We have simplified the traditional business insurance product while ensuring there are flexible insurance options for most small businesses. We offer a wide range of covers designed to meet each customers unique needs.
This provides cover for the building if the business owns it and cover for the business’s contents and stock. You can select a sum insured up to $5m at each location (combined with Business Interruption) and there are a range of extra benefits like Catastrophe Escalation Costs, Employees Personal Property and an optional Flood cover.
If the business is interrupted following a claimable event, this covers the shortfall in the Gross Profit. The Business is covered for the time the business is interrupted up to the indemnity period. There are optional covers for Additional Increased Cost of Working and Claims Preparation.
We will cover the business’ legal liability to pay for compensation and costs awarded against the business for personal injury, property damage or advertising liability. The business can take a $10m or $20m limit of liability and we will work with you to defend any claims or legal action against you.
Theft, money & glass
Under this section we provide cover for Theft or attempted Theft, we provide a range of options to protect the business’s Money and will replace Glass that is damaged.
Portable business contents
We provide cover for unforeseen accidental damage to business contents that are portable and taken away from the business premises. This cover extends to anywhere in Australia and there is the flexibility to cover a range of items under one limit or specify the items more than $2,500
We will cover you for breakdown of your plant and machinery or items of electronic equipment. There is the flexibility to take a blanket cover up to $10k or $20k for all your machinery or to specify machines or electronic equipment.
Clover Insurance Pty Ltd (ABN 19 653 550 371, AFSL 538528) is authorised by RAC Insurance Pty Limited (ABN 59 094 685 882, AFSL 231222) as an agent to issue OneBusiness Pack. This is general advice only provided by Clover under its AFSL and does not take your personal objectives, financial situation or needs into account and may not be right for you. Always read the PDS and any other relevant policy documentation, available via your broker, before making any decision.