About Us

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Public Liability Insurance protects your business if you’re found legally responsible for injury to a third party or damage to their property. It’s essential cover for Australian businesses of all sizes, helping safeguard your reputation, finances, and day-to-day operations.

Products Liability Insurance provides protection if a product your business supplies or manufactures causes injury or damage. Whether you sell goods, equipment, or manufactured items, this cover ensures you’re protected against claims arising from faulty or unsafe products.

Having the right Business Insurance is essential to protect your livelihood and your team. The right general insurance cover helps reduce financial risk and gives you peace of mind knowing your business assets, equipment, income and legal liabilities are protected.

At Tempest Insurance Services, we help Australian businesses find tailored general business insurance solutions, ensuring you get the right protection at the right price. Whether you’re a small business, tradie, or growing enterprise, our experts make it easy to secure cover that fits your needs.

In today’s digital world, Cyber threats are growing faster than ever. With most business transactions now taking place online, companies face increasing risks from data breaches, ransomware, and other malicious attacks. 

Under Australia’s Privacy Act 1988 and the Notifiable Data Breaches (NDB) Scheme, businesses are legally required to notify affected parties when personal information is compromised, and the financial impact can be significant.

From business interruption and reputational damage to legal expenses and regulatory fines, the cost of a cyber incident can be devastating.

Professional Indemnity Insurance, including specialised Design & Construct cover for trades, protects your business against allegations of negligence, faulty design, wrongful advice, defamation, or intellectual property infringement.

This type of cover is essential for trades and building professionals such as builders, electricians, plumbers, carpenters, and architects who provide design or construction advice. 

It covers the cost of legal defence and any damages you may be required to pay, with insurers engaging expert legal advisers on your behalf.

As a business owner or company director, you can be held personally accountable for decisions or actions taken on behalf of your business. Beyond the stress and reputational impact, such claims can put your personal finances and family’s security at risk.

Management Liability Insurance provides protection against a wide range of risks, including indemnity for damages, legal defence costs, statutory or pecuniary fines, and work health and safety defence expenses. It also covers employee-related claims such as unfair dismissal, bullying, sexual harassment, and racial discrimination.

Operating a not-for-profit organisation doesn’t exempt you from potential legal and financial risks. Our Association Liability Insurance is specifically designed for Australian not-for-profit organisations, combining elements of management liability and professional indemnity insurance.

This cover protects your association against claims arising from misconduct, wrongful acts, breach of professional duty, employee-related issues, or fraud that results in a financial loss. It provides indemnity for damages, legal costs, and other expenses, helping your organisation operate with confidence and security.

 IT Liability Insurance is a specialised policy designed for technology businesses, protecting you and your company against legal claims arising from errors, omissions, or failure of your products or services, including wrongful advice.

This comprehensive cover combines professional indemnity, public liability, and products liability into a single tailored insurance solution. 

If your organisation’s assets are around $10 million or more, Industrial Special Risks (ISR) Insurance could be the ideal solution. ISR policies offer one of the broadest property coverages available, protecting against any cause of loss or damage not specifically excluded in the policy.

The policy has two key sections:

Material Damage – Covers physical assets including buildings, stock, plant, and machinery.
Business Interruption / Consequential Loss – Provides protection against financial losses resulting from disruption to your operations.
 

For businesses with high-value assets across one or multiple locations, ISR Insurance ensures comprehensive protection, giving you peace of mind and security for your operations.

Our Motor Fleet Insurance provides tailored cover for businesses managing multiple vehicles. Choose from comprehensive, third-party fire and theft, or third-party only cover for each vehicle in your fleet.

This policy protects your business against the financial risks and potential losses associated with commercial vehicle ownership and operation. With annual policies structured around a common renewal date, managing your fleet’s insurance is simple, efficient, and stress-free.

 Running a contracting business comes with unique risks, and our Plant & Equipment Insurance provides comprehensive protection so you can focus on managing your operations with confidence. 

This policy covers material damage, road risk liability, business interruption, and broadform legal liability for single items or an entire fleet of plant and equipment. 

 Designed specifically for the construction industry, Contract Works Insurance provides comprehensive protection for projects of all sizes. It covers material damage to formwork, hoardings, scaffolding, temporary buildings, testing and commissioning, off-site storage, and transit within Australia.

Our policies also include Public and Products Liability, protecting your business from legal claims during and after the project. Optional extensions can include contractual liability, coverage for weakening or removal of support, demolition, use of explosives, underground services, existing structures, extended resultant damage, faulty design or workmanship, and contract of sale protection.

   Transit Insurance provides comprehensive protection for goods in transit, whether moving from port to port, warehouse to warehouse, or from raw materials to finished products. Designed for businesses in the logistics and supply chain industries, this cover gives peace of mind by safeguarding your cargo against loss or damage during transit.

Policies can be tailored for domestic or international transit, including warehousing, storage, exhibitions, processing, or consolidation risks. For added convenience, coverage can be arranged as an annual policy or for single shipments, depending on your business needs.