Credence Insurance

We are an insurance brokerage in Phillip, Canberra, helping business owners understand their commercial risks and manage their policies. A retailer, a professional services firm and an online business rely on different assets, relationships and systems. We start with these circumstances before discussing insurance choices.

Commercial insurance may be relevant to property damage, theft and interruption to trading. Policy wording, limits and excesses differ, so we help clients consider what a proposed arrangement is intended to cover and what may remain outside its scope.

Public liability involves possible injury or property damage affecting third parties. Business activities, customer interactions and working premises can all create exposures. We discuss those risks with clients rather than assuming a standard policy will suit every operation.

Companies that store customer records or depend on online payments may also need to consider cyber incidents. Data loss, interrupted systems and claims by other parties can have different implications. We encourage a careful review of what a cyber policy includes and excludes.

Our service includes managing policies and reviewing cover when operations change. A move to new premises, more staff or new equipment may affect existing insurance. If a claim arises, we assist with the steps and communication involved, while the insurer determines the outcome under the policy and facts.