Business or Office Package Insurance

Safeguard your business premises, stock and equipment

A business takes years to build – but an accident or disaster could destroy it all in minutes. That’s why businesses should help protect themselves with a quality business insurance pack.

With the right cover in place, owners can run their business with confidence, knowing that their premises, stock and equipment are protected by insurance.

Who needs a Business Insurance Pack and why

Business owners can benefit from taking out an affordable and comprehensive business insurance pack to help protect them against the main risks involved in running a business.

"Business insurance can protect the equipment and machinery you need to stay in business. It can ensure that you, your employees and any members of the public with whom you interact in your business are protected from the risk you face as a business owner." - Understanding Insurance, Insurance Council of Australia

What a Business Insurance Pack can cover

Business insurance packs can offer general protection for a business, which may include cover against:

Type of cover	Potential benefits
Property damage	Repair or replacement of property damaged.
Business interruption	Covers loss of income and turnover following insured damage to property and additional costs and expenses incurred during a claim.
Theft	Repair or replacement of property stolen.
Money	Loss of money.
Public or products liability	Your liability to pay compensation for personal injury and property damage as well as the costs involved in defending a claim triggered by the policy.
Glass	For replacing glass inside or outside your premises, including your shopfront windows, mirrors or display cases.
Transit	For stock that is in transit on the road, in the air or by sea.
Electronic equipment breakdown	For repairing or replacing electronic equipment that breaks down.
Machinery breakdown	Cover for costs associated with machinery breakdown.
General property	To cover your tools of trade, including laptops and tools that you use for your profession or trade.
Tax audit	To cover the costs of being audited by the ATO.
Employee dishonesty	Direct financial loss of the business caused by the dishonest or fraudulent conduct of an employee which is first discovered during the period of insurance.