An independant Australian Company owned by locals

Business Package

Business Packages are a diverse and flexible insurance coverage.

These policies are best suited to SME businesses as multiple sections of cover can be selected & tailored to your specific needs. These policies are typically used to protect business assets, profits, liabilities and other protections critical to your business.
Teamcare will work with you to perform a needs analysis on your risk. This process will ensure a tailored solution is presented which meets your specific requirements.
* Please note the below cover features are a list of the more common sections of this policy type. It is not an exhaustive list of covers available. Some features may not be offered by certain insurers or on specific risks. This is intended to be used as a guide only for informative purposes.

Property Damage

Cover for physical loss and/or damage to your property during the policy period. Can include items such as Stock, Contents & Buildings

Glass

Covers costs following breakage of glass & signwriting owned by you or where you have a legal responsibility to insure internal & external glass breakage under a rental agreement.

Burglary &/ or Theft

Covers physical assets that are stolen or damaged following a break in, armed robbery or committed by persons concealed on the premises. Protections can be extended to include cover for "theft from the open-air" and "theft without forcible & violent entry".

General Property

Covers loss of or damage to specified portable property, like tools & electronic equipment, that are used Australia Wide.

Business Interruption

Cover for financial loss like gross profits, wages and additional costs of working, if your business assets suffer an indemnified peril such as Fire, Storm or Accidental Damage as defined.

Machinery & Electronic Breakdown

Damage/ Business Interruption losses.

Covers costs associated with the sudden unforeseen mechanical or electrical breakdown of plant, machinery & electronic items. Can be extended to cover consequential losses (business interruption) suffered as a result of items breaking down.

Public & Products Liability

Indemnifies a legal liability settlement & legal fees, if your insured negligent failure causes bodily injury or property damage to a third party. This may arise out of your business operations or nature quality or condition of your products.

Other Risks

Other Risks & Perils may be insured by tailoring other cover sections, please ring now to discuss.