Growing a business is exciting—but it comes with new risks. More employees, equipment, and clients mean more exposure to accidents, claims, or financial loss. The right insurance protects your business while helping it scale confidently.

Here are the key insurance types every growing business should consider:

Covers your office, equipment, stock, and other assets against loss, theft, or damage.

Tip: Update your coverage as your assets grow.

Covers legal costs and compensation if someone is injured or their property is damaged because of your business. As client interactions increase, so does the risk of accidents.

Example: A customer trips over equipment at your site—public liability insurance covers legal fees and compensation.

Covers lost income and ongoing expenses if an unexpected insured event—like fire or storm—halts operations.

Covers vehicles used for deliveries, service calls, or staff transport against accidents, theft, and damage.

Protects your business if a mistake or negligence in your advice, design, or service causes a client financial loss.

Example: A consulting error causes a client to lose money—insurance covers defence and settlement costs.

Covers data breaches, ransomware, and other online threats—essential for businesses handling client information digitally.

In Queensland, workers' compensation through Work Cover is mandatory for all employers. This coverage protects employees injured at work. Contact Work Cover Queensland at 1300 362 128 or visit worksafe.qld.gov.au to arrange.

Growing a business is rewarding—but risks grow with it. Having the right insurance protects your employees, clients, and assets while allowing your business to expand confidently.

Gardian Insurance Brokers in Mackay can help you identify the coverage your growing business needs.

Contact us today for a tailored insurance review.