Small Business


Running a small business can take up a lot of your time, and you need to know about a lot of different things to run a business successfully.

Business insurance is just another one of those things you need to consider, which is where we can help. At Stress Free Insurance we care about getting to know you and your business. We’ll navigate the insurance market to source a variety of options to suit your business insurance needs. We’ll provide you with the knowledge and support you need over the long term.

As part of the Steadfast Group, the largest insurance broker network in Australia, we have access to a large range of insurance companies, and the highest quality products on the market.

Who can be covered:

Cafés and restaurants



Manufacturers and wholesalers

What will be protected:

Legal liability for personal injury, product failure and property damage

Damage caused by fire, floods, storms, and accidental damage

Loss of revenue due to temporary business interruptions and relocation

Vandalism, theft, loss of money, cyber-attacks, glass breakage, machinery breakdown, deterioration of stock, and others

Types of Cover

Business Packages
A Business Package includes optional covers for Property, Business Interruption, Theft, Money, Glass, Liability, Employee Dishonesty, Machinery, Computer and Electronic Equipment, General Property and Tax audit.
As each business has unique risks and exposures, we work to understand your business and deliver the most appropriate insurance solution by tailoring the right insurance package for your specific needs and risk exposures.
Business Interruption
Business Interruption offers cover for Loss of revenue or income, Loss of rent, Payment of fixed costs, Cost of relocating to a temporary location, Extra costs incurred to support your business, Payment of wages (if required).
Business interruption insurance can help you through a disaster (e.g. fire, flood, storm) by providing the costs to allow your business to continue running. Many businesses have ongoing costs that need to be paid even if an insured event should occur such as wages, rent or loan repayments. Business Interruption covers these costs to ensure you can continue business as usual as soon as possible.
Public and Product Liability
Public liability covers your business for legal and compensation costs if you are found liable to someone because you caused death or injury, loss or damage to their property, or economic loss due to your negligence (e.g. a customer is injured on your premises). Product liability covers your business for the sale or supply of parts or materials that fail and cause damage, injury, or death.
Corporate Travel
Corporate Travel Insurance is an annual policy which covers all employees when travelling internationally or domestically for business purposes.
As the director of the business, your policy will cover both business and personal travel. Some policies also extend to cover your spouse or partner as well as dependent children when they accompany you.
This product offers coverage for Emergency overseas medical evacuation, Medical expenses, 24 hour emergency assistance, Lost deposits, Lost and/or damaged luggage, Lost and/or damaged personal effects, Rental car excess, Credit card fraud, Extortion and Personal liability.
Management Liability
Management Liability insurance provides protection for costs of defending directors, managers and employees against any claims that are the result of their actions or decisions in the running of your company. These claims can be made by clients, suppliers, competitors, employees, and government agencies.
Management Liability is a product that combines stand-alone covers such as Directors and Officers Liability, Crime Protection, Statutory Liability and Supplementary Legal Expenses, Employment Practices Liability and Tax Audit.
Farm Packages
Farm Insurance includes optional covers for Farm Property, Farm Machinery, Crop, Plantations, Public & Products Liability, Motor Vehicle, Home & Contents, Business Interruption, Hay, Fencing, Livestock, Machinery Breakdown, Theft and Transit.
As each Farm or Rural policy is unique, we work closely with you to understand your needs of coverage and risk exposure. From hobby farms to commercial farming, we can help formulate a farm pack that aligns with the unique nature of your risk.
Cyber Crime
Cyber Insurance provides cover for Investigation costs, Defence costs, Fines and penalties, Data restoration, Business interruption, Extortion & Privacy Breach.
From attaching the wrong file to an email or clicking on a malicious link (malware) to a network or website attack, Cyber Crime can cause time consuming and costly damage to your business in addition to negatively impacting your clients, customers, and reputation.
Commercial Motor & Fleet
Commercial Motor Insurance can be customised to meet each business’ requirements. This product includes Motor Trade / Driving Risk, Garage Risks, Mobile Machinery, Plant & Equipment, Hired In and non-owned Mobile Plant and Motor Vehicle, and Commercial Motor Fleet Insurance. Commercial Motor can offer coverage for any vehicle used in your business from forklifts and trailers through to trucks and vans.
Marine Cargo & Goods in Transit
Marine transit insurance is designed to protect against physical loss or damage to goods in transit while being exported from, imported to, and in transit within Australia, or around the world, by sea, air, road, and/or rail. This Insurance offers both single and annual trip cover options. Cover can be tailored to suit your specific needs and additional options are available to allow customisation.

Learn more about our insurance service

by contacting the friendly team at Stress Free Insurance