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How to Choose the Right Business Expense Insurance Provider


QUEENSLAND, Australia July, 2012 – Most entrepreneurs and self-employed Aussies protect themselves from general threats to their business in areas such as customers, suppliers and competitors – potential threats that every business owner is aware of. But many also make one common mistake – failing to protect their business and their income from the unseen threats.

They work hard, day in and day out, to grow their business, putting in years of blood, sweat and tears to build their business from the ground up but they forget to protect their business from themselves. If they were to suffer from an illness or injury that renders them unable to work in the business then who would take over? This one simple mistake is simple and easy to fix – yet if it remains unaddressed, could be the demise of the entrepreneur’s little empire.

Steve Culpitt, Financial Adviser and Administrator of Arrow Insurance Consultant Services Pty Ltd says, “Business expense insurance covers the expenses of the business if the business owner is unable to work due to sickness or injury. The insurance company will cover the regular fixed operating expenses and pay for the cost of running the business during the period when they are unable to work. This includes rent, wages and salaries, equipment maintenance, interest payments, utilities, rental, lease or depreciation of office equipment. Essentially, this keeps the business going while they are recovering from the illness or injury.”

Whilst insurance can’t prevent serious illnesses and injury from happening, it can protect you and your business from the adverse financial effects that comes with these unfortunate circumstances. The business expense insurance premiums are tax deductible when used to protect assessable income but the cover must be chosen carefully. Many insurance companies will state that they provide the best cover at the best value for money but they don’t really have a clue what the business owner actually needs. Steve Culpitt at Arrow Insurance provides business expense insurance advice by directing entrepreneurs to the best possible insurance provider that will meet their specific needs and objectives.

“At Arrow Insurance, our mission is to provide leading quality risk and financial advice,” says Steve, who has over 30 years of experience in the financial services industry. “We help our clients find the right business insurance policy and match it with the insurance company that can meet their needs. We protect our clients and their business and everyone who depends on them by helping to find the insurance company of their choice that can and will provide them with income protection and business expense insurance.”

Arrow Insurance was established in 1999 to provide advice and appropriate insurance solutions for both businesses and individuals. Their main focus is to assist clients with wealth creation and insurance services including business expense insurance, life and accident insurance, and superannuation made simple. Arrow Insurance consultants identify ever-changing financial goals and objectives, and then offer tailored, strategic solutions. Business owners who want to secure their future are welcome to explore insurance options and consultant services at


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