SME Business Pack insurance is designed to help small and medium businesses manage a range of common business risks through one policy.
Depending on the cover selected, it may help protect areas such as business property, liability, business interruption, theft, money, machinery breakdown, electronic equipment and other risks.
SME Business Pack insurance may be suitable for businesses with an annual turnover of up to $20 million and up to 99 employees.
Marsh can help you understand the available cover options and the information needed to arrange a business pack policy.
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SME Business Pack insurance helps small and medium businesses bring a range of cover options into one policy. Depending on the cover selected, it may include property, liability, business interruption and other business risks.
SME Business Pack insurance may be suitable for businesses with an annual turnover of up to $20 million and up to 99 employees. Eligibility and cover still depend on underwriting and policy terms.
The supporting material refers to a broad range of occupations across industries, including construction, real estate, professional services, transport and warehousing.
No. Cover depends on the sections selected, Policy Schedule, limits, excesses, conditions and exclusions. The policy wording says the Policy Schedule sets out the cover chosen and terms specific to the insured.
Yes. Marsh can help you understand the available cover options and the information needed to arrange a business pack policy.
Depending on the cover selected, a business pack policy may include property, business interruption, liability, theft, money, machinery breakdown, electronic equipment and other sections. The cover that applies will be shown in the Policy Schedule.
Flood cover may be available as an optional cover, but only where it is shown in the Policy Schedule as applying. Businesses should check the Policy Schedule and policy wording to understand whether flood is included.
No. Business interruption cover only applies when it has been selected and shown in the Policy Schedule. The amount payable also depends on the cover selected, the loss circumstances, limits, excesses and policy terms.
The Policy Schedule sets out the cover you have chosen and any terms specific to your policy. It should be checked carefully when the policy is issued or renewed to make sure the details reflect your business.
Yes, your insurance needs may change if your business changes location, adds equipment, changes activities or grows. It is important to review your Policy Schedule and cover selections when business changes occur.
This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.
Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238 983) (“Marsh”) and Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369) (“MAI”) arrange the general insurance (i.e. not the Discretionary Trust Arrangement) and are not the insurer.
Discretionary Trust Arrangements are issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417 964) (“JGS”). Any advice or dealing in relation to a Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). The cover provided by a Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.
For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements (PDSs) available from the relevant product issuer. Target Market Determinations (TMDs) are available here.
Marsh, MAI, JGS and JLT are all businesses of the Marsh group.
LCPA 26/3449
