Name: Protego Insurance
Address: Lvl 2, 307 Peachey Road, Munno Para, SA, 5115, AU
Telephone: 08 6374 7128

Business Pack InsuranceSeveral covers bundled into one policy — property, contents, stock, glass, interruption, liability — sized to the business rather than sold as a fixed bundle.A business pack bundles the covers most trading businesses need into a single policy with one renewal date and one point of contact. What goes in the pack is the whole conversation: the bundle should be built around what you actually do, not the other way round.What it can cover

Property and contents — the building if you own it, and the fit-out, plant and stock inside it

Business interruption — the income you lose while you're not trading after an insured event

Public and products liability — injury or damage you cause to someone else

Glass, money, theft and machinery breakdown, where they're relevant to how you trade

Portable and valuable items that leave the premises with you

Who it may suitA business pack may suit a business trading from premises with stock, equipment or a fit-out to protect. Whether it's appropriate for you depends on your own circumstances — read the PDS and TMD before deciding.Worth thinking about

Business interruption is the cover most often left out and most often needed. Rebuilding is one cost; the months of lost trading while you rebuild is usually the bigger one.

Sums insured drift. Fit-outs get upgraded and stock levels change, and a figure set three years ago may no longer rebuild what you have.

Under-insurance can reduce what's paid at claim time, not just cap it — worth checking the basis of settlement, not only the number.

Every pack carries exclusions and excesses. We'll walk you through the ones that apply to your trade before you commit, not after.

Important informationProtego Insurance Pty Ltd ABN 55 699 311 558 is a Corporate Authorised Representative (CAR 001322006) of Sirius Insurance Pty Ltd ABN 60 606 142 027, AFSL 550946.The information on this website is general in nature and does not take into account your objectives, financial situation or needs. Before making any decision about any insurance product, consider whether it is appropriate for your circumstances and read the relevant Product Disclosure Statement(s) (PDS) and Target Market Determination(s) (TMD).

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