The Really Covered Advantage for Your Business

With a heritage spanning over four and a half decades in the insurance industry, AB Phillips stands as a steadfast partner to Melbourne's businesses, now offering a complimentary insurance review as a special gesture of our enduring commitment to the community.

Since 1975, we have become a strong provider of insurance and risk management products, focusing on thorough coverage and complete protection. Our commitment to personal, tailored advice has always remained steadfast.

We are part of the AUB Group. We offer top-quality risk management solutions. We are Australia's largest network of advisors and insurance providers. This evolution reflects our dedication to safeguarding businesses with a deep understanding of their unique needs, ensuring they receive the most effective insurance protection and risk management advice.

Our experienced team ensures precise alignment of your coverage with your needs. This is not about one-size-fits-all; it's about crafting policies that truly safeguard your business. With AB Phillips, you're not just insured – you're really covered. 

The Importance of Tailored Public Liability Insurance

Tailored public liability insurance is vital to protect your business. AB Phillips knows that every company is different.  We make sure your insurance matches what you do.

This way, if an accident happens, you have the right level of coverage. It's about getting answers to those frequently asked questions and doing a thorough risk assessment. 

Professional Indemnity Insurance: Safeguarding Your Expertise

Professional Indemnity Insurance is essential—it steps in when the unexpected arises from the advice or services you provide. Should things veer off course, this insurance can shoulder the financial burden, managing legal liabilities and safeguarding your professional integrity.

At AB Phillips, we meticulously source the most suitable protection tailored to your unique needs. We act as your advocate, securing comprehensive cover from insurers, ensuring you have the confidence to perform your duties with less concern for the 'what-ifs'."

EPS and Coolstore Insurance

Do you have a cool room? You need the right insurance.

AB Phillips offers special policies for these. We collaborate with you to thoroughly insure your cool storage. You pay only for what you need, nothing more. With AB Phillips, you get the right cover, simple processes, and peace of mind. They take care of the details, so you can run your business without worry.

Comprehensive Risk Management

AB Phillips helps you minimise your risk but protecting you from insurable events. We help many businesses. Big or small, we have the insurance you need, and understand your business.

Public and Product Liability Insurance: A Dual Shield

Having both public and product liability insurance is smart. It means you're safe if someone gets hurt or something breaks because of your product. AB Phillips makes sure you have this double protection.

Real-Life Public/Product Liability Claim Resolution by AB Phillips

At AB Phillips, we're committed to providing not just insurance, but real solutions and peace of mind to our clients. In a recent instance involving a Public/Product Liability claim, our proactive approach and dedication to client service were once again demonstrated. 

Scenario Overview:

During the process of removing and installing a fire-damaged gas heater at a client's premises, an unfortunate incident occurred where the paving was accidentally damaged by trolley scuff marks. This situation highlights the unpredictable nature of accidents and the importance of having robust insurance coverage.

Efficient Claims Process:

Upon notification, the AB Phillips Claims Team took immediate action, coordinating with the client's insurer, Allianz. The claims process required:

·       A letter of demand, which could range from a simple email to a formal letter, indicating the third party's claim of liability against our insured and their desired resolution.

·       Photographic evidence of the damage.

·       The original work invoice detailing the tasks being carried out when the damage occurred.

With all necessary documentation provided by the insured, Allianz assessed the claim's validity based on the detailed facts and circumstances.

Resolution and Settlement:

Allianz conducted a thorough assessment, leading to a settlement offer that included the Applicable Excess. Following agreement on the offer and receipt of the Excess, the settlement was processed. Impressively, the payment was deposited into the insured's account within just 7 business days.

Why Choose AB Phillips for Your Insurance Needs:

This example underscores the importance of having a reliable and responsive insurance partner like AB Phillips. It's not just about the policy but also about how claims are handled – efficiently, empathetically, and effectively. With AB Phillips, you can be assured of receiving tailored insurance solutions and unparalleled support, ensuring your business is really covered in all eventualities.

Why Local Melbourne Businesses Should Get Really Covered

At AB Phillips, we champion the importance of enterprise risk management for Melbourne businesses, advising that commercial insurance in Australia requires regular review to match the evolving landscape of risks.

We help make sure your insurance coverage is the best fit for you by offering a free insurance check. This ensures you are protected from any unexpected events.

Our deep expertise in commercial insurance across Australia positions us uniquely to provide you with the assurance that you're 'really covered,' empowering you to operate with confidence, fully protected against the unexpected.

Let's Ensure You're Properly Protected

If you're a business owner in Melbourne, don't hesitate to reach out to AB Phillips. We're ready to provide you with a complimentary insurance review, tailored to your unique needs. With the right insurance in place, you can focus on your work without worry.