SME BUSINESS COVER
Business Insurance Package for Australian SMEs
A business pack can bring your core covers into one policy so renewals, claims and premium funding are easier to manage.
Search intent
Why SMEs outgrow one-size-fits-all policies
Most small businesses start with basic liability or contents cover, then add equipment, stock, leases, online systems and staff. That growth can create gaps unless the policy is rebuilt around the real operation.
Built for business owners comparing all-in-one cover instead of separate policies.
Different renewal dates
Separate policies make it harder to see what is covered, what has changed and what needs updating each year.
Underinsured property
Fit-out, contents, stock, glass and electronic equipment can be missed when the policy schedule is too generic.
Income exposure
Property damage is only part of the risk. Many SMEs also need business interruption cover if trading stops after an insured event.
Cover structure
What can be built into a business package
The final policy depends on occupation, turnover, property values and insurer appetite, but these are the sections we commonly review.
Public and products liability
Cover for third-party injury or property damage claims connected to your business activities or products.
Property, stock and contents
Building, contents, stock, fit-out, glass and general property options for your premises and portable items.
Business interruption
Lost gross profit, additional costs and increased working costs after an insured property event.
Theft, money and equipment
Optional sections for theft, money, machinery breakdown and electronic equipment depending on your operation.
Who it helps
Typical businesses we structure packages for
Broker process
How BOK structures your business pack
Map the business
We review your occupation, premises, turnover, leases, stock, equipment and interruption exposure.
Compare the market
We approach suitable insurers and compare terms, limits, excesses, exclusions and optional sections.
Keep renewals useful
At renewal, we check whether the business has changed before rolling cover forward.
Keep browsing
Related cover to review next
Public Liability Insurance
Public liability insurance advice for Australian businesses, trades and professionals. Compare limits, exclusions, contracts and insurer appetite with BOK.
Open pageBusiness Contents Insurance
Business contents insurance for stock, fit-out, equipment and portable property. Broker-led cover reviews for Australian offices, retailers and SMEs.
Open pageOffice Insurance
Office insurance for professional firms, consultants and service businesses. Review contents, liability, interruption, cyber and professional risk exposures.
Open pageFAQs
Common questions about business insurance package
Is a business insurance package the same as public liability?
No. Public liability is usually one section of a broader business package. A package can also include property, stock, theft, glass, interruption and other sections.
Can a business pack include professional indemnity?
Some professional exposures need a separate professional indemnity policy. We check whether it should sit beside the business pack rather than assuming one policy covers everything.
Can I pay business insurance monthly?
Often yes. Premium funding may let you spread annual premiums into monthly payments, subject to finance terms and approval.
With B Ok, you'll be OK
Need this cover reviewed?
Tell us what your business does, what you already have in place and what contracts or assets need protecting. We'll help you compare suitable options.