Business Pack
A business insurance pack provides cover for your business premises and contents, against loss, damage or theft as well as cover against any resulting financial loss from an insured interruption to the business.
The type of business insurance and the amount of cover you select will depend on the nature of your business and what areas you think are the riskiest for you. Pick and choose the right business insurance that will suit you the best.
What is typically covered by Business Insurance?
- Material damage loss for your physical assets
- Financial loss due to Business Interruption
What is typically not covered by Business Insurance?
- Negligence/breach of duty arising from an act, error, or omission because of your professional services.
- Standard policies typically do not cover flood damage.
- Known claims and circumstances.
Industries that may require Business Insurance
Small businesses in Australia, including personal trainers, IT specialists, coffee shop proprietors, cleaners, and reliable tradespeople, all contribute to the country’s economy. Running your own business always involves some risk, even though your daily operations may differ from others’. This is a brief overview of some common business types that can need business insurance.
- Accountants
- Allied Health Professionals
- Architects
- Bakers
- Bookkeepers & BAS Agents
- Butcher Shops
- Cabinet Makers
- Cafe
- Carpenters
- Car Wash and Auto Detailers
- Civil Engineers
- Cleaners
- Consultants
- Convenience Stores
- Disability Workers
- Dog Grooming
- Dog Walking
- Engineers
- Electricians
- Handyman
- Finance & Mortgage Brokers
- Furniture manufacturer
- Gift Shops
- Hair & Beauty Services
- IT Professionals
- Land Surveyors
- Landscapers
- Lawn Mowing Services
- Makeup Artists
- Manufacturing
- Marketing
- Martial Arts Teachers
- Massage & Alternative Therapies
- Migration Agents
- Mobile Food Vans
- Nurses
- Painters
- Personal Trainers
- Pet Professionals
- Pizza Shops
- Plasterers
- Plumbers
- Plumbers – VIC
- Professionals
- Project Managers
- Psychologists
- Real Estate Agents
- Recruitment Consultants
- Restaurants
- Retailers
- Social Workers
- Tax Agents
- Tradesmen
- Tutors
- Yoga Teachers
Get the right type of Business Insurance
Even though your company is seen as “small,” it matters a lot to you and us. We want to make sure you have the appropriate protection because of this. We provide a range of coverage options that suit different business needs.
Certain kinds of businesses might need business insurance, such as:
- It could be necessary for you to obtain your own public liability insurance before visiting a construction site.
- You might need to carry a certain amount of professional indemnity insurance if you work on contracts.
- If you are renting a space for your business, your landlord can insist that you obtain your own glass coverage and public liability insurance.