Our aim is to help ensure the success of your business, which you have worked so hard to build. And there are a few ways we can work with you to help achieve this, by: • Gaining a greater understanding of your business and its risks, • Providing expert advice on the type of risks that could impact your business, • Helping you to understand the many types of insurance covers and why your business may need these, and Ensuring business success

1. Business Interruption Insurance

2. Our aim is to help ensure the success of your business, which you have
worked so hard to build. And there are a few ways we can work with you to
help achieve this, by:
• Gaining a greater understanding of your business and its risks,
• Providing expert advice on the type of risks that could impact your
business,
• Helping you to understand the many types of insurance covers and why
your business may need these, and
Ensuring business success

3. It’s a sad fact that many small businesses fail after an unexpected event
because of inadequate insurance. Research has shown that 70%1 of
uninsured or under-insured businesses that incur a major insurable loss fail
within the following year.
From our experience, many business owners understand why they need the
basic insurances such as fire, burglary, glass, money and liability, but don’t
understand the need for other insurances such as business interruption (BI).
This is highlighted through the alarming statistic that only 31% of businesses
actually take BI insurance2.
The need for Business Interruption Insurance

4. Business Interruption Insurance is a bit like personal accident cover for your
business. After a major loss, not only does it cover your net profit and
business drawings, it will help you meet ongoing business expenses, such as
ensuring everyone’s salaries are paid and business loans repayments are
met. It also covers additional expenses incurred to maintain turnover which
could include providing funds for the cost of alternative premises or even
paying for advertising to announce the recommencement of your business.
It covers all this and is a relative inexpensive form of insurance, so why
wouldn’t you want to ensure your business is covered. Without it, a business
actually has less than a one in 10 chance of survival following a major loss3.
We welcome the opportunity to assess your business risks and discuss your
insurance needs with you.
Protecting your business
1 Insurance Council of Australia
2 Cameron Research
3 Allan Manning, LMI Group

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6. Contact Us
Phone +61 1300 739 861
Fax +61 1300 732 225
Hours 9.00am to 5.00pm (EST)
Monday – Friday
Email service@optimuminsurance.com.au
Website www.optimuminsurance.com.au
Presentation Disclaimer –– “This material contains general information only and may not suit your
particular circumstances. To decide if a policy is right for you please carefully read the relevant Product
Disclosure Statement (PDS) and/or Policy wording. A copy of the PDS or policy wording is available by
contacting our office on 1300 739 861;”
Disclosure Statement – “Optimum Insurance Services Pty Ltd is a Corporate Authorised
Representative of Insurance Advisernet Australia Pty Ltd (Car No. 291220), Australian Financial Services
Licence No 240549, ABN 15 003 886 687.”