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Business Pack
Public liability, property, glass, contents, stock, tools and business interruption in one comprehensive insurance policy.
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Trusted by 60,000+ small businesses
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— The Basics
What is
Business Pack
A business insurance pack bundles key covers into one small business insurance policy. This business package insurance can include property and contents, theft, glass, stock, business interruption and public liability, depending on the policy.
Start a Quote to see options for your business.
— Why it Matters
Why is it important?
— The Basics
What is
Business Pack
A business insurance pack bundles key covers into one small business insurance policy. This business package insurance can include property and contents, theft, glass, stock, business interruption and public liability, depending on the policy.
Start a Quote to see options for your business.
— Why it Matters
Why is it important?
upcover is trusted by business owners and insurers alike
Here’s what this policy typically helps with. Exact cover depends on your insurer and wording.
Project Alpha Progress Copy
Protection when providing emergency first aid outside your practice. Covers liability from helping at accident scenes or during medical emergencies
Project Epsilon Launch
Protection for treatment-related allegations including negligent care, misdiagnosis, or incorrect advice. Covers legal defence costs and compensation claims.
Project Gamma
Protection against claims from breaching privacy legislation or health records laws. Covers unauthorised disclosures, data mishandling, and compliance failures
Project Beta Milestone
Coverage for injuries or property damage at your practice. Includes slip and fall accidents, equipment-related injuries, and damage to client belongings
Project Alpha Progress
Protection when providing emergency first aid outside your practice. Covers liability from helping at accident scenes or during medical emergencies
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT'S EXCLUDED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
Product Reaction
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT'S EXCLUDED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT'S EXCLUDED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCENARIO
A homeowner experiences water damage due to a burst pipe and needs to file a claim with their insurance provider.
WHAT IT'S COVERED
Home insurance typically covers sudden and accidental water damage, making it essential for homeowners to understand their policy details.
Slip on Damp Carpet
SCENARIO
A client employee slipped on a freshly mopped floor and injured their wrist.
WHAT IT'S COVERED
Public liability covers injuries to third parties caused by cleaning activities, including slips and falls.
Slip on Wet Floor
Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.
Benefits
Why Businesses trust upcover
Get quotes in minutes, adjust your cover as your business evolves, and lean on expert support to help you make confident insurance decisions.
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Who It’s For
Who needs
Business Pack
Insurance?
Types of businesses who might be contractually required or recommended to take out this insurance.
Project Epsilon Launch
Protection for treatment-related allegations including negligent care, misdiagnosis, or incorrect advice. Covers legal defence costs and compensation claims.
Project Delta Testing
Coverage for AHPRA or official body investigations into your professional conduct. Includes legal representation costs, expert reports, and investigation expenses
Project Gamma
Protection against claims from breaching privacy legislation or health records laws. Covers unauthorised disclosures, data mishandling, and compliance failures
Project Beta Milestone
Coverage for injuries or property damage at your practice. Includes slip and fall accidents, equipment-related injuries, and damage to client belongings
Project Alpha Progress
Protection when providing emergency first aid outside your practice. Covers liability from helping at accident scenes or during medical emergencies
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT'S EXCLUDED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
February 23, 2026
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT'S EXCLUDED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT'S EXCLUDED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCENARIO
A customer with a stated nut allergy ordered a dessert, but due to a miscommunication between kitchen staff, it was prepared using a nut based topping. The customer experienced a reaction shortly after eating and lodged a complaint with the venue.
WHY IT'S EXCLUDED
Products liability covers claims relating to accidental food preparation errors that cause illness.
Allergic Reaction Incident
SCENARIO
A client employee slipped on a freshly mopped floor and injured their wrist.
WHY IT'S EXCLUDED
Public liability covers injuries to third parties caused by cleaning activities, including slips and falls.
Slip on Wet Floor
Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.
Price Factors
Factors Affecting Cost of
Business Pack
Insurance
Your premium is based on your details and the cover options you choose. There is no one set price for every business.
What Affects your
Business Pack
Insurance Premium?
Business type
What you do affects risk. A café, retailer, or tradie can face different claim types and costs. Some businesses use heat, machinery, or have more visitors, so insurers price the business insurance pack differently.
Business location
Your suburb and building type matter. Insurers may rate areas differently for storm, flood, theft, and fire risk. Being in a shopping strip, industrial area, or older building can change your business package insurance cost.
Sum insured
This is the value you choose to insure for your contents, stock, equipment or building. Higher sums insured usually mean a higher premium. Getting values right helps avoid being underinsured if you claim on small business insurance.
Excess & options
Your excess is what you pay if you claim. A higher excess can lower your premium. Adding sections like theft, glass, money, or business interruption can increase your SME insurance cover price, depending on limits.
Explore More
Explore our Coverage Library
Browse from a range of cover types to match your business’ unique needs.
Professional Indemnity
Covers claims arising from professional services & errors
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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.
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