Business Pack Insurance

A Business Insurance Pack, or ‘Business Pack’ policy, helps protect your business against liability and unexpected events.

It can include a range of covers such as fire or damage to property, impacting your ability to host customers on the premises, or public liability, which protects you against claims relating to injury or property damage of a third party.

Business Pack policies can be flexible depending on your circumstances, and can also be more affordable by bundling different policies together to simplify the process. This means that together, they typically cost less than purchasing each liability and other insurances separately.

What does a Business Pack cover?

Business Packs are designed to offer general protection for your business, and in most cases include cover against:

Property damage:

Repair or replacement of property damaged.

Theft:

Repair or replacement of property stolen.

Machinery breakdown:

Cover for costs associated with machinery breakdown.

Money:

Loss of money.

Electronic equipment breakdown:

For repairing or replacing electronic equipment that breaks down.

General Property:

To cover your tools of trade, including laptops and tools that you use for your profession or trade.

Employee dishonesty:

Direct financial loss of the business caused by the dishonesty or fraudulent conduct of an employee, which is first discovered during the period of insurance.

Public or Products Liability:

Your liability to pay compensation for personal injury and property damage, and the costs involved in defending a claim triggered by the policy.

Glass:

For replacing glass inside or outside your premises, including your shopfront windows, mirrors, or display cases.

How to get Business Pack Insurance

Initial consultation

Contact us to schedule a consultation with one of our experienced insurance brokers. During this meeting, we will discuss your business needs, industry specifics, and any unique risks you face. This step helps us understand your requirements so we can tailor the best business insurance package for you.

Risk assessment

Our experts will conduct a comprehensive risk assessment to identify potential liabilities and exposures. This includes evaluating aspects such as third party personal injury risks, property damage, and business interruption scenarios. This thorough analysis ensures we cover all bases to protect your business effectively.

Customised policy proposal

We aim to provide a package that offers comprehensive protection at an affordable rate. Based on our risk assessment, we will design a customised business pack insurance proposal. This proposal will outline the coverages that suit your specific needs, including public liability insurance, professional indemnity insurance, and more.

Review and adjust

We will review the proposed business insurance package with you, ensuring you understand each coverage component. We welcome your feedback and will make any necessary adjustments to the policy to ensure it meets your expectations and provides optimal protection.

Policy agreement and documentation

Once you are satisfied with the customised insurance package, we will finalise the policy agreement. You will receive all necessary documentation detailing your coverage, terms, and conditions. Our team will guide you through any paperwork and ensure everything is clear and in order.

Ongoing support and claims assistance

Our commitment doesn't end with policy issuance. We provide continuous support and are always available to answer any questions or concerns you may have. In the event of a claim, our dedicated team will assist you throughout the process, ensuring a smooth and efficient resolution.

How does Business Interruption Insurance work?

Business Interruption Insurance is designed to cover the loss of income that a business suffers after a disaster. The income loss covered may be due to disaster-related closing of the business facility, or due to the rebuilding process after a disaster.

This type of insurance helps ensure that your business can continue to pay its operating expenses, such as rent, wages, and utility bills, even if your normal business operations are interrupted.

What is Professional Indemnity Insurance, and why do I need it?

Professional Indemnity Insurance protects your business against claims of negligence or breach of duty made by clients. If your business provides professional advice or services, this insurance is crucial. It covers legal costs and any damages awarded, providing peace of mind that you are protected if a client alleges you provided inadequate advice, services, or designs.

What does Public Liability Insurance cover?

Public Liability Insurance covers your business against claims of personal injury or property damage that a third party suffers as a result of your business activities. This is essential for any business that interacts with the public, as it provides financial protection against potentially costly legal claims and compensation payouts.

What is Management Liability Insurance?

Management Liability Insurance provides coverage for the personal liabilities of directors and officers arising from the management of a company. It includes cover for wrongful acts such as breach of duty, breach of trust, neglect, error, misleading statements, and wrongful trading. This insurance is vital for protecting the personal assets of your company’s management team.

Can Business Pack Insurance include Cyber Insurance?

Yes, a Business Pack Insurance can include Cyber Insurance. In today's digital age, cyber threats are a significant risk. Cyber Insurance helps protect your business from financial losses caused by cyberattacks, data breaches, and other cyber incidents. It covers costs related to data recovery, legal fees, and managing the aftermath of a cyber incident.

Why choose Regional?

Insurance isn’t always a one size fits all policy. Whether you’re in manufacturing, food and beverage, hospitality, a property owner, tradie, or truckie, we’re here to help structure your insurance program to suit.

Customised coverage for every industry

A business pack isn't a one-size-fits-all policy. Whether you're in manufacturing, food and beverage, hospitality, property management, or something else, we tailor insurance packages to fit your unique business needs.

