Business Pack insurance consists of a choice of a number of individual insurance
covers and provides wide-ranging business insurance protection under the one policy.
To provide flexibility, you can choose from any of the following sections:
Property
Provides protection for Buildings, Contents and Stock against fire, explosion,
earthquake, storm and tempest, impact, vandalism, riots and srtikes, water leakage and
Accidental Damage.
Business Interruption
The interruption to trading that follows a fire or some other insured event can often
have more serious financial implications for your business than the actual damage itself.
You may choose to insure either gross income or an elected weekly income.
Read more...
Theft and Money
Covers your contents and/or stock against theft. Claims are settled for replacement cost.
Money may also be insured. You may also insure against damage to safes and strongrooms other than
that automatically provided by the policy.
Glass
Provides cover for replacement cost of either external or internal glass, or both. It also
allows cover on specified glass such as signs, for a selected sum insured.
Public Liability and Products Liability
Your business can be covered against liability to pay compensation for personal injury
or damage to property, including liability arising from the ownership of buildings or
land used in connection with the business. You can also be covered for liability arising
from defects in your products. Read more...
Employee Dishonesty
Provides cover against fraud or dishonesty by your employees, which results in a direct
loss of money, negotiable instruments or goods.
Machinery, Pressure Equipment and Goods in Cold Chambers
You can cover damage to machinery caused by mechanical, electrical or electronic
breakdown. Boilers and pressure equipment may be insured against explosion and collapse.
Goods in cold chambers can be covered against deterioration following accidental damage
to, or accidental failure of, the public electricity supply.
Computer Systems and Electronic Equipment
Provides cover against fire and peril, accidental damage (including theft) and breakdown
relating to computer systems and electronic equipment. It can also cover against business
interruption caused by these issues.
General Property
Primarily for property (excluding stock) that is moved around. You can choose any
combination of fire and perils, theft and/or accidental damage.
Tax Audit
Covers costs incurred by your accountant or registered tax agent (after receiving
notification from the Australian Tax Office) in conducting an audit or investigation
in relation to your liability to pay tax. Read more...
