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Pick the right Business Insurance package

Choosing the right business insurance to cover your small to medium business can be daunting without the right brokers by your side. Online Business Insurance Brokers will offer you at least 10 business insurance quotes within 24 hours and help you choose the right deal for your business.

Get A Quote Now

Pick the right Business Insurance package

Choosing the right business insurance to cover your small to medium business can be daunting without the right brokers by your side. Online Business Insurance Brokers will offer you at least 10 business insurance quotes within 24 hours and help you choose the right deal for your business.

Get A Quote Now

Pick the right Business Insurance package

Choosing the right business insurance to cover your small to medium business can be daunting without the right brokers by your side. Online Business Insurance Brokers will offer you at least 10 business insurance quotes within 24 hours and help you choose the right deal for your business.

Get A Quote Now

Pick the right Business Insurance package

Choosing the right business insurance to cover your small to medium business can be daunting without the right brokers by your side. Online Business Insurance Brokers will offer you at least 10 business insurance quotes within 24 hours and help you choose the right deal for your business.

Get A Quote Now

Pick the right Business Insurance package

Choosing the right business insurance to cover your small to medium business can be daunting without the right brokers by your side. Online Business Insurance Brokers will offer you at least 10 business insurance quotes within 24 hours and help you choose the right deal for your business.

Get A Quote Now

Pick the right Business Insurance package

Choosing the right business insurance to cover your small to medium business can be daunting without the right brokers by your side. Online Business Insurance Brokers will offer you at least 10 business insurance quotes within 24 hours and help you choose the right deal for your business.

Get A Quote Now

Business Insurance Package: The right way to protect your business

Safeguarding your business against possible damage, loss, and theft is the best way to achieve peace of mind as a small and medium-sized business owner, especially when yours is a brick-and-mortar business.

Business insurance packages cover your business against the most frequent types of losses such as damage to property due to flood or fire; theft of equipment, stock or machinery; monetary robbery; glass damage; or general property loss. 

At Online Business Insurance Brokers, we sweat the details to understand your business and its unique needs. We ask questions, listen carefully and provide careful suggestions so you can choose the right business insurance package. 

Below is a general overview and we are standing by to help you navigate through the available sections and advise on what sections your business needs.

Business Package Insurance quote

Property Damage 

​If your business has property at your place of business, and you want to protect it from damage such as fire, water damage, flood, impact damage or other perils, then you can insure it under the Property Damage Section. Cover does not include theft.

The Property Damage Insurance can cover:

  • Buildings
  • Fixtures & fittings
  • Contents
  • Stock
  • Machinery
  • Raw materials
Business Package Insurance quote

Business Interruption

A natural calamity, theft, or incident may interrupt your business and its smooth functioning. The Business Interruption cover helps you keep your business running. It covers ongoing costs — like staff wages, supplier invoices, rent or loan repayments — so you can recover and rebuild. The cover can get you through a temporary crisis by protecting your cash flow. It can cover the loss of any sales you would have made while your business is out of action – plus any extra costs you incur to stay open.

It may also include:

  • Ongoing operating expenses, such as electricity and rent
  • Relocation costs for moving to, and operating from, a temporary location
  • Training costs for operators of replacement machinery
  • Closure of your business premises due to government-ordered street closures or curfews
  • Damage to a supplier’s premises which has a negative flow on effect for your business operations
  • Budgeting Analysis
  • Benefits & Pension Plans
  • Accounting Services
  • Retirement Planning
Business Package Insurance quote

Theft

This package covers the properties inside your office or business premises in the event of a theft.

The items covered in this package can include:

  • Contents
  • Equipment
  • Stock
  • Machinery
Business Package Insurance quote

Money

Break-ins, hold-ups or theft of money when a staff member is not watching are pretty unfortunate incidents. The money insurance package covers theft of money and negotiables by third parties from the business premises. The insurance also covers going to and from the bank or home; it covers the money at your home if you decide to take it away from the business premises.

