Comprehensive Business Insurance Australia

Get a comprehensive Business Insurance package which covers your business for multiple risks within one policy. It's insurance designed for SME business which allows you to get on with growing your business with confidence.

What is it?

A Business Insurance Package policy is designed specifically for SME businesses. It provides multiple forms of coverage within one combined policy which saves you (the business owner) time and money.

We are able to offer our clients comprehensive Business Insurance which protects their businesses in an ever-changing risk environment.

Who needs Business Insurance?

A Business Insurance Package policy is suited to any SME to Large business which has multiple risks to insure. These types of policies are well suited to companies who have dedicated business premises whether it be a factory, warehouse or professional office. A Business Insurance package can be tailored to suit many different types of businesses.

What is covered?

At Crucial Insurance, we have negotiated preferred business pack wordings with all the major Australian Insurers including CGU, QBE, Allianz, Zurich, Vero, Chubb, AIG and more. The benefits available under our Business Package wordings are significant and include the following policy sections:

Property including Fire and other events such as Accidental Damage, Flood and Earthquake

Business Interruption Insurance

Theft / Burglary



Equipment Breakdown including mechanical and electrical equipment

Portable Equipment and Tools of Trade

Tax Audit and Investigation

Management Liability

Employee Dishonesty

Public & Product Liability Insurance

What's not covered?

A Business Insurance Package will generally not cover the following:

Incidents or claims known prior to the policy commencing

Business conducted in the USA / Canada unless agreed in writing

Injury to your employees which is Workers Compensation Insurance

Claims arising from a professional services or advice (see Professional Indemnity)

Claims made against directors and officers (see Management Liability)

Claims arising from intentional acts

Your business becoming insolvent

Claims arising from your digital network / data breach (see Cyber Insurance)

To get a quote that provides you with the right cover it's important you speak with a Business Insurance expert who can advise you how best to design your Business Insurance Package.