Business Insurance
Practical protection for the assets, income and everyday risks behind your business.
Protect what keeps your business moving
A business can take years to build, yet an accident, theft or unexpected event can cause major disruption in a matter of moments. Business insurance brings key covers together in one flexible package, helping protect your premises, stock, equipment and ability to keep trading.
Who should consider it?
Business insurance may suit businesses of all sizes, from sole traders and retail stores to offices, workshops and growing commercial operations. The right package can be tailored around your industry, assets, activities and risk profile.
What can it cover?
Depending on the insurer, policy and options selected, cover may include:
Property damage
Repair or replacement of insured business property following an insured event.
Business interruption
Loss of income and additional operating costs following insured property damage.
Theft and money
Loss of insured property or business money.
Public and products liability
Compensation and defence costs arising from covered third-party injury or property damage claims.
Glass
Replacement of insured internal or external glass, including shopfronts and display cases.
Transit and general property
Protection for stock, laptops, tools and other insured items away from the premises or in transit.
Equipment and machinery breakdown
Repair or replacement costs following a covered breakdown.
Tax audit and employee dishonesty
Selected costs arising from an ATO audit or covered fraudulent conduct by an employee.
Important considerations
Cover varies between insurers. Excesses, sub-limits, exclusions and specific security or risk-management conditions may apply.