Business Package

Your business matters

Specialising in the small to medium business insurance market, Barrenjoey Insurance Brokers prides itself on offering experienced service and advice to a demographic that regularly receives a disservice from many insurers when dealing direct. Barrenjoey recognises that all industries are different and offer the complete service to a vast range of businesses from manufacturers & tradesman to retailers & office professionals.

With the right cover in place, owners can run their business with confidence, knowing that their Premises, Stock, Equipment and Reputation are protected by insurance.

Our Business Package Insurance policies cover a range of risks factors associated with a variety of occupations by offering various sections of cover to provide a tailor-made policy relevant to a businesses activities. These insurable sections include:

Property Damage

Repair or replacement of property damaged.

Business Interruption

Loss of trading profit following insured damage to property and additional costs and expenses incurred during a claim.

Theft

Repair or replacement of property stolen.

Money

Loss of money.

Public or Products Liability

Your liability to pay compensation for personal injury and property damage as well as 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.

Transit

For stock that is in transit on the road, in the air or by sea.

Electronic Equipment Breakdown

For repairing or replacing electronic equipment that breaks down.

Machinery Breakdown

Cover for costs associated with machinery breakdown.

General Property

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

Tax Audit

To cover the costs of being audited by the ATO.

Employee Dishonesty

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

"Having the right insurance will help protect your business and minimise its exposure to risk.
This may include insuring your business, your income and your commercial risk."
-Department of Innovation, Industry and Science, 2018

Did you know?

The cost of natural disasters to Australian business, government and communities is estimated to reach $33 billion by 2050.

(Australian Business Rountable, The
Economic COst of the Social Impact of
Natural Disasters, 2016)

According to Inside Small Business, only 16% of SMEs have a financial back-up plan in place, while 35% said they’d need to cut spending and limit their lifestyle if they were unable to work.

(Inside Small Business, ‘Seven insurance
issues small-business owners should
consider in 2017’, 2017)

Sole traders were the least likely of businesses to be insured, (24%), followed by small businesses operating from home (21.4%).

(ICA, Non-insurance in the Small to
Medium Sized Enterprise Sector, 2015)

Business Insurance

Personal Insurance