Insurance made simple
A Business Pack policy is a bundled policy designed to protect small to medium-sized businesses from a wide range of risks – all under one convenient package. It typically includes cover for:
Property Damage cover helps protect your business premises, contents, and stock against unexpected events like fire, storms, vandalism, or accidental damage. Whether it’s damage to your building, equipment, or inventory, this cover helps pay for repairs or replacement – so you can bounce back quickly and keep your operations running smoothly.
Public & Products Liability coverhelps protect your business if your work or products cause injury or property damage to others. Whether someone trips over your gear on-site or a product you’ve installed causes damage later on, this cover helps pay for legal costs and compensation claims. It’s essential protection for businesses that deal with customers, the public, or supply goods – keeping you covered if things go unexpectedly wrong.
Under a Business Interruption cover, property damage is the trigger that activates the policy. If your business suffers physical damage – like from a fire, storm, or vandalism—that forces you to close or scale back operations, Business Interruption insurance helps cover the loss of income and ongoing expenses during the downtime. It’s not about fixing the damage itself (that’s for property insurance), but about keeping your cash flow steady while you recover.
Theft or Burglary cover helps protect your business against the loss of contents, stock, or equipment due to forced or unlawful entry. If someone breaks into your premises and steals or damages your property, this section of the policy can help cover the cost of replacing stolen items. It’s a vital safeguard for businesses with valuable gear or inventory on-site.
Glass Breakage cover protects your business against the cost of repairing or replacing internal and external glass that’s accidentally broken. This can include shopfront windows, doors, display cabinets, mirrors, and even illuminated signage. It often also covers emergency repairs and temporary security measures – helping you get back to business quickly and safely after a breakage.
Machinery or Equipment Breakdown cover helps protect your business when essential equipment unexpectedly fails due to mechanical or electrical issues. Whether it’s a refrigeration unit, air compressor, or production machine, this cover can help pay for repair or replacement costs – minimising downtime and keeping your operations running. It’s especially valuable for businesses that rely on specialised gear to deliver services or maintain stock.
Money cover helps protect your business against the loss or theft of cash, cheques, or other negotiable instruments. This can include money stolen from your premises during business hours, after hours (if secured in a safe), or while in transit to the bank. It’s a valuable safeguard for businesses that handle regular cash takings – helping to reduce the financial hit if something goes missing.
Portable Tools or Stock cover – often called General Property insurance – protects your business gear and inventory when it’s on the move. Whether you’re a tradie carrying tools between job sites or a business transporting stock, this cover helps pay for repair or replacement if items are lost, stolen, or accidentally damaged away from your main premises. It’s ideal for businesses that rely on mobile equipment or frequently work off-site.
Jakoop Brokers Pty Ltd T/As Simplify My Insurance
CAR No. 1315829 l ABN 22 637 887 506
Authorised Representative of Community Broker Network Pty Ltd
ABN 60 096 916 184 | AFSL 233750
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123 Parkyn Parade Mooloolaba QLD 4557
(07) 3123 6100
hello@simplifymyinsurance.com.au