What is Business Insurance?

Running a business is challenging and faces its own set of risks. It therefore becomes important to manage risk, reduce uncertainty and protect your livelihood. The last thing you want is the business keeping you awake at night.

Business Insurance provides a safety net for you, your employees and your business. It can help protect the machinery and equipment you need to continue your business. Business Insurance cover will provide financial assistance in case your business is unable to function because of an unexcepted fire, flood or natural disaster.

You can choose from a wide range of insurance cover tailored for your business.


Cover at a glance:

Reinstatement Plus cover

Whether you suffer a partial or a total loss, this cover provides a safety net on top of your

sum insured.

Replacement cost

A safety net, there to make sure you’re not out of pocket if damage is more than what you’re insured for.

Business Interruption

We will cover you for loss of income or loss of rent following an interruption to your business form an insured loss (conditions apply).

Patient Records

If patient records are lost, destroyed or damaged, you will be reinstated for rewriting of records.


Cover for attempted or actual burglary from your premises. Note: policy does not provide theft cover

Employee Dishonesty

Loss due to fraud or dishonesty by an employee.

Equipment Breakdown

Breakdown of electrical and electronic equipment.


Damage to glass on the businesses premises.


Cover for accidental loss or damage to your buildings, contents, stock, landscaping and client’s goods.

Up to $20 million cover for liability

We have Public Liability, Professional Indemnity and Products Liability covers available.

Pay by the month at no extra cost

We make it easier to manage your budgets by offering monthly instalments at no extra cost.

Payment of legal fees

Guild can pay up to $100,000 for legal costs and expenses in connection with the business such as

coronial, criminal and disciplinary matters.

Free legal advice

You’ll have access to two hours free legal advice for employment related issues even if you

don’t make a claim.


Related products

Why Guild Insurance?

For over 50 years, our customers have continued to be central to everything we do.

Better protection through experience.