Laptops, tablets, phones and other computer equipment (and for some, filing cabinets) are often key items that you rely on to get your work done on a daily basis. If they were to disappear, would you be able to keep your business running?
As a chartered accountant, running your own practice can be an exciting and rewarding experience, however it’s important to consider the risks that come with it.
- Have your glass windows ever been broken, perhaps due to an accident or break-in?
- Have you had water damage to your premises?
- Has a client ever injured themselves on your business premises?
- Has an employee ever stolen from you?
- Have you ever had to deal with an ATO official investigation or enquiry?
Even if you did not answer yes to some of these, these are all things that can happen to any business owner, and chances are most of us have damaged or lost our phone or laptop at some point.
Why is this important?
Each one of the above scenarios costs your business money and may stop the business from running (thus causing further loss of money and customers).
How can I reduce the chance of this happening to me?
There are many things that you can do - such as keeping liquids away from computer equipment, ensuring you have quality security on your premises and having a flood mitigation plan.
However, as we all know, accidents and mistakes happen, so it’s always helpful to have business insurance cover in place to help foot the bill, so you can continue to run your business and reduce financial loss.
Business insurance cover arranged through Aon
Aon can arrange business insurance cover for you, and you can pick and choose from the below cover options: *
Cover for damage to your business property and contents (including laptops, phones and other computer equipment) caused by fire and other perils
Cover for financial loss to your business due to being unable to operate as a result of property damage
Cover for claims of personal injury and/ or property damage that a third party suffers in connection with your business
Computers and electronic breakdown
Cover for computers and the reasonable costs associated with rewriting or reconstructing your business records and books of account if damage occurs and you lose information
Cover for your business against loss of money or contents caused by theft, fraud or dishonesty by any of your employees
Cover for costs, fees and expenses associated with official taxation audits and investigations.
Aon is one of CAANZ’s insurance partners and has substantial experience arranging insurance for chartered accountants. Aon has arranged protection for over 2000 accountants and has a local claims team here in Australia to assist with any claims.
Aon can also offer CAANZ members a $100 discount on business insurance.
If you would like to find out more or take advantage of this exclusive offer, please call us on 02 6190 0958.
*These cover options are subject to the full policy terms and conditions. Policy limits and exclusions apply.
The Aon Business Pack Insurance Policy is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL 241141 (Aon) on behalf of Insurance Australia Limited, trading as CGU Insurance ABN 11 000 016 722. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be provided upon request.
Chartered Accountants Australia and New Zealand ABN 50 084 642 571 (Chartered Accountants ANZ) acts as a referrer of Aon Risk Services Australia Ltd ABN 17 000 434 720 AFSL 241141 (Aon) products and services only. All services in relation to insurance products are provided Aon, not by Chartered Accountants ANZ. Chartered Accountants ANZ is not a representative of Aon and accepts no legal responsibility for any advice given by, or any act or omission of, Aon. Chartered Accountants ANZ may receive a referral fee from premium commission received by Aon as a result of referrals made by Chartered Accountants ANZ to Aon. If you require further information about our relationship with Aon, please feel free to contact us.
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