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Business Pack Insurance for Small & Medium Businesses

Learn more about business pack insurance and how it can help cover small businesses from the unexpected.

Our business package policies can provide protection for:

Material Loss or Damage

Designed to cover the physical loss or damage to your business assets (e.g. building, contents and stock), at your premises from certain sudden, unexpected or unforeseen occurrences (Perils e.g. Fire, Storm Damage). Noting, Flood Cover is typically excluded from standard products.

Business Interruption 

Helps cover loss of income to your business as a result of material damage to your property and can assist with additional increase costs of working.

Glass

Helps cover for the costs of replacing internal or external glass that is accidentally damaged or broken (e.g. windows including advertising signs).

Burglary

Helps cover loss of your contents and stock due to theft from forcible and violent entry to your premises.

General Property (Special Risks)

Designed to cover loss or damage to portable property (e.g. Laptops).

Employee Dishonesty

Designed to cover loss of money or contents caused by theft, fraud or dishonesty by your employees.

Broadform Liability

Public Liability can help cover a small business if their business incurs legal costs because a third party (e.g. customer or member of the public) sustains property damage or personal injury due to the small businesses operations and negligence. Product Liability helps protect a business if it has sold, supplied or delivered goods which have caused injury, death or damage.

Money

Designed to cover your business's money whilst on your premises and in transit.

Machinery Breakdown

Designed to cover mechanical breakdown of machinery equipment at your premises (e.g. Air-Conditioning Unit, Refrigeration Equipment).

Computer Electronic Equipment

Helps cover breakdown of electronic equipment at your premises (e.g. Photocopiers, Computers, POS).

Tax Audit

Helps cover Accountant’s Fees in connection with an audit of your business conducted by the Australian Taxation Office.

 

Transit

Designed to cover the loss or damage to goods and stock that your business buys, sells or uses whilst they are in transit, in a vehicle owned or operated by you.



Why choose Marsh?

Marsh is not an insurer. We are a professional insurance broker, advisor and risk management expert dedicated to helping businesses like you. 

We negotiate competitive premium prices and insurance coverage to deliver value to businesses and help to ensure you have the right level of cover. In addition to obtaining quotations and placing the policies, Marsh can also assist with claims. We can help to manage, negotiate and settle claims with insurers on your behalf.

Marsh can arrange a business package for you, to provide broad coverage against a variety of risks associated with your business, and its industry.

Important tips

Now we’ve gone through a quick summary of what’s typically available in a business pack, here are also a few tips to consider when reviewing your insurance policy.

✔ It is important to review your business policy coverage on an annual basis to fully ascertain and ensure that your insurance coverage remains fit for purpose.

✔ Be careful not to compare insurance solely on premium.Insurance providers can base a policy’s premium on the risks they take on and having a high number of exclusions can reduce these risks, which should result in a lower premium.

✔ If in doubt, ask. If you have questions that can’t be found online, give your insurance advisor a call to ensure you thoroughly understand the insurance solution on offer.





Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is a related entity of MAI. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request.