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Our small business insurance package has a number of elements, including Public & Products Liability and Building & Contents Insurance (either of which must be taken at a minimum).
Plus a number of optional covers as follows:

Public & Products Liability Insurance

Covers you for your legal liability to pay compensation due to injury to a third party or damage to their property in the course of carrying out your business.

Building & Contents Insurance

Damage to Buildings or Contents

This section covers Loss of or Damage to the Business Property at the Business Premises caused by the events listed under Defined Events Cover and Accidental Damage Cover, for example a fire or storm.
Business Interruption

This section covers loss of Revenue or Gross Profit and/or additional / increase in cost of working resulting from interruption of or interference with the Business as a result of a Business Property claim (e.g. Fire, Storm).
Additional Increased Cost of Working

Covers costs associated with avoiding or diminishing a reduction in income due to a property claim (e.g. Additional Rent and Moving costs).
Money

This section covers Loss of or Damage to the Business Money whilst on the Business Premises in a Safe or Strongroom, in transit to or from the Premises, or in your personal custody, or the custody of a trusted employee.
Theft

This section covers Loss of or Damage to your Contents, Stock or Specified Items due to theft.
Glass

This section covers Accidental Breakage of Glass at the Business Premises.
General Property

This section covers Loss of or Damage to portable items of property, which you usually carry around with You in the course of the Business, which occurs anywhere in Australia or the rest of the world.
Machinery and Electronic Breakdown

This section covers damage to Machinery, Computer Equipment and Electronic Equipment due to a breakdown.

Tax Audit

This section covers the professional fees incurred in connection with an audit or investigation of the Business tax affairs by any authority authorised to do so, for example the Australian Taxation office.

Employee Dishonesty

This section covers you against Loss of Money, negotiable instruments or goods due to any act(s) of fraud or dishonesty committed by an employee for their own gain or the financial benefit of any other person or organisation.

Policy Features

Price Business

Insurance premiums are determined by your Occupation, Employee numbers and Turnover and all insurers charge a minimum premium in this regard.

We believe we have negotiated highly competitive Business Insurance premiums, and will continue to monitor premium levels available in the market to ensure this remains the case.

Insurer

Your Business Insurance policy is arranged by Fenton Green Pty Ltd (CAN 654 488 427 CAR No 1293397) a Corporate Authorised Representative (CAR) of Edgewise Insurance Brokers Pty Ltd (ACN 120 673 261, AFSL 307654 acting as an agent of Berkley Insurance Aust ralia, a registered business name of Berkley Insurance Company (ABN 53 126 559 706) and part of the W.R.Berkley Corporation.

Berkley Insurance Australia underwrites a significant portfolio of general insurance business in Australia. They are fully authoris ed and regulated by the Australian Prudential Regulator Authority (APRA) which is the prudential regulator of the Australian financial services industry.

The financial strength rating of Berkley Insurance Australia is "A+ (Strong)" by Standard & Poor's.