Owen Insurance Brokers Pty Ltd

General Insurance Broking

Owen Insurance Brokers Pty Limited

We specialise in small to medium sized businesses, retail shops, manufacturers, property owners, tradespeople, transport owner / operators, professional offices, builders, construction workers and earthmovers.

We offer tailor-made solutions for the insurance needs of our clients. We do this by providing advice on each client's business, assessing their particular risks and exposures and recommending specific insurance products to cover those risks.

Small Business Insurance

Small business owners need to rely on expert advice such as an accountant to handle their financials and taxation, or a solicitor for their legal affairs, to assist in running their business. So it makes sense to use the services of a licensed insurance broker to advise on business risks, which could disrupt or threaten the business continuity. All small businesses are exposed to business risk. But the type and degree of risk each business faces is unique.

To talk more about your individual needs as a business owner please contact our office today on (02) 9680 4644

Car Insurance

Comprehensive Insurance covers you for damage to your vehicle, as well as damage you may cause to another person's vehicle or property.

Third Party Property Damage Insurance protects you against claims for damage you may cause to another person's vehicle or property.

Third Party Property Damage Insurance plus Fire and Theft
All the benefits of third party property protection damage insurance, plus fire and theft cover on your vehicle for market value up to $5000.

To arrange an insurance policy for your vehicle or vehicles please contact our office today on (02) 9680 4644!

House Insurance

Home Building coverage includes the replacement or reinstatement of the home building & out buildings like garages or garden sheds, fences and gates, also other additional costs are covered such as removing debris after the loss, temporary accomodation costs whilst the rebuilding is undertaken and professional fees for redrawing of plans if necessary. The home owner needs to adequately estimate the cost of replacing their home building after taking those additional costs into account. This may be difficult as every home is different , brick constructed homes are more expensive to rebuild than hardiplank homes and fixtures & fittings can range in cost dependant on their quality. Professional builders or valuers can assist in giving you an accurate indication of what $ amount you should insure your home building for , this will ensure you dont fall short when you need full cover the most. We at Rose Stanton use quality insurers and superior broad coverage policies which do not apply underinsurance penalties , but they will not pay more than the amount you nominate to insure the building for so always consider your coverage needs carefully. Some of the perils that are covered are fire,storm & water damage, impact by vehicles of object including falling trees.

Home Contents coverage includes the replacement or reinstatement of you personal belongings , furniture & appliances, clothing etc. There are two types of coverages available Accidental Damage or Defined Events . Accidental Damage cover is broader as it covers breakage of contents and covers them away from the home address. Defined Events limits coverage to defined perils such as Fire, Storm & Water damage, Theft by forcible entry to the premises, coverage is limited to the home address. There are limits payable under both types of policies in relation to jewellery & valuables , fine arts,collections or curios & these items should be itemised & if they are not adequately covered by the policy insured under a valuable items policy. Coverage also extends to fusion or burning out of motors in refrigerators or freezers & any subsequent food spoilage. Lighting strikes can damage electrical equipment like computers , fax machines & televisions. We recommend that all home owners complete an inventory of their contents & update it when they obtain more items and estimate the amount they insure their contents for full replacement value.

Valuable Items coverage includes cover for jewellery, watches , cameras & photographic equipment, silverware , gold , coin collections, antiques and curios. The cover is accidental loss or damage and is not restricted to the home address.

Personal Liability covers the legal liability of you and your family & pays for legal defence costs & awards made by Australian Courts. This cover is automatic when you insure either home building or contents.