A range of products to protect your lifestyle
Running a business in Australia, regardless of the size, trade or industry, you quickly learn that risk doesn’t discriminate. That’s where general insurance comes into play.
At CIG Insurance, we break down the risks specific to your industry, help you pinpoint the cover that truly matters, and arrange tailored protection through brokers who understand your business inside and out.
CIG Insurance provides a comprehensive suite of products for protecting valuable assets which you and your family have saved for and developed over the years. CIG Insurance can provide advice, recommendations and insurance placement on a wide range of covers. Here is a list of the usual types of insurances in which we have extensive experience and expertise.
When you need more than just a quote, that’s where CIG Insurance comes in. We’re more than the traditional relationship you’d expect from an insurance broker.
The confidence of knowing that if you have a claim you’ll have someone ready to action it. It is important that you receive information you can depend on and insurance solutions which provides security that will protect your business and family.
Not just doing the job right but conducting annual reviews to make sure it stays right. We’ll use our knowledge and expertise to not only arrange what you’re after but to help identify what you may have overlooked.
CIG Insurance has partnered with CBN, a national broking group with over 30 years assisting Australians. You’ll have the reassurance provided by big business systems but the understanding that comes from dealing with a smaller business.
For most businesses, insurance isn’t always a priority. But a single incident, one fire, one injury on site, one customer claim, one storm event, one careless moment can stop everything in its tracks.
General insurance acts as a safety net. It’s the difference between getting back to work in a week or shutting down for good. And it’s not just for businesses, either. Property owners, landlords, and individuals with important assets also need proper protection.
General insurance covers a relatively wide spectrum. We work with:
No two clients need the same cover. A sole-trader electrician doesn’t need the same protection as a warehouse operator. A SaaS startup doesn’t face the same risks as a building subcontractor.
The key is understanding the work you do and matching that to the cover that actually matters.
There are a handful of insurance types that almost every business, big or small, needs to consider.
If someone gets hurt or their property is damaged because of your business, this is the coverage that responds. Public liability covers incidents that happen due to your work. Product liability deals with things you manufacture, sell, install or distribute. For many industries, this insurance is mandatory for on-site work.
Professional indemnity protects you if a client says your work, advice, or recommendations caused them financial loss. Engineers, consultants, designers, IT professionals, accountants, health specialists, and anyone in this space should consider it.
Property and contents insurance steps in when the unexpected knocks your business around physically. Even something as simple as a burst pipe can cause tens of thousands in damage.
A few years ago, cyber cover was optional. Now it’s becoming non-negotiable. From ransomware to phishing to data breaches, cyber events can shut a business down. Even small operators are targets. Cyber liability helps manage IT costs, recovery, legal expenses, customer notifications, reputational repair, and more.
When something major happens, such as a fire, flood, structural damage, or loss of access, you may not be able to operate for a while. Business interruption keeps cash flowing so you can keep staff employed, cover rent, and keep the business afloat until things are back on track.
If your business relies on vehicles, utes, vans, trucks, or a whole fleet, you need them back on the road quickly after an accident. Fleet cover makes that possible and gives you flexibility with repairs, breakdowns, claims, and more, depending on the setup.
Some industries just have extra exposures. Thankfully, there’s tailored protection for them:
It’s just as important to know what’s not included. Policies usually won’t cover:
That’s why it’s essential to understand the fine print or have someone in your corner who does.
CIG is part of the Steadfast Network, which means clients get access to broader policy wordings and products you won’t find on retail comparison sites. More importantly, we back clients not just at policy setup but through claims, renewals, and those moments where you need to focus on growing your business. Whether you require a detailed assessment of your current cover or clear, informed guidance on your insurance needs, our team is ready to support you.
CIG is part of the Steadfast Network, which means clients get access to broader policy wordings and products you won’t find on retail comparison sites. More importantly, we back clients not just at policy setup but through claims, renewals, and those moments where you need to focus on growing your business.
Whether you require a detailed assessment of your current cover or clear, informed guidance on your insurance needs, our team is ready to support you.
