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What is Business Pack Insurance

One flexible policy. Multiple covers. Tailored to your operations.

A Business Pack, also known as a Business Insurance Package or Commercial Package Policy, is a modular insurance product designed for small to medium-sized businesses. 

Rather than managing five separate policies with five separate renewals, a Business Pack lets you bundle the cover sections that matter to your business into a single, manageable policy.

Think of it as the foundation of your business insurance programme. You select the sections that apply to your operations such as property, liability, theft, business interruption, and more, and only pay for what you genuinely need.

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  • SME business pack insurance

Dudgeon Berry provides market leading insurance services, with over 85 years combined experience.

Your Whole Business Covered In One Policy

A Business Pack is not a one-size-fits-all product. The sections you select, the sums insured you nominate, and the insurer your broker places you with will all have a direct impact on the protection you receive. Getting it right requires an adviser who knows your business, and not just a comparison website.

Cover What it includes
Core covers
Property Damage Covers damage to your building and/or contents caused by insured events such as fire, storm, lightning, earthquake, and malicious damage. Available for building owners and tenants alike.
Business Interruption Also known as Loss of Profits cover. If an insured event forces your business to close or reduce operations, this covers your ongoing expenses and lost revenue while you get back on your feet.
Public & Products Liability Covers your legal liability for injury to third parties or damage to their property arising from your business operations or products. Essential for almost every business that interacts with customers or the public.
Theft & Burglary Covers loss of contents, stock, or equipment following forcible or violent entry to your business premises. Note: this is a separate section from contents cover — both must be selected to be protected.
Money Covers loss of money whether on your premises, in transit, in a locked safe, or at a bank. Available both within and outside business hours. Some policies extend to electronic funds transfer fraud.
Glass Covers accidental breakage of fixed internal and external glass, including shopfronts, mirrors, and signage. A straightforward and often low-cost addition for retail, hospitality, or office premises.
General Property Covers portable items such as laptops, mobile phones, tablets, and tools against accidental loss or damage anywhere in Australia, including away from your business premises.
Machinery & Equipment Breakdown Covers sudden, unforeseen breakdown of machinery, plant, electronic equipment, and business-critical technology. Particularly important for manufacturers, tradespeople, and hospitality operators.
Optional covers
Cyber Liability Covers losses from cyber events including data breaches, ransomware, and network interruption. Increasingly important as businesses rely on digital systems and hold customer data.
Tax Audit Covers professional fees incurred in responding to a tax audit by the ATO or a state revenue office. Relieves the financial pressure of an audit even when your books are entirely in order.
Employee Dishonesty Covers losses caused by fraudulent or dishonest acts by employees, including theft of money, stock, or business property. Available as an extension or standalone section with some insurers.
Environmental Protection Covers your liability for sudden accidental pollution events arising from your business operations, including clean-up costs and third-party claims for property damage or bodily injury.

Not all sections are mandatory. As your broker, Dudgeon Berry Insurance Group will help you work through which sections genuinely apply to your business. If you’re unsure where to start, contact us for an obligation-free conversation.

Business Pack vs Standalone Policies

Why a pack often makes more sense

For most small to medium-sized businesses, a Business Pack offers a simpler, more integrated approach to managing commercial insurance risk.

Recommended
Business Pack
✓
Renewal & admin
One policy, one renewal, one premium
✓
Tailored coverage
Select only the sections your business needs
✓
Claims management
One broker, one process — no matter which section is triggered
✓
Gap risk
Integrated policy structure minimises uncovered exposures
✓
Cost efficiency
Often more competitive as a bundled package
✓
Flexibility
Sections can be added or adjusted as your business grows
Alternative
Separate Policies
✗
Renewal & admin
Multiple policies, multiple renewals to track and manage
–
Tailored coverage
Possible, but requires more coordination across insurers
✗
Claims management
Multiple insurers, multiple processes — more friction at claim time
✗
Gap risk
Higher risk of gaps or overlaps between policies
–
Cost efficiency
Variable — can be higher overall depending on insurers used
–
Flexibility
Possible, but requires managing multiple insurer relationships
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Who Is Business Pack Insurance Suited To

If your business has assets, it has something to protect

Business Pack Insurance is designed for small to medium-sized enterprises (SMEs) across a wide range of industries. If you operate from a premises, hold stock or equipment, employ staff, or interact with clients and customers, a Business Pack is likely worth exploring.

It’s particularly relevant if you rent your premises as your landlord’s building insurance does not cover your contents, stock, fit-out, equipment, or your liability to customers and third parties.

A Business Pack is worth considering if:

  • You own or lease a commercial premises and want to protect what’s inside
  • Your business holds stock, plant, or equipment that would be costly to replace
  • You interact with customers or the public and want liability protection
  • Your cash flow would be seriously impacted if your business had to close temporarily
  • You want multiple types of cover managed through a single, straightforward policy

Professional Advice. Personal Service.

Industries We Commonly Assist

Retail
Trades & Construction
Hospitality & Cafés
Professional Services
Healthcare
Real Estate
Manufacturing
Wholesale & Distribution
Education
IT & Technology
Arts & Recreation
Motor Trades

Not on this list? Business Pack cover is available across most industries. If you’ve been declined by another insurer due to your industry, building type, or claims history, talk to us as we regularly assist with hard-to-place risks.

