Small Business Insurance Made Simple in Australia

Running a business means juggling plenty of moving parts. From your premises and equipment to your customers and day-to-day operations, one unexpected event can have a big impact. Business Package Insurance brings together the essential covers many Australian businesses rely on, helping protect your business so you can focus on keeping things moving.

• Property – Helps protect your building, contents and stock if they're damaged by insured events such as fire, storm or vandalism.
• Business Interruption – Helps cover the financial impact if an insured event forces your business to slow down or temporarily stop trading.
• Theft, Money & Glass – Helps protect against theft, stolen cash and accidental breakage of fixed glass.
• Public & Products Liability – Helps protect your business if your work, products or business activities cause injury to someone else or damage to their property.
• Equipment Breakdown – Helps cover the cost of repairing or replacing essential machinery and equipment following an unexpected mechanical or electrical breakdown.
• General Property (Tools & Portable Equipment) – Helps protect the tools and equipment you take away from your business premises, so you're covered whether you're on-site, on the road or working at a client's location.

Every business is different, which is why your cover should be too. Whether you operate from a shop, warehouse, office, workshop or home, we'll help you compare options from specialist underwriting agencies so you can find cover that suits your business.

Running a business online means juggling systems, customer data and day-to-day operations — and one cyber incident can disrupt all of it. Whether you take online payments, store client details or rely on email and cloud tools to keep things moving, a ransomware attack, data breach or system outage can quickly turn into downtime, recovery costs and legal headaches. Cyber Insurance is designed to help protect Australian businesses against the financial and operational impact of cyber events.

• Privacy Breach – Helps cover amounts you’re legally obliged to pay if personal, employee or commercially confidential information is breached — including defence costs.
• System Damage – Helps cover the cost of retrieving, repairing or replacing your computer systems and records after malware or a cyber event.
• Business Interruption – Helps cover lost income if a cyber event interrupts your ability to trade.
• Cyber Extortion – Helps cover costs arising from a cyber threat, including ransom payments where permitted by law and handled with the relevant authorities.
• Notification, Fines & Investigations – Helps cover notifying affected people, steps to reduce further harm, and privacy-related fines and regulator investigation costs, to the extent permitted by law.
• Multimedia Liability – Helps cover claims arising from defamation, privacy invasion or copyright issues linked to your online content, email or promotional material.

Every business works online a little differently. Optional extensions such as Computer Crime and Social Engineering Fraud may be available depending on your controls. We’ll help you compare options from specialist underwriting agencies so you can find cover that suits the way you work.

Running a trade business comes with enough challenges without worrying about what could go wrong. Whether you're working on a client's site, renovating homes or managing a crew, a simple mistake, damaged property or stolen tools can quickly turn into an expensive setback.

• Public & Products Liability – Helps protect your business if your work causes injury to someone else or damage to their property, or if a product you've supplied results in injury or property damage.
• Tools Cover – Helps protect the tools and equipment you rely on every day if they're stolen or accidentally damaged, so you can get back on the job sooner.

Whether you're a sole trader or employ a growing team, we'll help you compare cover from specialist underwriting agencies, making it easy to find protection that suits the way you work.

Workers compensation is set by each state and territory. Choose where your staff work and we'll show you what applies.

• NSW – icare
• VIC – WorkSafe VIC
• QLD – WorkCover QLD
• SA – ReturnToWork SA
• WA – WorkCover WA
• TAS – WorkSafe TAS
• ACT – WorkSafe ACT
• NT – NTWorkSafe