Insurance
Business Package Insurance
A Business Package, often called a Business Pack, bundles the covers most small to medium businesses need into one policy. It typically combines property, liability and business interruption protection, tailored to how your business actually operates.
Do I need Business Package insurance?
If you own or lease premises, hold stock or equipment, or serve customers face to face, a Business Package is usually the simplest way to cover the essentials in one place. It suits retailers, cafes, trades, offices, and most owner-operated businesses.
What does it cover?
- Building and contents, including fit-out, stock and equipment
- Business interruption, covering lost income after an insured event
- Public and products liability
- Theft, money and glass
- Machinery and electronic equipment breakdown
- Portable equipment taken off site
Important tips
- Review your sums insured every year. Underinsurance is the most common gap we see at claim time.
- Business interruption cover is frequently skipped and most missed when it matters. Consider it carefully.
- Tell your broker about any changes to your premises, stock levels or activities during the year.
General advice warning
The information on this page is general advice only. It does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you, and read the relevant Product Disclosure Statement before deciding to buy or hold any insurance product.
How Loyed can help
We review how your business runs, what you own and what could interrupt it, then package the right covers with insurers that suit your industry. You get clear options and a straight recommendation.
Request a quote
Tell us a little about your business and a member of the Loyed team will contact you within one business day.