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Coverages
Talk to our small business insurance specialists to find a tailored cover that works for you and your unique business needs.
Coverages across 1000+ industries
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Company
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Talk to our small business insurance specialists to find a tailored cover that works for you and your unique business needs.
Coverages across 1000+ industries
Select how you’d like to proceed with your insurance needs.
Talk to a real insurance expert on your time.
15-minutes consultation with licensed advisors
Perfect if you’re unsure about coverage needs
Get personalised recommendations
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Already have coverage? Let’s simplify your service
Keep your current carriers & policies
Simple digital authorisation process
Seamless transition to better service
Public liability, property, glass, contents, stock, tools and business interruption in one comprehensive insurance policy.
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Trusted by 60,000+ small business types
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OVERVIEW
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.
Businesses
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WHO WE COVER
COVERAGE SUMMARY
Here’s what this policy typically helps with. Exact cover depends on your insurer and wording.
Protection when providing emergency first aid outside your practice. Covers liability from helping at accident scenes or during medical emergencies
Protection for treatment-related allegations including negligent care, misdiagnosis, or incorrect advice. Covers legal defence costs and compensation claims.
Protection against claims from breaching privacy legislation or health records laws. Covers unauthorised disclosures, data mishandling, and compliance failures
Coverage for injuries or property damage at your practice. Includes slip and fall accidents, equipment-related injuries, and damage to client belongings
Protection when providing emergency first aid outside your practice. Covers liability from helping at accident scenes or during medical emergencies
CLAIMS EXAMPLES
Simple, real-world examples to help you better understand how coverage might work with this policy.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
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.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
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.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
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.
WHAT WE OFFER
Simple business insurance with fast quotes, flexible policies, and expert support.
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WHO IT’S FOR
Types of businesses who might be contractually required or recommended to take out this insurance.
Protection for treatment-related allegations including negligent care, misdiagnosis, or incorrect advice. Covers legal defence costs and compensation claims.
Coverage for AHPRA or official body investigations into your professional conduct. Includes legal representation costs, expert reports, and investigation expenses
Protection against claims from breaching privacy legislation or health records laws. Covers unauthorised disclosures, data mishandling, and compliance failures
Coverage for injuries or property damage at your practice. Includes slip and fall accidents, equipment-related injuries, and damage to client belongings
Protection when providing emergency first aid outside your practice. Covers liability from helping at accident scenes or during medical emergencies
WHAT’S NOT COVERED
Common examples of what is generally outside cover. Check the insurer policy wording to confirm the details.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
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.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
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.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
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.
PRICING
Your premium is based on your details and the cover options you choose. There is no one set price for every business.
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.
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.
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.
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.
POPULAR COVERAGES
Browse from a range of cover types to match your business’ unique needs.
Covers claims arising from professional services & errors
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Covers third-party claims from injury or property damage
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Covers claims arising from management decisions & workplace issues
Protects against advice or service claims.
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Level 8, 11 York Street, Sydney
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Speak with our specialist, everyday from 9am - 9pm.
Get help with your quote,
We'll reply within 24hrs
Chat with our specialist, everyday from 9am - 9pm
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