Bundles the covers a small business typically needs into a single policy: the premises and what is in them, the income lost if you cannot trade, and liability to the public. One renewal date, one excess structure, usually cheaper than buying the parts separately.
A cafe owner came in after a weekend break-in: $18,000 of stock, the espresso machine and the till cash were gone. The pack paid out within two weeks and also covered the takings lost while the doors were closed.
These are the real questions, and why each one changes your premium. Our chat walks through them with you.
A pack is modular. Property and liability are the usual core; theft, money, glass and the rest are elected, and each one you add changes the premium.
Construction drives the property and theft premium more than almost anything else. Brick and concrete price well; fibro and iron attract fire-spread loadings.
A monitored back-to-base alarm can reduce theft losses substantially and attract a meaningful discount. A local-only alarm that just makes noise attracts little.
That answer sets the business interruption indemnity period. Too short and the cover stops paying while you are still rebuilding.
No forms. Answer a few questions in chat and an authorised broker takes it to the market for you.
This page is general information only and does not take your objectives, financial situation or needs into account. Consider the Product Disclosure Statement before deciding. Cover is subject to the insurer’s terms and acceptance.