Covers available:

  • Money on the premises during business hours
  • Money on the premises outside of business hours
  • Money kept in a safe on the premises
  • Money whilst in transit
  • Money whilst kept at your private residence
Business Package Insurance quote

Glass

If you’re looking to cover external glass (exterior windows etc) or internal glass (any glass inside including ceramic basins and cisterns) or both at your business premises, this additional cover can greatly benefit your business.

Many commercial lease agreements also require businesses to insure for Glass even though they do not own the premises.

Additional benefits can include cover for signwriting and signs.

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Transit

Cover your items for loss or damage whilst in transit or while travelling anywhere in the world. Broader ‘standalone’ cover can be selected, which can also cover importing or exporting of items against loss.

Business Package Insurance quote

General Property

The insurance package insures the portable items you use in your business from accidental damage, theft, impact, water damage and damage during a vehicle collision. Whether items are at your premises, in your vehicle, at home or at the worksite – cover can be provided.


This can include cover for items such as:

  • Tools
  • Professional equipment
  • Stock
  • Other portable items
Business Package Insurance quote

Public Liability

If someone other than your employees suffers an accident or unforeseeable incident at your business premises or due to your machinery, you may be found legally liable to cover the costs. Public liability insurance helps protect your business from the financial risk of liability claims – helping you trade with confidence.

Public liability insurance isn’t a mandate for most businesses, but is recommended. Accidents are unpredictable and costs of being sued can be extremely high.

Public liability insurance helps protect your legal liability to third parties, including clients, customers and the public for injury or damage to their property, caused by the business. It can even cover emotional distress or shock that your business causes another person.

Business Package Insurance quote

Breakdown Sections: Machinery & Electronic Equipment

When essential equipment and machinery breaks down it can disrupt your production supply chain. This policy will normally excludes Property Damage risks but includes cover for:

  • Breakdown of mechanical, electrical, pressure and electronic equipment;
  • Deterioration of stock in chambers, be they refrigerated or under controlled atmosphere, following breakdown;  
  • Boiler and pressure vessel explosion or collapse; and
  • Damage to other property consequent upon certain specified circumstances.

Deterioration of stock cover is a particularly important element for businesses which have a significant value of temperature controlled product or raw materials.

It should be noted that the breakdown cover is not intended as a maintenance cover and should instead be seen as a complement to a well-functioning risk management program.  

Business Package Insurance quote

Tax Audit

When being audited by a Commonwealth, State or Territory department, or by the ATO, the accountant’s fees can be exorbitant. Getting a tax audit policy to cover the cost of such professional fees might be a good idea. It’s a great way to stay on top of the audit process while continuing business as usual.

Business Package Insurance quote

Employee Dishonsty

This policy, also called ‘fidelity’, provides cover for your business in the event when an employee steals or obtains money or negotiables. It is important to note that the Money Section does not cover theft by employees.

Business Insurance outside of a Package

Here are some other business insurance options that aren’t bundled in a package.

These include:

  • Professional Indemnity – Anyone can make a mistake – but if your business is found liable for negligence, the costs can be financially devastating.This policy can save you from a lot of grief if your business is ever in such a jam.
  • Contract Works – This is a crucial cover for commercial, industrial and domestic builders, sub-contractors, and owner-builders against damage, natural disasters, injury, theft and product or public liability.
  • Management Liability – This insurance protects against the financial exposures that come with managing a company. Helping you defend, settle or pay compensation claims.
  • Cyber Insurance – This policy offers peace of mind and protection against cyber-attacks, such as computer hacking, ransomware or data theft.
  • Corporate Travel – Consider this policy if you or your employees regularly travel for work. This policy covers financial losses caused by overseas health emergencies, flight cancellations or lost and stolen baggage.

Our experienced brokers at Online Business Insurance Brokers work with you to understand your business needs and guide you towards the right solutions.

What isn’t covered?

Like with most insurance, there are exclusions with business insurance.

There are also often deductible and/or excesses and limits on cover, so please check with us so we can discuss the right policy for you.

Here are some of the insurers we size up on your behalf

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