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How to apply
  • Call a business insurance specialist on 1300 554 002 Monday to Friday 9am - 5pm
  • Visit a branch
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Commercial Insurance

Choose the right cover to suit your business

  • Comprehensive cover specifically designed for small to medium businesses
  • Choose a package or customise a package to suit your business
  • Insure your business against a wide range of events
  • Pay by the month payment option to assist with cash flow
  • Fast claims assistance 24/7
Business package 
  • Suits small to medium sized businesses, including retail and hospitality outlets such as bakeries, cafes and fruit shops
  • Cover your building, stock and equipment for a range of common risks including fire, theft, and loss of profit if you can’t operate while damage is repaired
  • Includes public liability to cover personal injury or third party property damage
Trade package
  • Suits tradespeople such as carpenters, plumbers, landscapers, mobile hairdressers
  • Cover your trade business for liability claims, theft of tools and personal accidents or illness
Professionals package
  • Suits professionals such as accountants, lawyers, consultants, dentists
  • Cover your professional practice from a range of common risks such as fire, accidental damage and theft as well as public liability
  • For extra protection, add cover for business interruption and general property
Commercial vehicles package
  • Suits retailers, lawyers, landscapers, electricians
  • Cover your business vehicles and trucks under 5 tonnes
Customise your own
  • Tailor an insurance package for your business from the comprehensive range of options in the 'Cover' section

 

For further details of what's included in these packages, see 'Cover' or talk to a business insurance specialist.

Which cover does my business need?

Protect the business you work hard for with comprehensive insurance options.

Choose a package

Convenient pre-designed packages are commonly selected by: small to medium sized businesses, trades, professionals, or businesses with commercial vehicles. Public liability and other insurance options can be added.

Or customise a package to suit your business

Design an insurance package to cover your business needs from the options below. Depending on your business, some of these cover options will be required as a minimum.

Fire and other damage

 

Cover your building and business contents for specified events such as fire, storm, impact, explosion and earthquake. Cover includes removing debris plus professional fees in repairing or replacing buildings eg architects.

 

Business interruption 

(Loss of Profit)

Cover loss of gross profit or gross rentals caused by an interruption to business as a result of damage for which you are covered under the Fire and Other Damage, Accidental Damage or Burglary Insurance policy sections. 

 

Glass

 

Cover broken glass, temporary replacement shuttering, replacing sign writing, repairing plastic signs up to $1,000, and the cost value of stock spoiled by broken glass.

 

Burglary

 

Cover stolen stock, electronic equipment and other contents from inside a building at the premises following forced and violent entry.

 

Money

 

Cover lost or stolen money discovered within five working days. Note: Doesn’t cover loss due to accounting or clerical errors or theft by staff; the latter is covered in the Fraud and Dishonesty policy.

 

Fraud and dishonesty 

 

Cover loss of money or goods as a result of any act of fraud or dishonesty committed by any employees, either acting alone or in collusion with others.

 

Equipment breakdown

 

Cover the cost of repairing or replacing certain mechanical and electrical devices, in the event of sudden and accidental failure of the equipment resulting in physical damage to the equipment.

 

Goods in transit

 

Cover loss or damage to goods in transit. Choose from two options. Option A: selected cover for loss or damage caused by specified events such as collision, overturning, derailment, fire, explosion, or theft following forcible and violent entry to the vehicle. Option B: selected cover for loss or damage during transit, loading and unloading.

 

Public and products liability

 

Cover legal liability if a third party decides to sue for personal injury or property damage caused by an occurrence connected with your business or products.

 

Accidental damage

 

Cover accidental loss or damage to business property, including buildings, stock, and electronic equipment insured at the business premises.

 

General property

 

Cover loss or damage to items specified such as mobile phones and laptop computers anywhere in Australia.

 
Tax audit

Cover reasonable professional fees (including accounting and legal fees) associated with a tax audit of the business.

 

Personal accident and illness

 

Cover a named individual to protect their income in the event of an accident and/or illness which prevents them from earning an income.

 

It's important to understand what is and isn’t included in your policy. For full details, check the Business Insurance Product Disclosure Statement and policy wording (PDS) which can be obtained by calling us on 1300 554 002.

To arrange cover for your business, talk to a business insurance specialist.

Call us

To find out more or get a business insurance quote, call a business insurance specialist on 1300 554 002 Monday to Friday 9am - 5pm

Visit a branch

Find your nearest branch

How to apply

Important information

The advice on this webpage is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before acting on this advice and making a decision about Commercial Insurance, you should consider the appropriateness and the relevant Product Disclosure Statement and policy wording (PDS) having regard to your personal circumstances. Obtain a PDS by calling 1300 554 002.

In accordance with the Insurance (Agents and Brokers) Act of 1984, Commercial Insurance contracts are effected with various insurers. BankSA - A Division of Westpac Banking Corporation ABN 33 007 457 141 (BankSA), acts as agents of the Insurers and not the insured and may receive commission when arranging cover under these policies.