Our business insurance packs offer a wide selection of cover options for you to choose from.

Our contact centre and claims teams live and work in the Territory, so we understand Territory business conditions and respond quickly when you need us.

Give us a call to talk through your options and get a quote

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Small Business Insurance

  • Small Business
    Advantage Pack
  • Material Damage
  • Theft
  • Money
  • Glass
  • Machinery Breakdown
  • Electronic Equipment
  • Personal Accident & Sickness
  • Public & Products Liability
  • Business Interruption
  • General Property
  • Management Liability
  • Transit
  • Commercial Motor
  • Trade and Services Pack
  • Public and Products Liability
  • General Property
  • Personal Accident & Sickness
  • Commercial Motor
  • Office Pack
  • Material Damage
  • Theft
  • Money
  • Glass
  • Machinery Breakdown
  • Electronic Equipment
  • Liability
  • Business Interruption
  • General Property
  • Management Liability
  • Professional Indemnity
  • Commercial Motor

Please refer to the Small Business Advantage Pack PDS for more detail about applicable terms, conditions, limits and exclusions.

Material Damage

Protect your property against accidental damage at the situation you have listed.

Theft

Insure your property against theft or attempted theft at the situation you have listed.

Money

Provides cover for loss of money for specified losses including money in transit, money in your work safe or strongroom and money in your personal custody.

Glass

Covers against the accidental breakage of glass with automatic additional benefits such as damage to frames or breakage of illuminated/advertising signs.

Machinery Breakdown

Covers damage to insured machinery caused by breakdown, and includes a number of automatic additional benefits, such as cost of hiring temporary machinery, plus the optional benefit of deterioration of stock.

Electronic Equipment

Covering against the breakdown of electronic equipment specified in the schedule. This includes a number of additional and optional benefits.

Personal Accident and Sickness

Cover for you or an employee in the event of an accident or illness. This cover can help to reduce the impact on your business.

Commercial Motor

Covers your insured vehicles for the options selected, such as Third Party Property Damage, Loss or Damage, or Fire and Theft.

Public and Products Liability

Covers the amounts that you are legally liable to pay as compensation for personal injury, property damage and/or advertising liability happening during the period of insurance within the defined territorial limit as a result of an occurance in connection with the business.

Business Interruption

Covers you for Consequential loss resulting from the interruption of or interference with the business that is caused by a specified event that occurs during the period of insurance.

General Property

Covers you for the cost of repairing or replacing the insured property that is accidentially damaged anywhere in the world.

Management Liability

Directors & Officers – Covers you or any of the directors and officers against a breach of duty, breach of trust, act, error or omission for a claim that is first made and reported to us during the period of insurance.

Employment Practices Liability – Covers you for a claim against you for a specific employment practices breach, such as discrimination, wrongful dismissal or sexual harrasment.

Crime – Covers you for any loss of property that belongs to you for which you are legally liable which has been unlawfully taken by an employee.

Tax Audit - Covering professional fees reasonably incurred in connection with an audit of the business.

Transit

Cover against the damage to your stock or goods following a defined event such as fire, vehicle overturning etc while in transit.

Policy Documents


For standard terms, conditions, limits and exclusions about our small business insurance, please refer to the relevant Product Disclosure Statements (PDS).

Request a call to discuss Small Business Insurance Quote

Thank you for your query. Please enter your contact details below and one of our Business Insurance representatives will call you to discuss our insurance options (this may take up to 24 hours from the first business day after your request has been lodged).

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