Business Package

Making it easier to keep your business going

  • Around 4,000 occupations covered from retail & hospitality to manufacturing
  • Pay your premium monthly at no extra cost

Protection for small to medium size businesses

QBE Business Insurance packages can help protect your investment, your assets and your employees. The reality is your business will always be exposed to risks, from public liability to equipment breakdown. Make sure these interruptions don't cost your business with:

  • Up to $10 million cover for combined property and business interruption
  • A wide range of risk protection with 14 cover options
  • Cover that can be tailored to suit the individual needs of your business

Our partners at QBE will build a business insurance package to suit your needs, including cover for:

  • Property

    Buildings, contents and stock against fire, impact, storm, vandalism, explosion and other perils. Plus architects, surveyors and legal costs, removal of debris and temporary protection of their premises.

    For example a fire damages your business premises. QBE will cover the costs of repairing your premises and replacement/reimbursement for your contents and stock.

  • Business interruption

    Losses incurred during the interruption of trading following a fire or other insured event.

    For example a fire damages your business and you are unable to trade. Your loss of income is covered.

  • Theft

    Business contents and stock protected against theft including allowances for seasonal increases in stock.

    For example your business is burgled and stock is stolen and/or damaged. QBE will pay the current value of the stock at the time of loss.

  • Money

    Cash cover on business premises, in transit, in a locked safe at your home or in a locked ATM on the business premises, including allowances for seasonal increases in takings.

    For example your day’s takings are stolen while on the way to the bank. QBE will cover the loss up to the sum insured that you have nominated.

  • Glass

    Breakage of internal and external glass and signs.

    For example your shop front is maliciously damaged by vandals. QBE will pay the cost of replacement.

  • Machinery breakdown

    Damage to machinery caused by breakdown, or to boilers and pressure equipment caused by explosion or collapse.

    For example your air conditioner stops working. QBE will cover the cost of repair or replacement.

  • Electronic equipment

    Breakdown and associated business interruption cover for computers and electronic equipment.

    For example your computer breaks down. QBE will cover the cost of repair or replacement where repair is not economically viable.

  • Broadform liability

    Legal liability to pay compensation for personal injury or property damage, including optional extensions relevant to specific electrical and motor trade occupations.

    For example a member of the general public trips and falls while on your business premises. QBE will cover the legal cost and damages if you are found liable.

  • General property

    Property used away from the business premises, such as tools of trade, laptops and mobile phones.

    For example your laptop is stolen from your locked vehicle. Where this item has been specified in the Schedule QBE will replace the laptop including any carry case.

  • Employee dishonesty

    Fraud or dishonesty committed by employees.

    For example your employee has been stealing money from the business. QBE will pay for the loss of money.

  • Tax audit

    Professional fees paid in connection with an audit or investigation related to liability to pay tax.

    For example your business is being audited by the ATO. QBE will pay for fees of an accountant engaged by you in connection with the audit.

  • Transit

    Loss or damage to goods while in transit by road, anywhere in Australia, on a vehicle owned or operated by the insured.

    For example your goods are damaged in a collision whilst in transit in your vehicle. QBE will pay to replace the items damaged by you.

  • Statutory liability

    Investigation and defence expenses, including some penalties, arising from any breach of environmental or occupational health and safety legislation.

    For example your business is being sued for breaching OH&S legislation. QBE will pay for the investigation and defence costs.

  • Employment practices

    Employment related wrongful acts committed against an employee.

    For example your business is being sued for defamation. QBE will pay the damages awarded against you, if you are found liable.

Can we also suggest?

Important things you should know: This is only a summary of the benefits included with your insurance policy. QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545 is the issuer of this Business Insurance. The product is not a product of, nor guaranteed by, Bankwest. Any advice given in these pages is of a general nature only and has been prepared without consideration of your objectives, financial situation or needs. You should consider this information in light of your objectives, financial situation or needs before acting on the information. To decide if the product is right for you and for full terms and conditions (including limitations and exclusions), please read the Policy Wording. Bankwest will receive a commission payment of up to 15% of the premium for a policy sale. To find out how we manage your personal information, please see our Privacy Policy.

© 2017 Copyright Bankwest, a division of Commonwealth Bank of Australia (Bankwest) ABN 48 123 123 124 AFSL / Australian credit licence 234945. All rights reserved. To use this Website, you are required to read the Financial Services Guide (which you agree to be provided by accessing the link). Bankwest is a division of Commonwealth Bank of Australia, which is the product issuer unless otherwise stated. Rates stated are subject to change without notice. Any advice given does not take into account your objectives, financial situation or needs so please consider whether it is appropriate for you. For deposit and payment products, please ensure you read and consider the Product Disclosure Statement (which you agree to be provided through this link) before making any decision about the product(s). For lending products, lending criteria and fees and charges apply. Terms and conditions apply and are available on request.