Business Pack provides insurance cover for small to medium sized businesses (SME’s). It is an essential part of the risk management strategy of your business, reducing the chance of a loss, and helping you recover faster should the unexpected occur.

We put together a business package tailored just for you that meets the unique risks and exposures faced by your business. For us to do this, it’s important that you tell us about all activities that your business is involved in. This is because certain policies may have endorsements that you don’t need, or exclusions you do need, and this can ultimately affect the full protection of your business.

It is our job to source the best possible product, and negotiate the terms of the policy to ensure you’re not paying for cover you don’t need, and to give you peace of mind knowing you can get on with what you do best – your business!

Who needs it

• Small to medium sized businesses (SME’s), no matter what industry you are a part of.

• If you’re planning on starting a new small to medium sized business.

Covers that are typically included

• Public and Products Liability – in the event a third party is injured on your premises, or in connection with your business;

• Fire and Perils – offers protection against defined events such as fire, storm and malicious damage;

• Theft – helps your business pick back up again fast, covering loss or damage of goods from defined events such as forcible entry, assault or violence;

• Money – cover for loss of money (for example while in transit or in your work safe);

• General Property – protection against accidental loss or damage to your business property;

• Personal Accident and Sickness – cover for you or an employee in the event of an accident or illness;

• Employee Dishonesty – Insurance against the losses incurred by fraudulent behaviour or conduct by employees.