Business Insurance

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We understand that running your own business is one of the most challenging, exciting and rewarding things you’ll ever do. Whether it’s your own retail shop, a professional practice or a factory making must-have gadgets, there’s a certain satisfaction that comes with being in control. Until, of course, the uncontrollable turns up.

Which is where we come in. We can’t serve your customers, drive your trucks, or make sure your production line runs smoothly, but we can take the strain when it comes to insuring your business against the ‘what if’s’ that can otherwise take your mind off the job.

With the expertise to get to know you and your business – inside and out – Blynx Insurance can offer you a flexible, affordable insurance solution that’s perfectly suited to your needs – now and for the future.

Our policies include Fire and Other Damage and Burglary Insurance as standard. You can add any of the other options:

Fire & Perils

Your building and business contents are covered from certain specific events including fire, storm (not flood), lightning, impact by vehicles, explosion and earthquakes. Accidental damage cover is automatically included up to $250,000.

Business Interruption

Business Insurance helps to repair and replace your damaged property. Business Interruption Insurance covers you for loss of gross profit or gross rentals following an interruption to your business which was caused by an insured event including fire or burglary, etc.

Burglary

If someone breaks into your premises using forced and violent entry, you are covered for the theft of stock, other business contents and electronic equipment in your building.

Glass Breakage

You’re covered for the replacement value of broken glass including the cost of temporary shuttering, replacement of sign writing and repair of plastic signs up to $8,000. Any stock damaged by the broken glass is also covered at the cost value.

Money

You’re covered for loss or theft of money from certain locations. Any loss of money caused by accounting or clerical errors or theft from staff is not covered.

Public Liability

Your legal liability for personal injury or damage to property due to an occurrence connected with your business is covered where you are at fault.

Equipment Breakdown

Your mechanical or electrical equipment is covered as well as certain electronic devices.

Portable Property

Cover for items of your choice such as mobile phones and laptop computers, whether you’re in the office or anywhere in the world.

Fraud & Dishonesty

You’re covered for the loss of money or goods due to any act of fraud or dishonesty by your employees, whether they are acting in collusion with others or alone. This fraud and dishonesty needs to be discovered during the insurance period.

Tax Audit

Your professional fees, including legal and accounting fees, associated with a business tax audit are covered.