.png)
Office / Business Package Insurance
Office / Business Package Insurance bundles several types of essential cover into one policy. It’s tailored for businesses operating from offices, clinics, or retail spaces. This insurance protects against common risks such as property damage, theft, business interruption, and liability, making it a popular choice for small to medium-sized businesses across various industries.
-
Combines key covers into one policy
​
-
Protects premises, contents, and stock
Quick Benefits:
-
Covers public liability and business interruption
​
-
Suits offices, consultancies, and small retailers
What’s Covered:
​
-
Fire, storm, theft, and accidental damage
-
Business interruption from insured events
-
Public and products liability
-
Theft of stock, office equipment, and furniture
What’s Covered:
​
-
Employee injuries (covered under Workers' Compensation)
-
Wear and tear or mechanical breakdown
-
Cyber events (unless added separately)
-
Losses from events not listed in the policy
Not sure what your business needs?
Consult us at 1300 337 276
Frequently Asked Questions
Q: Is business insurance the same as public liability?
A: No — business insurance is not the same as public liability. Public liability only covers your legal liability if you injure someone or damage their property, whereas business insurance includes that cover plus your own property, stock, equipment and income.
​
Q: How much does business insurance cost in Australia?
A: The cost of business insurance in Australia varies widely because the policy is built around your business. Premiums depend on your industry, turnover, the covers you select, the value of your assets and your claims history — a trades business pays differently to a professional services firm. As brokers, we compare insurers to find appropriate cover at a competitive premium.
​
Q: Does business insurance cover home-based businesses?
A: Yes — business insurance can cover home-based businesses. Home and contents policies usually exclude business assets and business liability, so a home-run business needs its own cover for stock, equipment, tools and public liability, whether you work from home, on-site or on the road.
​
Q: Are business insurance premiums tax deductible?
A: Business insurance premiums are generally tax deductible in Australia when the cover relates to running your business. The exact treatment depends on your circumstances, so confirm with your accountant — we can provide the policy documentation they'll need.
Got more questions? Contact our team or visit our FAQ.
