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Understanding general insurance

Getting to know the basics of general insurance for business

General insurance covers you for a range of insurance products which protect the things you own as a part of your business.

If accidental damage, loss or theft occurs to your insured business assets, you’ll have financial security to get things sorted and back on track.

You have a variety of insurances to choose from including cover for your buildings, vehicles, machinery, stock and generally speaking any material possessions included in your business. We also provide cover for business interruption.

It doesn’t matter how big or small your business operations are. We can offer you a solution to suit.

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How general insurance works for business

Insurance works by taking out a policy for the things you want to protect in your business – it could be for your work vehicle, your office, your shop or all of your business related material. These policies are designed to protect you financially against certain risks and events.

Your insurance is outlined in the policy document which clearly states what you’re covered for and what situations are excluded. Remember to read and understand the policy document even before you buy a policy or speak to an Adviser to get a recommendation of what you should look at getting.

What kind of things can I cover?

When working out which things you need cover for it’s a good idea to ask yourself what in your business could be lost or damaged and how that would impact your business. 

At AMP we split our business general insurance into two categories - commercial insurance and rural insurance. This way you can choose the cover that is suited to your specific needs.

Your business could look at getting covers to protect against:

  • material damage
  • business interruption
  • business vehicles
  • liabilities

Take a look at more information on your general insurance options for business.

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