Aether Insurance & Risk Pty Ltd


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Aether Insurance & Risk | Business Insurance Newcastle and Kilaben Bay | Insurance Advisernet

Aether Insurance & Risk is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Being an Insurance Adviser in Newcastle and Kilaben Bay our knowledge of the local insurance industry is second to none and our experience in handling insurance for many thousands of customers enables us to provide advice you can always trust. It also means you'll benefit from access to unrivalled financial strength, business efficiencies and buying power spanning every major insurer in Australia and New Zealand and access to major overseas insurers if and when required. We specialise in Business Insurance Newcastle and Professional Indemnity Insurance as well as a broad range of insurance products.


As your appointed General Insurance Adviser, we will:
  • Conduct an analysis of your risk/needs and recommend the most appropriate covers to protect your assets and liabilities
  • Provide alternatives on your risk retention through various excess options
  • Allow you to pay premiums in monthly instalments
  • Recommend the appropriate insurer to match the risk
  • Provide prompt and timely servicing of your general insurance needs to ensure you are adequately informed of issues that may affect your business.
  • Only recommend financially secure and stable insurers

PO Box 486, Warners Bay, NSW, 2282

Our Team:

Insurance Expertise

Business Insurance Newcastle and Kilaben Bay

Business insurance protects your company from any potential losses or unexpected events that occur during business hours. There are a range of insurance options for different businesses that include coverage for property damage, legal liability and employee related risks. In order to select the right insurance cover for your business, factors such as the type of business, business location amongst others need to be considered to find the most comprehensive option. Depending on your concerns for your business, incidents such as theft, machinery breakdown, valuables, public liability or even deterioration of stock are available policy options. One of the most important types of insurance covers to have for your business is public liability, particularly if your business does not have a premise and consists of delivering services to customers. The reason for this, is that public liability insurance covers your business if a third party is found to have injured themselves at your business or as a result your business activities. Costs such as medical bills, legal representation and damages can be compensated to a maximum limit. Without the correct business insurance, businesses can suffer from severe financial, legal and managerial issues. These issues can result in crises interrupting regular business flow and potentially impacting the business long term.

Professional Indemnity Insurance Newcastle and Kilaben Bay

Working in a profession where you are required to provide information or advice poses a high risk of giving false or incorrect information to your clients. There are a few precautions you can take to protect yourself, your business and your income. Professional indemnity insurance is one of the best covers you could invest for long-term protection. There are a range of industries that are eligible and are recommended to purchase professional indemnity insurance such as professionals who work in the media, real estate, charity groups and even leisure professionals. Professional indemnity insurance is the insurance type that is designed to specifically protect you and your business from any claim made against you from a client claiming negligence, misconduct or breach of duty. These claims can often quickly become a legal issue which then can be very costly and results in a financial loss for your business. Every industry has a unique set of risks to their business therefore, there are unique insurance plans to diminish the risks associated with them. Professionals such as accountants will require professional indemnity insurance as it will protect them from any risks such as damages to a third parties from any breach of professional duty. Real estate professionals are required to have the professional indemnity insurance in order to protect them if they were to provide any misleading or false information to clients that lead to emotional, physical or financial losses. Owning a business is a challenging task, therefore protecting yourself, your business and your income from any financial or legal losses professional indemnity is the best insurance.

PO Box 486, Warners Bay, NSW, 2282

Easy-to-use online portal that's available 24/7 from your mobile or desktop.


Download by clicking on your preferred app provider below. Don't forget to insert your branch code when prompted!

My Branch code: 700

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Insurance Types

Builders Warranty Insurance

Today licensed builders needs Builders’ Warranty Insurance for some, if not all residential jobs. Generally, a Builders’ Warranty Insurance certificate must be submitted before any work can begin.

SME Business Insurance Pack

Business Insurance is used by many businesses, but it’s best suited to SME-type operators.

Business Interruption Insurance

From your family and employees to customers and suppliers, there are a lot of people who depend on your business opening its doors each day.

Contract Works Insurance

Contract Works Insurance provides cover for any physical damage of works or third party liabilities during construction stages of a project.

Cyber Insurance

Technology has never been so deeply entwined in our businesses. While it delivers significant efficiencies and convenience, it also comes with significant cyber risks.

Directors & Officers/Management Liability Insurance

Many small and medium-sized business owners think they don’t need Directors & Officers (D&O) Insurance as it’s only relevant to large multi-national companies. However, D&O insurance is just as important to SME’s as any other business.

Home Insurance

For most people, the family home is the largest asset they’ll ever own. This means it is essential to protect it, inside and out, with the right insurance cover. After all, no one wants to discover they’re inadequately insured when it’s too late.

Liability Insurance

Despite the very best of intentions, accidents can still happen in any business. Public and Product Liability Insurance  protects you against claims for personal injury or damage to a third party.

Marine & Hull Insurance

Do you operate a marine business and/or transport goods? Marine Insurance is designed to provide peace of mind when you have a ship or vessel that requires insurance, or you are moving cargo across sea, land or air.

Motor Insurance / Commercial / Heavy Motor Insurance

Policy provides coverage for physical loss, damage or theft to your vehicle. It can be extended to cover Loss Damage or injury to a third party.

Plant & Equipment Insurance

Plant & Equipment Insurance is important for a wide variety of businesses that rely on mobile plant and equipment to continue their business activities. It protects the equipment itself, but also the liabilities associated with its use, from portable tools and the smallest of earthmoving machines, to forklifts and the largest of cranes.

Professional Indemnity Insurance

Professional Indemnity (PI) Insurance isn’t just limited to typical ‘professions’ such as accountants, engineers, lawyers, doctors and architects. Essentially, anybody providing advice or consultancy services for a fee has an exposure that needs to be considered.

Property Insurance

Cover for loss or damage to your physical business assets in the event of an incident occurring.

Social Engineering Fraud

Social Engineering Fraud (SEF) is when a fraudster gains the trust of an individual, usually within a role of influence within a business, and ‘tricks’ them into sharing confidential information or even transferring funds directly to the criminal.

Strata Insurance

Every owners’ corporation (also known as the body corporate) is obliged to take out Strata Insurance to cover the building, common property and common area contents of a strata scheme. Insurance is available for both residential strata and commercial strata properties.

Workers’ Compensation

While some occupations and industries have a higher risk of workplace incidents and/or fatalities than others, Workers’ Compensation is compulsory for all Australian employers. It provides financial compensation to workers if they suffer a work-related injury or illness.

Easy-to-use online portal that’s available 24/7 from your mobile or desktop.


Download by clicking on your preferred app provider below. Don’t forget to insert your branch code when prompted!

My Branch code: 700

portal_hero Google_play aap-download

Superior Life Insurance you can trust. It's Quick and Smart.