Commercial insurance
Experience you can rely on
Insurance is only as good as the advice behind it. At Steadfast NSG, our role goes well beyond finding you a policy — we assess your risks, place the right cover with the right insurer, and stay with you for the life of that cover. That means managing your account as your business changes, handling renewals, supporting you through claims, and offering premium funding to ease cash flow.
We've built our experience across a diverse range of industries — retail, manufacturing, primary production, transport, professional and sporting organisations, and the building industry with its many associated trades.
Our service doesn't stop once your policy is in place. We monitor and manage the day-to-day changes that come with running a business — increases in insured value, additional vehicles, newly acquired buildings, plant and equipment — and keep your cover current as your circumstances change.
Not sure what cover your business needs? Call us — we'll talk you through it.
Commercial insurance
Commercial insurance protects the physical assets your business relies on — your property, stock, equipment and vehicles — against loss or damage from events like fire, theft, breakdown or transit accidents. If something happens to your business, this is the cover that responds.
- Business property
- Business interruption and loss of rent
- Money
- Glass breakage
- Burglary
- Machinery breakdown
- Computer
- Goods in transit
- Contractors risk
- Motor, transport, trucks and trailers
- Earthmoving equipment
- Marine — commercial and pleasure craft
- Corporate travel
- Tax audit
Unexpected events can happen at any time, and even a short interruption can affect your income and cash flow. Without cover, replacing damaged stock, repairing machinery or covering lost income while you get back on track can be a significant financial burden. Commercial insurance means your outgoings can still be met, even when income stops.
Liability insurance
Liability insurance protects your business against claims made by someone else — a customer, employee, member of the public or regulator — who alleges your business caused them harm, loss or financial damage. If a claim is made against your business, this is the cover that responds.
- Public liability
- Products liability
- Professional indemnity
- Directors and officers
- Management liability
- Employment practices liability
- Product recall
Legal claims can arise from the most unexpected situations and defending them — regardless of whether they succeed — can be costly and time-consuming. Liability insurance protects your business, and in some cases your personal assets, from the financial impact of a claim, letting you focus on running your business rather than defending it.
Premium Funding
Insurance premiums don't have to be paid in one lump sum. Premium funding lets you spread the cost of your cover — including workers compensation — into simple, manageable monthly instalments, paid automatically from your nominated bank account.
For many businesses, cash flow is everything. Freeing up the capital that would otherwise sit in a single annual premium payment means you can put that money to work elsewhere, whether that's covering day-to-day costs or investing in growth. Our premium funding rates are competitive with other forms of finance, and funding through us can help you avoid the cost of an overdraft. Interest paid on commercial premium funding may also be tax-deductible — worth discussing with your accountant.
If you pay by credit card, your monthly instalments can even earn frequent flyer or reward points.
If you're already a Steadfast NSG client, speak with your account manager about setting up premium funding. New business enquiries are just as welcome — get in touch and we'll talk you through your options.