Business Insurance Package
Business Insurance Package – Protect What You’ve Built
You’ve worked hard to establish and grow your business, and it makes sense to protect it from the unexpected. Even with the most diligent management, risks such as fire, theft, equipment breakdown, or liability claims can arise. The right business insurance package can help safeguard your livelihood, providing peace of mind and a clear path to recovery if things go wrong.
A business insurance broker can tailor and combine multiple types of cover under one convenient policy, ensuring your insurance solution meets the unique needs of your operation.
Why Choose a Business Insurance Package?
A business insurance package is a flexible, cost-effective way to manage risk. Instead of juggling multiple standalone policies, you can combine the protections your business needs most – all under a single, streamlined solution.
Common cover options include:
- Property – Protects buildings, contents, and stock from damage caused by fire, storms, and accidental events.
- Business Interruption Insurance – Covers the loss of income and extra operating expenses if your business can’t trade due to an insured event.
- Theft & Money – Protection against theft of contents, stock, or money.
- Broadform Liability – Covers your legal liability for third-party injury or property damage.
- Machinery Breakdown – Repairs or replaces machinery and equipment following breakdown or damage, including refrigerated or frozen goods protection.
- Employee Dishonesty – Financial loss from fraudulent acts committed by employees.
- Computers & Electronic Equipment – Covers fire, theft, accidental damage, and breakdown, plus related business interruption.
- Glass – Breakage of internal and external glass, including signage.
- General Property – Protection for portable tools of trade or professional equipment.
- Tax Investigation – Covers accountant or tax agent fees following an official audit or investigation.
Cover for Specialised Risks
Not all businesses are alike, and some require specialist protection. For example, companies running events may need event public liability insurance or public liability insurance for events to protect against claims if attendees are injured or property is damaged. By including these covers within a broader business insurance package, you can simplify your risk management and avoid costly oversights.
Industries We Assist
Whether you operate in retail, manufacturing, warehousing, transport, construction, hospitality, or professional services, McKenzie Ross can tailor a package to suit. Our brokers understand the insurance needs of diverse industries and have access to both Australian and international markets to secure the right policy at a competitive price.
Why Partner with Us?
We take the time to understand your business, assess your risks, and design an insurance package that works for you. Our expertise allows us to combine core covers like business interruption insurance with more specialised protections, ensuring nothing is left to chance.
Key Benefits Of Using McKenzie Ross
High level assurance that risks are transferred where intended.
A greater understanding of the risks retained in your organisation, some of which may require alternative management methods.
A formal process of risk identification that demonstrates good corporate governance to stakeholders.
Linkage between insurance and your organisation’s overall process for risk management.
Enhanced ability for ‘insurable’ risk to be transferred to insurance markets in the best possible light by demonstrating sophistication in identification and analysis.
