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Business & Motor Fleet Insurance

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Business Insurance

Business insurance is commonly arranged through a Business Pack policy, which allows multiple covers to be packaged into one flexible insurance program.
Depending on the type of business, a Business Pack can include cover for:

  • Contents and stock
  • Building (where owned or contractually required)
  • Theft and burglary
  • Public & products liability
  • Business interruption
  • Machinery breakdown
  • Glass, money and portable equipment

Business Pack policies are designed to suit a wide range of businesses, from professional offices and retail operations, to warehouses and light industrial risks.
However, depending on the nature of the business and the level of exposure, some sections of cover may be better arranged as standalone policies. Examples include: 

Electrical substation with transmission towers and construction cranes at sunset.
Public & Products Liability
Construction & High-Risk Trades
Liability sections within a Business Pack are often designed for lower risk occupations. Contractors, civil operators, and businesses involved in the built environment typically require standalone liability policies with broader wording and higher limits.
Manufacturing line in a factory.
Machinery & Equipment Breakdown
Manufacturing & Cold Storage
Engineering or equipment breakdown cover offered within a Business Pack may have lower limits and restricted coverage. Businesses that rely heavily on plant, refrigeration systems, production lines, or specialised machinery often require a dedicated Engineering Insurance policy.
Interior of a large warehouse with tall storage racks.
Business Interruption
High Turnover Businesses
Business interruption sections within a Business Pack can sometimes have short indemnity periods or simplified calculation methods. Businesses with complex supply chains or longer recovery periods may require higher limits and extended indemnity periods arranged separately.
Close up of hands typing on a laptop.
Cyber Risk
Professional & Technology Businesses
Most Business Pack policies either exclude cyber risk entirely or provide very limited protection. A standalone Cyber Insurance policy can provide cover for data breaches, ransomware events, system outages, and regulatory investigations.
Post its on a modern office whiteboard.
Professional Services
Consultants & Designers
Businesses that provide professional advice, design, engineering or consulting services generally require Professional Indemnity Insurance, which is not covered within a standard Business Pack.
Looking up at modern glass skyscrapers against a blue sky.
High Value Property Risks
Where total property sums insured exceed $10 million (excluding liability), insurers will typically require the risk to be placed under an Industrial Special Risks (ISR) policy rather than a Business Pack.

Understanding when a Business Pack is appropriate – and when certain exposures require specialist policies – is an important part of structuring an insurance program that properly reflects the risks of the business.

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Insurance Union are trusted insurance brokers with over 30 years of combined experience. 

Motor Fleet Insurance

Motor Fleet Insurance provides cover for businesses that operate multiple vehicles are part of their operations. Rather than insuring vehicles individually, a Fleet Policy allows vehicles to be managed under a single program, simplifying administration, offering more consistent coverage, and providing flexibility as vehicles are added or replaced. 

Fleet Policies can cover a wide range of vehicles including:

  • Cars and utes 
  • Vans and light commercial vehicles 
  • Trucks and heavy vehicles 
  • Trailers and specialised vehicles 
  • Plant & equipment (registered and unregistered)

Cover typically includes accidental damage, theft, fire and third party liability. 

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