Business Package
WE'VE GOT YOU COVERED
Business Insurance for Australian Businesses
Protect your business, reputation and cash flow with business insurance tailored to the size, industry and risks of your company. Whether you run a retail store, professional practice, café, manufacturing site or service business, Bracesure sources competitive cover from multiple insurers so you get the right protection at the best price.
What this cover does
Business insurance is an umbrella for the core commercial risks businesses face. Typical covers include:
Repair or replacement of property damaged
Covers loss of income and turnover following insured damage to property and
additional costs and expenses incurred during a claim
Repair or replacement of property stolen
Loss of money.
Your liability to pay compensation for personal injury and property damage as well as
the costs involved in defending a claim triggered by the policy.
For replacing glass inside or outside your premises, including your shopfront
windows, mirrors or display cases
For stock that is in transit on the road, in the air or by sea
For repairing or replacing electronic equipment that breaks down
Cover for costs associated with machinery breakdown.
To cover your tools of trade, including laptops and tools that you use for your profession or trade.
To cover the costs of being audited by the ATO
Direct financial loss of the business caused by the dishonest or fraudulent conduct of
an employee which is first discovered during the period of insurance.
Cyber, management liability, commercial motor
Why choose tailored business package insurance
A one-size-fits-all policy can leave gaps. At Bracesure we analyse your operations, turnover and contracts to design a program that meets legal, lender and client requirements.
- Financial protection for unexpected loss or damage
- Continuity planning — cover for revenue loss while you recover
- Legal defence costs for third-party claims
- Access to multi-insurer markets for competitive premiums
Who needs business insurance
Business insurance is essential for any organisation with premises, employees, suppliers or customers.
How premiums and sums insured are determine
Insurers assess risk by industry classification, annual turnover, location and claims history. Accurate sums insured reduce the chance of underinsurance.
Common exclusions & limitations
- Deliberate or fraudulent acts
- Wear and tear or gradual deterioration
- Unreported changes in use or significant renovations
- Certain natural perils unless specifically insured
Risk management & claims support
We help reduce risk through site reviews and provide claims support to speed recovery.
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Frequently asked questions (FAQs)
Premiums depend on turnover, industry, location and cover limits.
Yes — combining covers often reduces gaps and cost.
Typically within 24–72 hours once we have complete information.
It replaces lost revenue and continues fixed expenses after an insured loss.
Declare business use and value to ensure cover.
We can arrange multi-location policies to centralise cover and claims.
"Business insurance can protect the equipment and machinery you need to stay in business. It can ensure that you, your employees and any members of the public with whom you interact in your business are protected from the risk you face as a business owner."
Business insurance - Claims Example
Case Study
Rohan owns a shop in the city. One night a water pipe bursts, flooding the building and damaging his stock. Even worse, the building must be evacuated and renovated to repair all the water damage. This means that Rohan is unable to trade for six weeks.
Rohan’s business insurance covers the cost of the renovations. And, because he has business interruption insurance, he receives a payout to cover the income lost while he’s unable to trade.