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Product and services

Business asset insurance solutions

Get covered for a range of business risks under one policy – with business asset insurance package arranged by Marsh.

Key product highlights

Material loss or damage

If a fire or storm damages your premises, this can help cover loss of or damage to your business assets – like buildings, contents and stock. Flood cover is typically excluded from standard products.


Does your business have physical premises? This can help cover the costs of replacing internal or external glass – such as a window with an advertising sign that is accidentally broken or damaged.


Theft may be calculated or petty. No matter the circumstance, it’s always a blow. This can help cover the loss of your contents and stock due to theft at your premises by forced entry.

General property

Your portable contents – or ‘general property’ – are the tools your business depends on. We can keep them covered for repair and replacement.


Does your business need physical cash on hand for cash transactions? It may be a necessity, but it can be a risk. This can help keep your business’s money safe while it’s on your premises or in transit.

Machinery breakdown

Even the most well-maintained equipment sometimes becomes faulty. This can help cover the mechanical breakdown of machinery equipment at your premises – like air-conditioning units and refrigeration equipment.

Electronic equipment

In today’s world, every business relies on technology. This can help cover the breakdown of electronic equipment at your premises – such as computers, photocopiers, POS – to keep your business humming.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. An experienced broker will spot your unique set of risks, match you to the right choice, and advocate for you on price.

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Quick and simple process

You can easily request a business asset protection quote and coverage via our user-friendly online platform. We’ll get back to you with options tailored to your requirements as quickly as we can, so you won’t need to spend too much time away from your business.

Award-winning expertise

The Australian Insurance Industry Awards has awarded Marsh the title of Large Broking Company of the Year on multiple occasions.

Your money, your policy

Getting the most value is our priority. Whether you run a small business or a full-scale operation, we’ll tailor your policy to your needs.

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Motor trade insurance

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To help cover your property from damage and theft risks, Marsh also arranges studio and gym insurance solutions.

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Frequently asked questions

Business asset insurance can help provide financial protection for your business’s property – and not just your physical premises.

If your cash is stolen on the way to the bank, your window is broken overnight, or your machinery breaks down, this policy can cover the costs incurred. And that’s only at a glance.

We can help cover your contents – and the cost of repairing or replacing them. Get in touch with a Marsh representative if you’d like to learn more.

Typically, a business asset insurance package covers:

  • Material loss or damage

  • Glass

  • Theft

  • General property 

  • Money

  • Machinery breakdown

  • Electronic equipment.

One important exclusion under the business asset insurance package is business interruption. This policy can cover the costs of repair and replacement of your physical assets, but not the ramifications or disruption to the business that come about if they are compromised.

This isn’t the only exclusion, however. For a full list, please speak to your Marsh advisor.

No. You will need to consider purchasing workers compensation cover separately.

Most likely. Your operating licence should state whether you need public and product liability insurance.

Your suppliers and any third parties you do business with may require you to provide evidence of this insurance as part of various processes.

Those processes might be lease agreements, tender processes for contracts, or even credit line negotiations.

We strongly recommend considering it.

Why? Imagine an insurable event happens to your business. A fire, storm, theft or burglary. Would you still be able to pay rent, utilities, staff wages and operating costs?

If not, business interruption insurance can help cover you. It provides protection for loss of income and increased operational costs caused by an insured event.

The cost of your business asset insurance depends on a few factors. These can include the:

  • Size of your business and/or turnover

  • Size of your workforce

  • Type of business activities you carry out 

  • Assets you want to insure 

  • Location you operate from.

Your insurer will also consider your fire and security protections, plus any claims history if you’ve had insurance before.

You can also obtain quotes that have a higher excess amount. This can provide some premium savings.

Discuss all these factors in-depth with your Marsh advisor.

LCPA 23/154

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.