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Business Pack

Each and every business has its own unique risk exposures. A Business Pack Insurance policy is designed to cover a vast range of business activities, and is highly flexible. Cover sections can be tailored according to your specific risk exposures, and the assets important to your business.

We aim to work in close partnership with you, spending the time to understand the inner workings of your business. This will play a key role in risk identification.

Once we have ascertained a clear picture of your core asset and risk portfolio, we will approach the insurance market, and formulate a business pack insurance solution that aligns perfectly with the needs of your business.

A business pack policy can protect:

  • Your assets such as building, stock, plant and office equipment,
  • The continuing financial viability of your business should you have an insurable loss and,
  • Your legal liability for personal injury and/or damage to property caused by a negligent act of an employee whilst engaged in work activity.

We strive to provide you with an insurance solution that empowers you to plan for the future of your business with greater certainty.

Please Note: Below are some of the more common insurance policy features, however, the list is not exhaustive and some features may not be offered by certain insurers. Please refer to the insurer-specific policy wording for inclusions, exclusions, terms and conditions. 

Covered Features

  • Business Pack Property Damage

    Property Damage

    Covers physical loss or damage to your property during the period of insurance. 

  • Business Pack Theft

    Theft

    Covers the loss of your contents and stock from theft, attempted theft, armed hold up or an actual or threatened assault. 'Theft of property insured in the open air' is an optional extra.   

  • Business Pack Public and Products Liability

    Public and Products Liability

    Provides cover for liability incurred as a result of negligence, actual or alleged, that has resulted in 3rd party property damage, personal injury or advertising injury.

  • Business Pack Glass

    Glass

    Coves the breakage of glass which you own or for which you are legally responsible.

  • Business Pack Business Interruption

    Business Interruption

    Provides cover for loss of gross profit in the event of an interruption or interference with your business as a result of an insured peril such as fire, theft, storm damage.  

  • Business Pack Machinery and Equipment Breakdown

    Machinery and Equipment Breakdown

    Covers the breakdown of machinery or electronic equipment at your premises. 

  • Business Pack Money

    Money

    Cover for loss of money from your business premises during business hours, in a locked safe, in transit and/or at your private residence.

  • Business Pack General Contents

    General Contents

    Cover for items that you use offsite such as tools, lap tops and other electronic equipment.

General Enquiry

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The Whitbread Channel

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The 2020 Allianz Risk Barometer identifies the 10 most prominent risks faced by businesses this year. How is your business managing these risks to reduce the potential impact on your strategic objectives? The advice and insurance solutions recommended by a specialist insurance broker can be a highly effective way to transfer risk.

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In the aftermath of a flood, many depend on their insurance to help recoup losses. Sadly, stressful situations are often made worse when people discover their Strata Insurance policy does not cover damage as a result of flood.

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