Business PackagesWhat is Business Package Insurance?
A Business Package Insurance policy is a comprehensive solution designed to protect your business from a wide range of risks — from damage to property and equipment, to public liability and unexpected interruptions. It’s flexible and customizable, allowing you to select the coverage that matches your business’s unique needs.
Think of it as all-in-one protection, so you can focus on running your business while we handle the insurance details. Get a Quote |  |
Who Should Consider Business Insurance?
Business Package Insurance is ideal for business owners who want peace of mind. If you:
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Own commercial property or run a business with assets and equipment
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Interact with customers, suppliers, or the public regularly
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Want to protect your income from unexpected interruptions
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Need tailored insurance that grows with your business
…then a Business Package policy is a smart choice.
What can be covered?
Every business is different, so Business Package Insurance is highly customizable. Common covers include:
Comprehensive Property Coverage
Protect your premises, equipment, inventory, and other assets against fire, storm, accidental damage, and more.
Main Covers
Comprehensive Property CoverageProtect your premises, equipment, inventory, and other assets against fire, storm, accidental damage, and more. | Theft and BurglaryInsurance for losses resulting from theft, break-ins, or attempted theft. |
Public LiabilitySafeguard your business from claims arising from injury or property damage to third parties. | Business InterruptionCover loss of income and extra expenses caused by unexpected disruptions. |
General PropertyCovers portable tools, laptops, and equipment used outside the business premises. | Machinery BreakdownRepair or replacement costs for essential machinery and equipment. |
Glass BreakageCover for broken glass in windows, display cases, or other business premises. | MoneyProtection for cash on-site or in transit. |
Claims Examples
Here are some real-life scenarios where Business Package Insurance can make a difference:
Business Interruption - Storm DamageA café in Brisbane's inner suburbs suffered severe roof damage during a storm, forcing closure for 3 weeks during their peak winter breakfast trade. Their Business Interruption cover compensated them for lost revenue and ongoing wages, helping them retain staff and reopen without financial stress. |
Machinery Breakdown - Refrigeration FailureA butcher shop's main coolroom compressor failed on a Friday afternoon. The entire weekend's stock was at risk. Their Machinery Breakdown cover paid for emergency repairs, replacement equipment hire, and spoiled stock worth $18,000, allowing them to open as usual on Monday. |
Public Liability - Customer InjuryA retail store customer tripped on a temporarily uneven floor tile and fractured their wrist. The customer's medical expenses and legal costs totalled $45,000. Public Liability insurance covered the full claim and legal defence costs, protecting the business owner's personal assets. |
Other Covers to Consider
Management Liability
Protects directors, officers, and the business against employment practices claims, wrongful dismissal, and statutory liability.
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Cyber and Data Protection
Covers costs from cyber attacks, data breaches, and ransomware – including IT recovery, legal liability, and business interruption.
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Commercial Motor
Protects business vehicles and covers third-party damage when vehicles are used for work purposes. Essential if you own, lease, or have employees using vehicles for business activities.
Goods in Transit
Covers stock, products, and equipment while being transported. Standard business insurance only protects goods at your premises, not on the road.