Business Package Insurance

What it covers

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Property

This covers damage to buildings, contents and stock caused by fire, perils and accidental damage.It includes:

Business Interruption

The interruption to trading following a fire or other insured event can often have more serious financial implications for your business than the actual damage itself. Business interruption covers the shortfall in your gross profit caused by the interruption to your business after an insured loss.

It includes:

Theft and Money

This covers theft of business contents or stock, or theft of money.

Glass

This covers breakage of internal and external glass and signs

Liability

This covers your legal liability to pay compensation for personal injury or property damage.

Employee Dishonesty

This covers fraud or dishonesty by your employees.

Machinery Breakdown

This covers damage to machinery caused by breakdown or damage to boilers and pressure equipment caused by explosion and collapse. Refrigerated or frozen goods can also be covered against deterioration.

It includes:

- Computers and electronic equipment.

This covers fire,theft, accidental damage, breakdown and business interruption cover for computers and electronic equipment.

General Property

This cover is primarily designed for property (excluding stock) which is moved around, such as tools or professional equipment.

Variations to cover include:

- Worldwide

- Theft in open air

- Theft with out forcible entry

- Accidental damage due to collision or overturning

Tax Investigation

This 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.

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