What can insurance cover?
A business pack can be tailored to meet your specific risks and needs. Remember that it’s compulsory to have workers compensation insurance to protect your employees
Type of cover
Property and fire
Protects your building and contents such as tools, stock or other equipment against damage caused by events like fires, storms, explosion, falling trees or malicious damage.
Covers the costs of operating your business, like paying staff and covering bills while you recover and rebuild, if your premises are damaged or destroyed by an event such as fire.
Protects cars, trucks, buses, utes and other vehicles that you use in the day-to-day operations of your business.
Safeguards you and your business against expenses and legal costs if your website or point-of-sale system is hacked and your customers’ details are stolen.
Covers the cost of glass breakage, including shop front windows, display cabinets and signage.
Covers the cost of repairing key business machinery such as fridges, air conditioning or cash registers if they break down.
Public and product liability insurance
Protects your business against claims of negligence if a customer, supplier or member of the public is injured or their property is damaged while on your premises, or by a product that you sell.
Protects your business if someone breaks into your premises and steals equipment or stock. This cover may also include money from stolen from your property.
Covers the cost of your employees’ wages, rehabilitation and medication if they become injured or sick through their work.