Business Insurance

What is Business Insurance?

Business insurance or more popularly know as Business Pack in the industry is a broad coverage policy which can include various sections that cover different risk allowing someone to neatly package up their business insurances.

Depending on the insurance company the sections can vary but most will have the following sections:
  • Property
  • Business Interruption
  • Public Liability
  • Product Liability
  • Theft
  • Glass
  • Machinery Breakdown
  • General Property
  • Tax Audit

Some also include Cyber Liability too. But if it sounds all complicated, worry not, our insurance nerds can explain. Feel free to ask us a question, we are more than happy to help.

Who needs Business Insurance?

Depending on how complex your insurance needs are different sections may be relevant to you. If you are just starting out for instance, you might only need the Public Liability Insurance section of the Business Insurance, perhaps a small amount of General Property cover that covers the loss or damage to your Tools of trade.

The Property Insurance risk exposure for small scale tradie/business that operates from home with not much stock at home other than what is usually in your van or a ute, may not be that much to be insured under Property Insurance section.

If however, any business that operates out of a factory, warehouse where they have a level of stock that needs protection will need property insurance.

There are other sections that may be relevant to you like protection against Business Interruption or Theft or Glass breakage etc.
If you are not sure what section is relevant to you, we are happy to answer any question.

How much does it cost?

Business Insurance costs depends on how complex your business is, how many coverage sections you take up, what insurers we select and occupation specifics factors.

Our insurance nerds can find a great product & pricing combo to sort it out for you so you can sort out your trade. Worry not, ask us a question.


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