Business Insurance
Ensure Your Business and Loved Ones Are Protected With the Right Insurance
Start your insurance plan today by calling 03 9191 8808
Businesses of all sizes, across a wide range of industries, face similar challenges when the unexpected happens.
An accident, illness, or loss of life can affect more than just your work or livelihood. At Panorama Financial Services, we take a considered approach to business insurance, offering tailored advice and cover options to help protect you and the people who matter most.
Business insurance may help protect against:
- Loss of income due to illness or injury
- Financial strain if a key person is unable to work
- Disruption to business ownership following death or permanent disability
- Funding the transfer of business ownership between partners
We've got you covered in the following areas
Buy Sell Insurance
Insurance secures funds to buy out a partner in the event of death or disability, ensuring your spouse retains business equity and easing your partner’s financial burden, enabling seamless business operations.
Key Person Insurance
We understand your hard work in building a strong business. If something unexpected happens to you, the business could suffer. Key person cover provides funds for cash flow and temporary role replacement during your recovery.
Business Protection & Risk Management
This policy eliminates debt and bills during your inability to work. Income protection pays an individual, while Business Expenses benefit the business monthly instead of a lump sum.
Business Risk Insurance
Business risk insurance helps protect your business from financial disruption if unexpected events impact income, key people, or ownership, supporting continuity and stability during periods of uncertainty.
Business Succession Planning
Plan for the future of your business with structured succession planning designed to support continuity, ownership transition, and long-term stability.
26%
of family-owned businesses have a written succession plan 4
44%
of businesses have a Buy/Sell Agreement 5
25%
of business owners are funded with Life Insurance 6
We strive to support business owners and give them the confidence to handle unexpected challenges in their professional journey. Our commitment to long-term partnerships drives our all-inclusive approach, where we identify risks and plan for not only the present but also for many years to come. With over 40 years of combined industry experience, our advisors are trusted by businesses throughout the country to develop, implement, and review policies that provide certainty in the face of unanticipated financial strain.
As your preferred insurance advisor, you can count on us to take care of all of the heavy lifting when it comes to setting up your policy. We liaise directly with your employees, gather and organise all required documentation, and design a tailored plan that aligns with your budget, goals, and long-term objectives. This hands-on approach allows you to focus on running your business, knowing your insurance needs are being managed with care and precision. As business insurance specialists, our flexible team can also assess existing coverage and make adjustments to ensure it continues to reflect the current standing and direction of your business. Our advice is always guided by your best interests, never by a one-size-fits-all solution.
We find it important to make a positive contribution to our community, which is why we also offer services to SME’s, self-employed, trade, and other small business structures. An essential component of the local entrepreneurial community, Panorama Financial Services acts like a guardian, helping you feel prepared for any curveball that may appear, no matter what your day-to-day looks like. Interested in learning more about how Panorama Financial Services can assist you? Reach out to one of our friendly team members to find out what type of business insurance may be applicable to you today.
Who we help
How our process works
1. Discovery & risk identification
We take the time to understand your business structure and your personal priorities. This allows us to identify potential risks to business continuity, income, ownership, and the people who depend on you.
2. Strategy & implementation
We provide clear, tailored insurance advice to protect your business and dependents, while taking ownership of the entire application process.
3. Ongoing review & support
As your circumstances change, we review your cover to make sure it still suits your business needs and that you’re not paying for cover you no longer need.
BUSINESS INSURANCE
Your business insurance experts
We take the time to understand how your business operates, where the financial pressure points are, and what would be most impacted if something unexpected happened. This allows us to recommend cover that protects income, ownership, and continuity in a way that actually makes sense for your business.
What sets us apart is our level of involvement. We structure policies carefully from the start and stay across your cover as your business evolves, ensuring it remains appropriate and cost-effective. If you ever need to make a claim, we step in and manage the process on your behalf, so you’re not dealing with insurers, paperwork, and decisions during an already difficult time. Our role is to reduce risk, remove uncertainty, and support you when it matters most.
Meet the team
With over 40 years of combined experience, our industry-recognised professionals are here to ensure financial security and peace of mind for families, individuals and businesses.
Mark Crowe
Director
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Thuy Nguyen
Adviser
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Liana Bui
Service Manager
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Testimonials
Life is too short to be caught up in the paperwork. Let us help!
We’ll bring the conversation to you if you if you would prefer to meet you online. Let’s start the conversation to get to know you, where are you at now and can we help you with your insurance and superannuation solutions.
Have more questions?
We’re here to help you protect what matters most.
Whether you’re planning for your family, your future, or your business, our team listens, simplifies, and guides you every step of the way.
Reach out and let’s build your peace of mind together.
Case studies
Our case studies show how practical, tailored advice helps navigate complex financial and insurance decisions in real-world situations.
Sheen Panel Service
Sheen Panel Service is Victoria's leading smash repairer, operating 27 panel shops across the state as well as three…
Our Insurance Partners
We do all the hard work, running around talking with these insurance partners to come up with the best deal for you.
We are big believers in giving back
We love team sport. It teaches you so much about life and in many ways prepares you for business. Learning about goal setting, working as a team, working with other people, how to handle success and how to handle failure. Some of the charities community groups we give back to:
Frequently asked questions
Explore the answers to some common questions about our Business Insurance services
Choosing the right business insurance starts with understanding the risks your business faces and what would have the biggest impact if something unexpected happened. For some businesses, that might be a loss of income if a key person becomes ill or injured. We sit down with you to identify these risks, recommend appropriate cover, and review it over time to make sure it still fits your business and that you’re not paying for cover you no longer need.
Yes, and often more than they realise. When income or operations depend on a small number of people, even a short disruption can have a big impact. Insurance can help ease financial pressure during these moments and give you time to adjust. The right cover will vary, but having appropriate protection in place can help look after what you’ve built and the people behind it.
Public liability insurance is focused on protecting you if someone outside your business is injured or their property is damaged as a result of your work. Other types of business insurance look inward, helping protect income, ownership, or the people your business depends on. Each type serves a different purpose, which is why it’s important to understand which risks are relevant to you.
You can certainly get started online by reaching out through our website. From there, we’ll usually follow up with a phone call to talk through the details. That conversation helps us understand how things work day to day and make sure nothing important is missed. It also gives you the chance to ask questions and feel confident about what’s being put in place.
Absolutely. We don’t just help set up your insurance and step away. We support you through the entire claims process, understanding the stress an unexpected event can place on both the business and the people involved. That’s why we take a hands-on approach to minimise disruption as much as possible. From liaising with insurers, doctors, and employees, we help keep things moving and work to resolve the claim as smoothly and quickly as we can.
Yes, absolutely, many people come to us with insurance already in place. We can review your existing policies to help you understand what you’re covered for and whether it still suits your situation today. This includes checking for gaps, overlaps, or cover you may no longer need. As things change over time, regular reviews can help ensure your insurance remains relevant and that you’re not paying for cover that no longer makes sense.
Book a time
We’re here to help you protect what matters most.
Whether you’re planning for your family, your future, or your business, our team listens, simplifies, and guides you every step of the way.
Reach out and let’s build your peace of mind together.