Covers your business assets and associated public liability.
Business Pack insurance provides a complete package for protecting your business, and lets you pick and choose the covers to suit your needs. This customisable business insurance provides a range of different insurance policies all under the one policy – making insurance simple.
No matter what business you’re in, Business Package Insurance can be tailored to suit you and your business’ needs.
Offering protection to your business premises for damage to buildings, contents and stock caused by theft, fire, perils and accidental damage. It can include:
The disruption to your business following a fire or other insured event can often have more serious financial implications for your business than the actual damage itself. For example, if you are unable to provide goods to your customers to fulfil orders, you pose the risk of damaging the relationship with that customer and losing their business.
Business interruption covers the shortfall in your gross profit caused by the interruption to your business after an insured event. It includes:
PUBLIC AND PRODUCTS LIABILITY
This covers your legal responsibility to pay compensation to third parties (not employees) for bodily injury or property damage arising out of your business’ activities and products. It includes:
The theft section protects your stock and contents as a result of theft following forcible and /or violent entry. Extra costs such as the cost of replacing locks & keys can also be insured. This section does not require you to insure the full amount of your contents or stock. It can include:
Cover for accidental breakage of internal and external glass and signs. Includes:
Insuring against the loss of property insured (including money) resulting from the fraudulent behaviour or conduct of your employees. Cover can include:
Provides cover against unforeseen and sudden physical loss or damage to the machinery caused by breakdown, or damage to boilers and pressure equipment caused by explosion and collapse. Added benefits include:
This policy provides cover for your electronic equipment that is vital to your business. Items can include smart phones, iPads, tablets, TVs, laptops, computers and servers, printers, digital cameras and the list can go on.
This cover is primarily designed for property (excluding stock) which is moved around, such as tools or professional equipment.
Provides cover in the event that the business receives a random audit from the Australian Tax Office. It covers the costs of professional fees incurred whilst preparing for the audit from accountants, lawyers, bookkeepers and any others advisors required, and other expenses incurred during the audit.
Please note: This is a general description of cover only – full details are set out in the Policy wording.