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Business PackageTypes of insurance policies

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Essential policies

Cover against

Perishable food or stock deterioration

Cost of replacing food or other stock due to refrigeration or power failure.

Motor insurance

All company/business vehicles must be insured for third party injury liability. A comprehensive policy covers third party property damage and own damage.

Product recall

Cost of recalling a product, except for malicious acts, such as food tampering.

Tax audit

If you're audited by the Australian Tax Office, covers the cost of your accountant preparing information required to a fixed limit.

Trade credit

Losses causes by bad creditors, especially if the business relies heavily on credit, you are moving into a new market or dealing overseas on credit terms. It can also be used if your industry looks like it is heading into a downturn.

Unregistered equipment

Insures unregistered machines such as backhoes, excavators and diggers for damage as well as theft. You'll need a separate third party liability policy for these.

Weather

Loss of crops, trade or an activity not going ahead because of weather.

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