Business & Office Pack Appetite

Professionals

Trades & Services

Retail & hospitality

Examples of top performing occupations:

Professionals

Trades & services

Retail & hospitality

Examples of occupations we cannot cover:

Churches

Pubs & clubs

Tattoo parlours

Brothels

Childcare, performers & entertainers

What is Business & Office Pack Insurance?

A Business Insurance Pack (MDBI)* is an insurance package designed to provide cover for your client’s business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business & Office Insurance policy can also cover your client’s portable equipment, and loss of revenue due to business interruption in specified circumstances.

There are many different types of Business & Office Insurance cover options, each designed to protect different areas of a business’ operation, including:

  • Building Insurance – Buildings* Building cover protects you from the cost of repairing or reconstructing buildings your business owns as a result of fire and other perils. This includes protection for things like fixed signs and lettering, tanks, poles, power lines and their supports, walls, gates, fences and landscaping. You also can get optional cover for natural disasters, including earthquake cover (not available for all postcodes)
  • Building Insurance – Property* cover protects you from the loss or damage to your contents, stock and equipment caused by fire and other perils. It includes cover for money, theft equipment breakdown and seasonal stock increase. It also covers the costs to replace internal or external glass that is damaged or broken, such as windows, mirrors or porcelain.
  • Public Liability Insurance* – This covers your client if a third-party claim that your client’s negligent business activities caused them injury or property damage or personal injury (not covered by the ACC). This includes defence costs cover.
  • Business Interruption* – Business Interruption cover protects you from the loss of income and some of the increased costs of running your business as a result of interruption caused by events covered under your policy. You can also get optional cover for natural disasters, including earthquake cover (not available for all postcodes)

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