing businesses of all sizes – and you’ll need some strong protection to get back on your feet if something goes wrong.
We work with you to find the right, affordable solution that delivers peace of mind.
What’s a cyber risk?
A cyber risk is your business’s susceptibility to data breaches or hacks that could damage your reputation, credibility and trust.
Why you should protect yourself?
Data is valuable, and it’s not just yours that’s at risk. You can be held liable for information leaks – especially if your customers’ information is lost. The consequences of this aren’t only financial. Your reputation as a reliable and trustworthy business is at stake.
Who’s at risk?
Think your business is too small to be targeted? The dangers of online security breaches are no longer just a fear for larger corporations. Hackers are mercilessly shifting their focus to much smaller and unsuspecting targets.
How can you protect yourself?
Unfortunately, nothing will completely eliminate your risk. And if you do fall victim – cyber risks are not covered under most business insurance policies. It takes serious policy analysis and expert advice to find the cover to help your business recover from a malicious cyber attack – and we can provide that.
Watching your business grow and become successful is most satisfying, so don't risk your financial security, hard work and time invested, by being under insured, or having an ill-fitting policy in place.
We work with you to find the right, affordable solution that delivers peace of mind.
Hardware & Timber Insurance
Pool Construction Insurance
Affordable solutions to protect what you have worked so hard for.
Protect yourself and your clients with a tailor-made insurance solution.
Expect the unexpected and make sure you're covered. Peace of mind
through the right solution.
When things go wrong, know that you have the right coverage in place.
Professional Indemnity insurance is a must for anyone giving advice.
Sports Club Insurance
Protect your members and protect the club. Great advice gives security.
Important information you need to know
Any advice given is general advice and does not consider personal needs or financial objectives. Before you make any decision to acquire any product please contact us for a Product Disclosure Statement or Policy Wording.
General insurance services are provided by Add Insure Pty Ltd ABN 58 641 686 599 AR 1282515
Licensee disclaimer – Add Insure is a Corporate Authorised Representative of Steadfast IRS Pty Ltd ABN 95 159 898 398 AFSL 435538. The information contained on this website is for Australian residents only.
Insurance Services: Business | Small Business | Commercial
Locations: Sydney - Brisbane - Melbourne - Sunshine Coast - Darwin
What are some of the most frequently asked questions for Personal Insurance?
What is commercial motor insurance?
Commercial motor insurance provides coverage for vehicles used for business purposes, such as delivery trucks, vans, or company cars.
What does commercial motor insurance typically cover? Commercial motor insurance typically covers damage or loss to your business vehicles, as well as liability for any damages or injuries you may cause to other people or their property while operating the vehicle for business purposes.
What types of vehicles are covered under commercial motor insurance?
Commercial motor insurance can cover a wide range of vehicles used for business purposes, including trucks, vans, cars, trailers, and specialized vehicles like dump trucks or cement mixers.
What factors affect the cost of commercial motor insurance? The cost of commercial motor insurance can depend on a variety of factors, including the type of vehicle, the value of the vehicle, the coverage level, and the driver's record and experience.
Is commercial motor insurance required by law?
In most states, commercial motor insurance is required by law if the vehicle is used for business purposes. Check with your state's department of motor vehicles for specific requirements.
What happens if one of my drivers causes an accident?
If one of your drivers causes an accident, your commercial motor insurance policy can provide liability coverage for damages or injuries to other people or their property, up to the limits of your policy.
Can I add additional drivers to my commercial motor insurance policy?
Yes, you can add additional drivers to your commercial motor insurance policy. However, their driving records and experience may affect the cost of your premium.
What should I do if I need to make a claim on my commercial motor insurance policy?
If you need to make a claim, contact your insurance provider as soon as possible to report the accident or damage. They will guide you through the claims process and may require documentation such as a police report or witness statements to support your claim.
Can I get a discount on my commercial motor insurance if I have a fleet of vehicles?
If you have a fleet of vehicles, you may be able to get a discount on your commercial motor insurance policy. Talk to your insurance provider about available discounts for multiple vehicles.
How often should I review my commercial motor insurance policy?
