Business pack insurance is designed for small to medium sized businesses. This policy can be designed to group most if not all of your insurance needs into the one product. The main coverage options include Property, Theft, Machinery Breakdown and Liability cover, with a broad range of other options tailored to the specific needs of your business.
We provide an extensive range of business and office insurance options designed to protect your business in the event of a loss.
Some of the policy features include:
- Fire & Perils (Property)
- covers your business for damage to property, including building, contents (for example computers and electronic equipment) and stock (including customers goods) caused by certain defined events. In addition to fire, storm and malicious damage, other events which are covered include explosion, earthquake, wind and/or water and leakage of liquid.
- Business Interruption
- covers consequential loss of income from the interruption of or interference with the insured business, due to insured damage, including loss / reduction of profit, continuing expenses such as wages and rent, as well as the additional costs incurred in restarting the business (additional increased costs of working).
- Theft of insured property (including contents, stock and customers’ goods) contained on your business premises.
- cover for money on Business Premises, in Personal Custody, in a Safe or in Transit.
- Public & Products Liability
- covers amounts your business becomes legally liable to pay as compensation for personal injury and property damage to third parties as a result of an occurrence in connection with your business..
- Machinery Breakdown
- Damage to machinery caused by breakdown, or damage to boilers and pressure equipment caused by explosion and collapse. Refrigerated or frozen goods can also be covered against deterioration.
- Employee Dishonesty
- Fraud or dishonesty by your employees.
- Computers & Electronic Equipment
- Fire, theft, accidental damage, breakdown and business interruption cover for computers and electronic equipment.
- Breakage of internal and external glass and signs. Glass is covered against physical loss or damage arising out of any event other than those excluded by the policy.
- General Property
- General Property will provide cover for loss or damage arising from a sudden or unforeseen accident in respect of your Tools of Trade and Plant & Equipment. Primarily designed for property (excluding stock) which is moved around. Cover is provided Australia Wide.
- Tax Audit
- Costs incurred by your accountant or registered tax agent (after receiving notification from the Australian Taxation Office) in conducting an audit or investigation in relation to your liability to pay tax.
No matter the size or occupation of your Business or Office we can tailor an insurance policy to meet your requirements.