Business Insurance Pack 

Public Liability Insurance, included under our Public and Products Liability Insurance, is automatically included with every Business Insurance Pack when quoting online. For a quote without Public Liability cover, contact our specialist Australian-based Business team on 1300 131 000.

Public and Products Liability covers:

• Costs you’re legally liable to pay as a result of injury to members of the general public at your business premises or in relation to your business activity.
• Costs you’re liable to pay associated with damage to someone else’s property, whether a physical premises (such as a building) or an item they own.
• Other third-party expenses such as legal fees.

Can help cover your costs if your business car or vehicle is in a road accident.

Key features:

• A choice of three levels of cover: Comprehensive, Fire and Theft, or Third Party Property Damage only.
• Up to $30 million (excluding dangerous goods) for amounts which you become legally liable to pay as compensation for loss or damage to a third party’s property caused by a vehicle accident which is partly or fully your fault.
• Replacement or repair of your business car or vehicle if it suffers loss or damage as a result of specified events (not applicable to Third Party Property Damage only).
• Insure up to two vehicles online, or up to 20 vehicles when you call us on  1300 131 000.

Cover for portable property insured, such as your stock or hand tools in the event of accidental damage and theft from a break-in.

Key features:

• We’ll repair or replace the damaged item. 
• Worldwide cover (unless otherwise noted).
• Cover for unspecified items – up to $2,500 for any one item, subject to the maximum sum insured for all items in any one event.
• Theft cover for third-party property in your custody or control – up to $2,000 per period of insurance.

Covers you for accidental damage to your property insured, such as your business premises, contents and stock at the insured location from unexpected insured events like a storm, fire or vandalism.

Key features:

• Cover to replace or repair your business stock, contents and premises up to the sum insured.
• Cover for up to $15,000 per event or $5,000 per person for accidental damage to employees’ and directors’ personal property at the insured situation. 
• Other costs such as demolition and debris removal, temporary repairs and firefighting and local authority fees associated with permit and approval charges. 

Helps to cover your lost income, profits or turnover as a result of interruption to your business caused by insured unforeseen defined events, such as a fire.

Key features:

• A choice of which part of your business shortfalls to cover: weekly income, business turnover, or loss of gross profits.
• Temporary cover for any additional premises that you acquire within Australia to operate your business, provided we’re notified of the use or acquisition within 30 days.

Note: In order to add Business Interruption Insurance to your Business Insurance Pack, you’ll need to buy Commercial Property cover.

Cover for a reduction in business turnover is available to purchase online. To cover weekly income or loss of gross profit call us on 1300 131 000.

Cover for the repair or replacement of glass accidentally broken at your business premises, including up to $1,000 for stock damaged by the broken glass.

Key features:

• Internal glass, showcases and other fixed internal glass.
• External glass windows, doors, showcases or skylights forming part of the building.
• Cover for breakage of illuminated or advertising signs up to $2,500 per period of insurance.
• Cover for the cost of temporary repairs, including shutter installation and employment of watchmen or guards.

Covers property insured such as your stock or equipment for loss caused by theft if there is visible or forced entry to your business premises.

Key features:

• We’ll repair or replace, or pay you the sum insured for, the stolen item.
• Repair of damage to your building (up to $10,000) that occurs during the theft e.g. replacement of locks.
• The cost of temporary protection and guards up to $5,000 per event.
• Up to a 50% increase in cover for stock during seasonal increase periods.

Note: In order to add Theft section to your Business Insurance Pack, you’ll need to buy Commercial Property cover.

Covers the replacement of money stolen from your business premises during business hours, or outside business hours, while locked in a safe or strongroom, in transit or in your custody at a private residence.

Key features:

• Money lost due to accidental loss, destruction or theft, fraud or dishonesty by employees up to $1,000 per period of insurance.
• Up to a 50% increase in money cover during seasonal increase periods.

Note: In order to add the Money cover to your Business Insurance Pack, you’ll need to buy Commercial Property cover.

Helps cover the cost of repair or replacement of insured property, such as stock, that is damaged due to a specified event during transit anywhere in Australia.

Three levels of cover to choose from:

• Fire, collision and overturning
• Fire, collision, overturning and theft
• All Risks not excluded (our broadest Goods In Transit cover)

Contains four covers to choose from, insuring your business against:
 

• Claims of wrongful acts by you, your company directors or management (Directors and Officers Liability) fines and penalties Up to $250,000 cover in the aggregate per period of insurance for limited types of fines and penalties imposed on you or the insured person
• Claims of employment practises breaches, such as wrongful dismissal or discrimination (Employment Practises Liability)
• Theft of property by employees (Crime)
• Fees incurred if your tax returns are audited (Tax Audit)

Note: Tax audit is only offered online. If you wish to be covered for Directors and Officers Liability, Employment Practises Liability or Crime, contact our Australian-based Business specialist team on 1300 131 000.

Covers the cost to repair or replace electronic equipment at your business premises, such as computers, in case of certain types of breakdown.

Key features:

• Cost to either repair or replace your electronic equipment following a breakdown.
• Costs toward the hire of temporary equipment while yours is being repaired.
• Options to purchase additional cover for restoring data, or for the increased costs of working due to disruption, following a breakdown.

Note: In order to add Electronic Equipment, cover to your Business Insurance Pack, you’ll need to buy Commercial Property cover.

Covers the cost of repair or replacement of your business machinery if it suffers certain types of breakdown.

Key features:

• Cover available for a range of electrical and mechanical machinery, pressure vessels and pressure pipe systems. For example, ovens, air conditioners and boilers.
• Costs toward the hire of temporary machinery while yours is being repaired.