Insurance Packages for Australian SMEs
Business Insurance
Protect your business from the unexpected with flexible, all-in-one insurance solutions tailored to your needs.
Whether you operate a retail shop, run a small warehouse, or manage a growing office-based business, a Business Insurance Package (also known as a Business Pack) allows you to combine multiple essential covers under a single policy.
These packages are designed to protect your assets, liabilities, income and more-all in one manageable policy.
Explore the key sections of cover below:
Property Insurance
Covers physical loss or damage to your buildings, contents, stock, and equipment due to fire, storm, theft, malicious damage and other insured events.
Common inclusions:
- Buildings (owned by you)
- Business contents and fit-outs
- Stock and inventory
- Fixtures and fittings
- Accidental damage extension
Public & Products Liability
Provides cover if your business is found liable for causing injury or property damage to third parties.
Key features:
- Public liability - e.g. slips, trips and falls
- Product liability - if your goods cause harm
- Legal defence costs
- Optional cover for tenants’ liability (e.g. damage to rented premises)
Glass Breakage
Cover for internal or external glass (e.g. shopfronts, display cabinets, mirrors) that is accidentally broken.
Usually includes:
- Replacement of damaged glass
- Signwriting and tinting
- Temporary board-up and repairs
- Damage to window frames or surrounds
Machinery Breakdown
Covers sudden and unforeseen breakdown of plant and equipment critical to your operations.
Applies to:
- Coffee machines, compressors, fridges/freezers
- Air conditioners and cool rooms
- Boilers and production machinery
- Optional deterioration of stock due to machinery failure (e.g. food spoilage)
General Property (Portable Equipment)
Cover for tools and equipment taken off-site or used in the field.
Typical items:
- Laptops and mobile devices
- Hand or power tools
- Photography and surveying gear
- Equipment used while travelling
- Covers Australia-wide or worldwide (depending on the insurer)
Employee Dishonesty
Protects against direct financial loss due to dishonest acts by employees such as theft, fraud, or embezzlement.
Highlights:
- Must be discovered during the policy period
- Can cover both money and stock
- Limits usually apply per loss or per employee
Business Interruption
Protects your income if your business is unable to trade due to an insured event, such as fire, storm or water damage.
May include cover for:
- Loss of gross profit or revenue
- Increased operating costs to stay open or relocate
- Payroll for key staff
- Claims preparation costs
- Prevention of access or utility outages (where caused by insured damage)
Money
Covers loss of business money while on your premises, in transit, or temporarily stored elsewhere.
Can include:
- Money on premises during or after business hours
- In a safe or strongroom
- In transit or with authorised employees
- At home of a director/employee
- Damage to safes or strongrooms
Electronic Equipment Breakdown
Protects sensitive electronics from mechanical or electrical failure.
Items may include:
- Point of Sale (POS) systems
- Computers and laptops
- Security and alarm systems
- Optional restoration of data and increased cost of working
Tax Audit
Covers the professional fees associated with responding to an official audit or investigation by the ATO or other government agencies.
Inclusions:
- Accountant’s, bookkeeper’s or tax agent’s fees
- Legal advice related to the audit
- Representation in dealings with government departments
Equipment Hire / Goods in Transit (Optional Add-ons)
Some business packs allow you to add cover for:
- Goods being transported within Australia
- Hired equipment used at events, work sites, etc.
- Inland transit for damage/loss to your goods during delivery
Theft
Protects against theft of your stock, contents or equipment following forced entry (or sometimes without, depending on your policy terms).
Options may include:
- Theft from the premises
- Theft without forcible entry
- Seasonal stock increases
- Damage to premises during theft
- Employee dishonesty (can also be a separate section)
Why Choose a Business Insurance Package?
Who Needs a Business Pack?
Business insurance packages are ideal for:
- Retailers and e-commerce stores
- Hospitality and food service operators
- Trades and contractors
- Office-based professionals
- Health and wellness providers
- Manufacturers and wholesalers
- Beauty salons and personal services
Get in touch
Ready to Protect Your Business?
Whether you're just starting out or looking to review your current cover, we can help you build the right business package policy.
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We offer wide range of other Insurance services.
Business Insurance
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FreightInsure
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Management Liability
Marine, Transport & Logistics Insurance
Plant & Equipment
Professional Indemnity
Rural & Farm Insurance
Strata Insurance
Workers Compensation