Your all-in-one Policy
Business package insurance offers small to medium enterprises multiple cover options, providing cost-effective insurance for your business.
You only pay for what you require.
There are often exclusions, deductibles and limits which apply, so contact an Avoca Insurance Broker to discuss your specific insurance needs.
A typical Business Pack includes the following cover:
- Property Damage
- Business Interruption
- Burglary
- Money
- Glass
- General Property
- Machinery Breakdown
- Computer & Electronic Equipment Breakdown
- Public & Products Liability
- Tax Audit
- Employee Dishonesty
Frequently Asked Questions
Glass Insurance*
Glass insurance provides cover for breakage of internal and external glass and signage you own or for which you are legally responsible, at the insured premises.
What’s typically covered?
- External glass breakage
- Destruction of stock or contents (caused by broken glass that constitutes a claim)
- Signs made of glass or plastic which forms part of an illuminated sign
- Costs for after-hours service, express delivery and overtime by repairers
What’s typically NOT covered?
- Repair or replacement for glass:
- Which is stock
- Which is in poor condition (eg. chipped) when the period of cover commences
- Which is part of a greenhouse, computer screen, vase, television screen, radio, conservatory, or is damaged in transit
Things to consider
- Would the cost of replacing internal or external glass or a fixed mirror put financial pressure on your business?
- Does your commercial lease agreement require you to insure glass? This is a common requirement requested by landlords.
- Are you in an area that is prone to malicious damage to shopfronts, such as an entertainment or nightclub district?
This section covers your business for loss of money or contents caused by theft, fraud or dishonesty by an employee.