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A Common And Costly Problem

Underinsurance: the risk most businesses don’t see coming

Underinsurance occurs when the sum insured on your policy is set below the actual cost to replace or rebuild your assets at today’s prices. With asset values and building costs rising significantly in recent years, many businesses don’t realise they’re underinsured until a claim is made.

If you suffer a loss and are found to be underinsured, your insurer will typically only pay a proportionate share of the claim leaving you with a gap to cover out of your own pocket.

As your broker, part of our role is to help you review your sums insured at each renewal, flag any valuation concerns, and ensure your cover keeps pace with your business as it grows.

How to protect yourself from underinsurance

  1. Contents and stock: Your sum insured should reflect the full replacement cost of all contents with brand-new equivalents, not their current market or depreciated value.
  2. Building value: If you own your premises, your sum insured must cover a full rebuild at current construction rates including demolition costs, professional fees, and compliance requirements.
  3. Business interruption period: Your indemnity period should realistically reflect how long it would take your business to fully recover and return to pre-loss trading levels and not just reopen.

Why Choose Dudgeon Berry Insurance Group

We’re not a call centre. We’re not tied to one insurer. We’re an established brokerage with deep local roots in Northern Rivers and the Gold Coast with over 50 years of experience.

    1. Professional Advice

    With decades of experience across a broad range of insurers and industries, our advice is based entirely on what’s right for your business — not what’s easiest or most profitable to sell.

    2. We Know The Market

    Whether your business is in Lismore, Ballina, Byron Bay, the Gold Coast, or anywhere across Australia, we understand the risk landscape, including the realities of operating in flood-affected parts of Northern Rivers.

    3. Access To Multiple Insurers

    We place business across a wide range of insurers, giving your business genuine choice. If your industry or risk profile makes placement challenging, we have the market relationships to find solutions.

    4. Claims Support When You Need It

    When you make a claim, we manage the process alongside you liaising with the insurer, helping you prepare documentation, and advocating for a fair and timely outcome.

    5. Review At Every Renewal

    We don’t just roll policies over. Each renewal is an opportunity to revisit your sums insured, check coverage remains appropriate, and ensure you’re not paying for cover you no longer need.

    6. Real People, Not A Portal

    Every client has a real broker to call. No chatbots, no queues, no being passed around. When something matters, you speak to someone who knows your business and your policy.

    🏅 Mike Berry OAM

    Mike Berry is the Principal of Dudgeon Berry Insurance Group and a recipient of the Medal of the Order of Australia for his services to the Dunoon community. That recognition reflects something deeper — a genuine commitment to the people and businesses we serve, right across Australia.

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    Frequently Asked Questions

    What is Business Pack Insurance?

    A Business Pack is a modular, packaged insurance policy designed for small to medium-sized businesses. It allows you to combine multiple types of cover such as property damage, liability, theft, business interruption, and more into a single policy tailored to your specific operations and risk profile. Rather than managing five separate policies with five different renewals, a Business Pack brings your core cover together in one place.

    What does a Business Pack Insurance cover?

    Common sections include property damage (buildings and contents), business interruption, public and products liability, theft and burglary, money, glass, general property (portable items), machinery and equipment breakdown, and optionally cyber liability and tax audit. Not all sections are mandatory – you select what applies to your business.

    I rent my premises – do I still need a Business Pack Insurance?

    Yes. Your landlord’s building insurance does not cover your contents, stock, fit-out, equipment, or your liability to customers and third parties. As a tenant, you are responsible for insuring everything inside the premises that belongs to you, as well as any improvements or fit-out you have installed. A Business Pack protects your interests as a tenant.

    What is underinsurance and how do I avoid it?

    Underinsurance occurs when your sum insured is set below the actual replacement cost of your assets. If you suffer a loss and are underinsured, your insurer will typically only pay a proportionate share of the claim. To avoid this, ensure your sums insured reflect the full cost to replace contents at today’s prices and to rebuild structures from scratch. Dudgeon Berry Insurance Group reviews your sums insured at each renewal.

    Does a Business Pack Insurance include Workers Compensation?

    No, it doesn’t. Workers Compensation is a separate, mandatory policy regulated at a state level. It must be arranged independently of your Business Pack and applies to any business that employs staff. We can advise on your obligations and arrange cover alongside your Business Pack.

    My business has been declined by other insurers. Can you still help?

    Often, yes. As an experienced broker, we have access to a broad panel of insurers including specialist and wholesale markets. We regularly assist businesses that have been declined due to their industry, premises type, building construction, or claims history. Talk to us before assuming no cover is available.

    Why use Dudgeon Berry Insurance Group instead of going direct to an insurer?

    When you buy direct, you’re limited to that insurer’s products with no advisory support. At Dudgeon Berry Insurance Group we compare options across multiple insurers, assess your specific risk exposures, and place your cover in the right market for your business. We also manage claims alongside you when things go wrong, guiding you through the process and advocating for a fair outcome. That level of personal, expert service isn’t available when buying direct.

    How much does Business Pack Insurance cost?

    The cost depends on your industry, the cover sections you select, your sums insured, your claims history, and the insurer. Rather than quoting price ranges that won’t reflect your situation, we’d encourage you to contact us directly. We’ll ask the right questions and find the most competitive option for your business.

    Other Insurance Services

    Not sure what coverage you need or you haven’t seen it in our list of services? No problem, chances are we can still help. Get in touch today.

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    Connect with us Today

    We prioritise building strong relationships with our clients, based on trust, transparency, and personal service.

    Connect with us Today

    We prioritise building strong relationships with our clients, based on trust, transparency, and personal service.