Business Packs.
Managing separate policies for liability, property, and interruption means multiple renewal dates, different insurers, and gaps you won't know about until you need to claim. A business pack bundles it all into one - one premium, one renewal, one policy built for how your business actually runs.
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About This Cover
Business insurance packs - what they are and what they bundle
Think of business packs as your all-in-one insurance bundle. Instead of juggling multiple policies, business packs wrap everything into one neat package that's easier to manage and often cheaper, too.
You pick the covers that suit your business, and we bundle them into one handy policy. Your premium depends on the type of business you run, what you're covering, and the risks involved in your industry. As your business grows or changes, you can tweak your cover to match - no stress.
It's a smart way to make sure you're not missing any important cover - and you won't be paying for stuff you don't need.
What's Included
What's included - standard covers in a business pack policy
Public & Products Liability
Protects you if a third party is injured or their property is damaged by your business activities or products.
Property Damage
Covers your business contents, stock, and equipment at your premises against damage or destruction.
Specified Property Damage
Covers nominated high-value items specifically against accidental damage or theft - listed individually in your policy.
Property in Transit
Keeps your goods covered while being transported - whether by your own vehicles or via courier or freight.
Business Interruption
Covers lost income when your business can't operate after an insured event - fire, flood, or other covered loss.
Theft & Burglary
Protection against losses from break-ins, forced entry, and theft by external parties from your business premises.
Glass Cover
Pays to replace broken glass at your premises - shopfronts, internal partitions, signage, and display cases.
Legal Protections
Covers exposure to legal disputes, statutory fines, and compliance-related costs that can arise in the course of business.
Who Needs This
Who needs a business pack - Australian businesses that benefit most
Retail Businesses
Shops, boutiques, and e-commerce businesses with physical premises need cover for stock, property, liability, and interruption.
Service Businesses
Tradies, contractors, consultants, and freelancers who need a comprehensive bundle without managing multiple separate policies.
Hospitality
Cafes, restaurants, bars, and hotels where customer interactions, food handling, and premises risk demand comprehensive cover.
Manufacturers & Wholesalers
Businesses with significant stock, equipment, and products liability exposure benefit from bundling these covers together.
Tech Companies
Businesses with valuable hardware, software IP, and client-facing services that need both property and liability protection.
Healthcare Providers
Clinics and healthcare businesses needing an all-in-one policy covering premises, equipment, liability, and interruption.
Why Co-Pilot
Why Co-Pilot for business packs - not just any broker
We work for you, not the insurer
Co-Pilot is an independent broker. We're not aligned with any single insurer - so the pack we recommend is the one that suits your business, not the one that earns us the most.
Insurer relationships that open doors
With 90+ insurers on our panel, we find competitive options across every industry type - retail, hospitality, trades, healthcare, and more.
Honest advice on which covers you actually need
Business packs can include covers you don't need and miss ones you do. We review your business and build the bundle that fits - nothing surplus, nothing missing.
Clear communication, no surprises
We explain what's in your policy and what isn't - before you sign. And as your business changes, we adapt your cover to match.
Industrial Specialised Risk
In regard to property loss -
ISR cover typically includes:
For businesses with significant physical assets, Industrial Special Risks (ISR) policies provide broad protection. Here's what is typically covered under property loss provisions.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Business Packs
Juggling multiple policies?
Let's bundle it into one.
Tell us your business. We compare 90+ insurers to build the right pack - the right covers at the right price, not a one-size-fits-all product.