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. Below is a list of the usual types of insurances in which we have extensive experience and expertise.

  • Home and Contents
  • Motor Vehicle
  • Public Liability
  • Travel Insurance
  • Boat Insurance
  • Strata Insurance
  • Residential Landlord Insurance
  • Caravan Insurance
Service
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.
Accountability
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.
Security
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.

Why General Insurance Matters

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.

Who We Help

General insurance covers a relatively wide spectrum. We work with:

  • Trades and contractors
  • Professional services and consultants
  • Retailers, cafés, and hospitality
  • Transport and logistics
  • Manufacturing and industrial
  • IT and digital services
  • Commercial property owners
  • Landlords and homeowners
  • SMEs right through to larger organisations
happy-man-his-wife-having-meeting-with-financial-advisor-signing-agreement-office

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.

Essential General Insurance Products

There are a handful of insurance types that almost every business, big or small, needs to consider.

Public & Products Liability Insurance

If there’s one policy most businesses can’t afford to skip, it’s this one.
Public liability protects you if someone is injured or their property is damaged because of your work. Alternatively, product liability kicks in if something you sell, supply, or manufacture causes damage or injury. For a lot of industries, this cover is mandatory before you can even set foot on certain sites.

Professional Indemnity Insurance

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 & Commercial Contents Insurance

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.

Cyber Liability Insurance

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.

Business Interruption Insurance

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.

Commercial Motor & Fleet Insurance

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.

Industry-Specific Coverage

Some industries just have extra exposures. Thankfully, there’s tailored protection for them:

  • Contract works 
  • Management liability
  • Machinery breakdown
  • Marine transit
  • Employment practices liability
  • Trade credit
  • Strata insurance
  • Portable equipment and tools

What General Insurance Doesn’t Cover

It’s just as important to know what’s not included. Policies usually won’t cover:

  • Intentional or illegal acts
  • Undisclosed or known defects
  • Wear and tear
  • Contract penalties
  • Flood or weather events are not included in the policy
  • Gradual deterioration or poor maintenance

That’s why it’s essential to understand the fine print or have someone in your corner who does.

Why Choose CIG Insurance?

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. 

 

Speak with one of our brokers today.

Learn how CIG Insurance can protect your business

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