It's a good idea to review your commercial motor insurance policy annually to make sure you have adequate coverage and to make any necessary updates such as changes to your vehicles or drivers, or any new risks that may have emerged.
What does home insurance cover?
Home insurance typically covers damage or loss to your home and personal property caused by events such as fire, theft, and certain natural disasters. It may also provide liability coverage in case someone is injured on your property.
How much home insurance coverage do I need?
The amount of home insurance coverage you need will depend on factors such as the value of your home and personal property, the location of your home, and the level of risk you are comfortable with. It's important to have enough coverage to protect your assets but not pay for more coverage than you need.
What factors affect the cost of home insurance?
Factors that may affect the cost of home insurance include the location and age of your home, the value of your home and personal property, the level of coverage you choose, your credit score, and any discounts you may be eligible for.
What is the difference between actual cash value and replacement cost coverage?
Actual cash value coverage will pay for the value of your home or personal property at the time it was damaged or lost, taking into account depreciation. Replacement cost coverage will pay to replace the damaged or lost item at today's cost, without deducting for depreciation.
What should I do if I need to file a claim on my home insurance policy?
If you need to file a claim, contact your insurance provider as soon as possible to report the damage or loss. They will guide you through the claims process and may require documentation such as photos or receipts to support your claim.
Are natural disasters such as floods and earthquakes covered under home insurance? Natural disasters such as floods and earthquakes are typically not covered under standard home insurance policies. You may need to purchase additional coverage or a separate policy to protect against these events.
Are my personal belongings covered under my home insurance policy?
Your personal belongings may be covered under your home insurance policy, but there may be limits on the amount of coverage and certain items may not be covered. You may need to purchase additional coverage or a separate policy to fully protect your belongings.
What discounts may be available on home insurance?
Discounts may be available for factors such as having a home security system, being a non-smoker, having good credit, or bundling your home insurance with other types of insurance such as auto insurance.
How often should I review my home insurance policy?
It's a good idea to review your home insurance policy annually to make sure you have adequate coverage and to make any necessary updates such as changes to the value of your home or personal property.
Can I switch home insurance providers?
Yes, you can switch home insurance providers at any time. However, it's important to make sure you have a new policy in place before canceling your current policy to avoid any gaps in coverage.
What is contents insurance?
Contents insurance covers the personal possessions inside your home, such as furniture, appliances, clothing, and electronics, against damage, loss or theft.
What does contents insurance typically cover?
Contents insurance typically covers the cost of repairing or replacing your personal possessions if they are damaged, lost or stolen due to events such as fire, theft, or natural disasters.
Do I need contents insurance if I rent my home?
While your landlord may have insurance that covers the physical building, it's still a good idea to have contents insurance to protect your personal possessions inside the rental property.
How do I determine how much contents insurance coverage I need?
You can determine how much contents insurance coverage you need by making a detailed inventory of all your personal possessions and estimating their value. This will help you choose the appropriate level of coverage to protect your belongings.
Are all my personal possessions covered under my contents insurance policy?
Most personal possessions are covered under contents insurance, but some high-value items such as jewelry, artwork, or antiques may require additional coverage or a separate policy.
Are there any exclusions to contents insurance coverage?
Some contents insurance policies may have exclusions for certain events or types of damage, such as floods, earthquakes, or intentional acts of damage.
How can I save money on my contents insurance premium?
You may be able to save money on your contents insurance premium by increasing your deductible, installing security features in your home, or bundling your contents insurance with other types of insurance such as car insurance.
What should I do if I need to make a claim on my contents insurance policy?
If you need to make a claim, contact your insurance provider as soon as possible to report the damage or loss. They will guide you through the claims process and may require documentation such as photos or a police report to support your claim.
Does contents insurance cover items I take outside my home?
Some contents insurance policies may provide limited coverage for personal possessions you take outside your home, such as a laptop or smartphone. However, if you have high-value items that you frequently take with you, you may need to consider additional coverage.
How often should I review my contents insurance policy?
It's a good idea to review your contents insurance policy annually to make sure you have adequate coverage and to make any necessary updates such as changes to the value of your possessions or any new high-value items you may have acquired.