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Specialised Insurance

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Specialised Insurance are insurance products made for business risks that are not usually handled by standard insurance policies. These risks are often industry-specific, technical, or tied to changing technology, contracts, or global operations.

Whether you are dealing with cyber threats, ATO audits, goods in transit, or employees working overseas, there are specific insurance options to help cover the costs and reduce business disruption.

At Bluewell we help Australian businesses choose the right specialised cover for their needs. These policies can be added to your Business Pack or set up separately, depending on your risks.

Types of Specialised Insurance

Here are five examples of important specialised insurance options for growing and established businesses. Speak to your broker for a full range of risk solutions available.

Cyber Insurance Cover

Cyber Insurance

Protects businesses from financial loss caused by cyberattacks, data breaches, hacking, and privacy violations. Bluewell provides tailored protection.

tax audit insurance cover

Tax Audit Insurance

Covers accountant fees, legal costs, and expenses arising from unexpected tax audits. Bluewell helps businesses prepare and protect against costly ATO investigations.

Contract Works Insurance

Contract Works Insurance protects construction projects against damage, loss, or delays during building. Bluewell ensures your site and materials stay covered.

Marine Insurance

Protects maritime businesses and assets from unique operational risks. Bluewell provides specialised marine insurance for vessels and operations.

business travel insurance

Corporate Travel

Protects employees during business trips against illness, accidents and travel disruptions. Bluewell offers comprehensive corporate travel coverage.

Why Specialised Insurance Matters

Not every business fits inside the same insurance box. Some industries face challenges that standard insurance does not cover. Specialised policies fill those gaps.

You may need this type of cover if:

  • You handle sensitive customer data
  • You are at risk of a tax audit or investigation
  • You ship goods across Australia or overseas
  • You manage work sites or building contracts
  • Your team travels interstate or internationally for work

Having the right cover in place means fewer surprises when things go wrong.

Frequently Asked Questions

Some covers, like Employee Dishonesty or Tax Audit, can be added to a Business Pack. Others, like Marine or Contract Works, are usually set up as stand-alone policies. We will help you find the best fit. Also something to consider is the price, it may be more competitive to hold policies separately, rather than with the same insurer.

If you are concerned about loss of goods in transit, regardless of distance, cargo insurance might be worth considering.

Corporate Travel Insurance is made for business use. It often includes extra cover for equipment, meetings, and business-specific delays. It also covers multiple staff under one policy. You should consider all policy documents and conditions for a better comparison.

Cyber threats are growing fast. Even small businesses can be targeted. Phishing scams, ransomware, and data leaks are some of the most common attacks we see.

It pays for the professional fees your accountant charges to respond to an audit or review. This includes gathering documents, working with the ATO, and checking past lodgements. It does not cover any costs associated with the outcome of the audit, simply the professional fees to have it processed.

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