Comprehensive protection

Insurance packs can include a range of coverages such as professional indemnity insurance, public liability insurance, and business interruption cover. This ensures you have the right protection against potential risks and unforeseen events.

Local expertise, national reach

With offices across Queensland and a broad national reach, we provide personalised, local service backed by extensive industry knowledge. We understand the specific challenges faced by businesses in regional and metro areas from South East to Far North QLD.

Expert risk management

Our highly trained insurance professionals help you identify and manage risks effectively. From structuring your insurance program to supporting you with claims, we're here to ensure your business is well-protected.

Dedicated claims support

In the event of a claim, our dedicated team is ready to assist. We provide robust support to help you navigate the claims process smoothly, ensuring minimal disruption to your business operations.

Tailored business interruption insurance

We offer specialised business interruption insurance to help you recover from unexpected situations. This includes business interruption cover and tax audit insurance, ensuring your business can continue to thrive through challenging times.

In the words of our clients...

“Janelle from Regional Insurance Brokers is always a pleasure to work with. Especially the time I had to make a claim, she was readily available and made the process very simple. I find Regional Insurance very competitive for my business insurance. Thanks Janelle.”
Karla
Brizzie Baskets and Blooms
“Cooper McCullough Group have been dealing with Sue & Craig from Regional Insurance Brokers for over 3 years now, they have always been extremely accommodating, all queries are dealt with in a timely manner & nothing is too much to ask of. We would highly recommend Sue & Craig from Regional Insurance Brokers for all of your business insurance needs.”
Rhiannon Neal
Cooper McCullough Group
“I am delighted that Carlee King is my client manager as she offers such a wonderful personalised service which has continued from my previous broker before they merged with Regional. In an industry that is becoming increasingly more impersonal, it’s refreshing to deal with a person who provides this level of personalised service. As a long-term client, and with three sons who all deal with Carlee and Regional Insurance Brokers, I congratulate you on making personal relationships part of your ongoing culture.”
David Poole - Managing Director
D&K Invesments (QLD) PTY LTD
“I'm happy to say I've had 10 plus years of great service from Sue at Regional Insurance Brokers, nothing seems to be a problem and I get good clear advice when I've asked. I'm sure the website upgrade won't change the great people behind the name. ”
Russ Hill
Long time customer
“Our business has been a loyal Regional Insurance Brokers customer for over 20 years. Janelle Newton and her team continue to provide us with efficient and up to date advice and guidance regarding the insurance needs for our small business. Nothing is too much trouble and we appreciate the friendly, personal service.”
Business Owner
Medical Industry, Auchenflower
“Lyndel Juillerat’s attention to detail and commitment to finding the best possible coverage for my needs have given me peace of mind, knowing that I am adequately protected. I truly feel that she has my best interests at heart, and I am grateful for the personalised service she has provided. Thank you Lyndel for being such a valuable resource and for always being there to support me.”
Melanie Butler
“I have known Carlee King for many years and have always found her approachable and knowledgeable. I would recommend Carlee King and Regional Insurance Brokers to family and friends. One loyal customer right here.”
Brett & Janelle
Personal Insurance Client
“Sue Murray and the Regional Insurance team have supported me with all my insurance covers, both business and private for many years. She helps navigate my insurance needs from basic car insurance all the way up to the complex Professional Indemnity cover required for my business. Sue has always been easy to talk to and very responsive to my requests. I would recommend Sue and the team at Regional Insurance Brokers for any, and all, insurance needs.”
John Carroll
Power2
“Premier Box can't recommend Regional highly enough! Their exceptional service and attention to detail have truly made a difference to our business. From their prompt response times to their expert guidance, every interaction has been smooth and productive. The dedication to customer satisfaction sets them apart, making them my top choice for any future needs.”
Rebecca Runge
“We are delighted to share our recommendation and positive experience working with Daniel Campbell and the team at Regional Insurance Brokers. Their exemplary service has truly set them apart in the insurance industry. Their in-depth understanding of our risks and expertise in tailoring insurance solutions to fit our specific requirements is greatly appreciated. Daniel's commitment to responsiveness and clear communication is a standout. We whole heartedly recommend the team at Regional Insurance Brokers for their outstanding service, professionalism, and commitment to client satisfaction. ”
Tina Broadhurst, Operations Manager
Shadcon Pty Ltd
“We highly recommend Regional Insurance Brokers, Andrew has been looking after our insurance interests for nearly a decade and throughout has be a pleasure to deal with. His professionalism and genuine interest in finding his clients the right insurance at the right price always leaves us comfortable with the easy to understand advice and recommendations provided. We are so pleased with the services and effort received that we couldn’t speak more highly of him, A+!”
Paul
Tetra Landscapes