Why use an Insurance Broker?

Insurance can be a complicated field; we know. At Sirius Insurance we will help you to understand the key elements of your policy and determine the level of cover that best suits your needs.

Our team is dedicated to giving YOU, our clients, great insurance broker service and advice. We are specialists in risk management who work with you to identify your individual or business needs, and then help you to decide on what you need to insure.

There are a huge range of business insurance products, policies and providers out there to choose from. We know this! Our job, as your insurance broker, is to search for the best and most cost-effective insurance products available and to then tailor these to minimise future risks to you and your business ensuring you are always fully protected - the right way – the Sirius way!

When Should I Take Out Business Insurance?

Whether you’re just getting started or looking to expand or open a new branch or your business is moving along steadily as it always has, you need business insurance and we can help. Sirius Insurance is serious about helping you get the right cover and the right protection for your business. After all, …. YOU don’t ever want to be caught out and risk losing it all!

Why is Home & Contents Insurance Important?

If you are a homeowner or are renting, you need to ensure your assets are protected under a home & contents insurance policy.

This insurance offers you peace of mind knowing you can protect your home and contents against fire, storm, theft, fusion and even accidental loss or damage. Flood cover is also available should you feel you need protection from a flood.

There are various levels of cover available, such as defined events, accidental damage and new for old replacement.

Many valuable items can also be insured. They can be specified on your home & contents policy in order to be insured for their correct value. Items such as jewellery, gold or silver ornaments, paintings, antiques, etc. often need to be listed separately.

Why Is Individual Personal Accident & Sickness Insurance Important?

Because Accidents can happen to anyone unexpectantly at any time.

Having an individual personal accident & sickness insurance policy in place will provide you with that extra layer of protection that you and your family deserve.

Without this insurance it may mean you need to dip into your personal savings or superannuation. If you are running a business, the impact of not being able to work may also put extreme pressure on profit, future growth, finances, and viability.

That’s why it’s extremely important to ensure that you’re financially insured should the unthinkable happen.

While we can’t predict when an accident will occur, with an individual personal accident & sickness insurance policy you would be insured for up to 75%-85% of your income and in some cases, you can also insure some fixed business expenses.

You could rest easy knowing that your individual personal accident & sickness insurance policy would pay you monthly benefits from the day of any accident, injury or illness. This monthly income will allow you to meet your ongoing mortgage commitments, as well as cover any general living expenses.

Why have Landlord Insurance?

Investing in an apartment or unit or can be a great way to build your future, but you need to know your rental property and income is protected no matter what happens. At SIRIUS INSURANCE we specialise in Landlord Insurance giving you fully customised cover at affordable prices.

Feel secure knowing you are fully protected with no excess to pay for most of the BIG Events. (Contents, New for Old Replacement, Fire & Explosion has a small $50 excess to pay) So out of pocket expenses are minimised for you should something go wrong.

What is Pleasure Craft Insurance?

If you love being out on the open waters and enjoying the peacefulness surrounding you while on your pleasure craft or yacht, nothing will bring you the peace of mind you deserve more than being insured against the perils of the sea. The tides and waves are unpredictable and can potentially put you and your vessel in danger.Additionally, it’s just as important to protect your pleasure craft in the event that it sustains damage or is stolen.

While we can’t predict when accidents happen, we can definitely plan and be prepared for it. Sirius Insurance is here to help you determine the possible risks you may potentially face out in the open sea and arrange the most appropriate pleasure craft insurance cover for you.

When you’re insured with an appropriate pleasure craft policy, this provides you with that extra layer of protection that you and your family deserve.

What is Travel Insurance?

Travel Insurance is Protection Insurance. After all, safety comes first. Even if you think you’re travelling only for a short distance, it’s important to have travel insurance to back you up for the unthinkable event that may possibly occur.

If your luggage is stolen, lost or damaged when travelling, there’s a risk of you not being able to retrieve these items again. And if you’re not equipped with travel insurance, you’ll need to replace these lost items which will incur unnecessary costs.

At Sirius Insurance we know that by having well-structured travel insurance you should have every opportunity to recoup your losses against potential risks.

What is Professional Indemnity Insurance?

If you provide advice in your line of work, then you need to make sure that you have the appropriate professional indemnity insurance to protect you against any claims of malpractice or professional misconduct.

What is Public & Product Liability Insurance?

Public Liability Insurance provides protection for your business if you are found to be responsible for a third party's financial or physical loss while you were providing service or product, whether at your work place or any other location.

In plain language, public liability insurance will cover the legal costs and compensation that needs to be paid to the customers if you are liable for their loss.

What is Tax Audit Business Insurance Cover?

This section covers the professional fees incurred in connection with an audit or investigation of the Business tax affairs by any authority authorised to do so, for example the Australian Taxation office.

What is Cyber Insurance?

Includes costs incurred as a result of your systems being hacked, including:

  • Third party claims against you including breach of privacy/confidentiality;
  • Damage to your computer system/s and/or website; and
  • Payments made to Hackers due to extortion.

What is Management Liability Insurance?

Provides cover for third party claims against the Business and/or its Directors and Officers for breach of duty in the management of the Business, and any Claim by employees make against the Business e.g. Sexual Harassment, Unfair Dismissal or Bullying.

Frequently Asked Questions