Running a business means managing risk every day — whether it’s damage to your premises, a liability claim, or an unexpected interruption to your income. Business Package Insurance is designed to bring several key covers together under one policy, helping protect your business against the risks you’re most likely to face.

At Rivergum Insurance Brokers, we arrange Business Package Insurance that’s practical, tailored, and aligned to how your business actually operates.

What Is Business Package Insurance?

Business Package Insurance combines a range of common business insurance covers into a single, flexible policy. Rather than holding multiple separate policies, you can manage your core covers together — with one renewal date and a clearer overall picture of your protection.

Each policy is tailored to suit your business, taking into account:

• Your industry

• Your premises and assets

• How you operate

• Your risk profile

This type of cover is commonly used by Australian small to medium-sized businesses, including retailers, hospitality operators, trades, professional services and home-based businesses.

What Can Be Covered?

Business Package Insurance can be structured to include the covers most relevant to your business. Common sections include:

Business Property & Assets

Cover for buildings (if owned), contents, stock and equipment against insured events such as fire, storm, theft and vandalism.

Public & Products Liability

Protection if your business activities cause injury to a third party or damage to their property, or if a product you supply causes harm.

Business Interruption

Cover to help protect your income and ongoing expenses if your business is disrupted by an insured event.

Theft, Money & Glass

Cover for:

• Theft or burglary

• Money on premises or in transit

• Accidental breakage of internal or external glass

Portable & Electronic Equipment

Cover for tools, machinery, laptops and other essential equipment, whether on-site or away from your premises.

Optional Additional Covers

Depending on your needs, a Business Package can also include options such as:

• Equipment or machinery breakdown

• Employee dishonesty

• Management or statutory liability

• Tax audit costs

• Cyber insurance

• Commercial motor vehicles

Why Business Package Insurance Makes Sense

Simpler to Manage

One policy, one renewal and clearer oversight of your business insurance.

Tailored, Not Generic

You choose the sections and limits that suit your business — nothing more, nothing less.

Cost-Effective

Bundling covers is often more economical than arranging multiple standalone policies.

Designed for Real-World Risks

Covers many of the most common exposures faced by Australian businesses.

What’s Not Automatically Included?

Some covers usually sit outside a standard Business Package and may need to be arranged separately, including:

• Professional Indemnity Insurance

• Workers’ Compensation (where required by law)

• Certain specialised or industry-specific risks

As part of our advice process, we’ll help identify any gaps and discuss appropriate solutions.

Is Business Package Insurance Right for Your Business?

Business Package Insurance is often suitable if your business:

• Operates from a premises

• Owns stock, tools or equipment

• Interacts with customers or the public

• Relies on consistent income to operate

If that sounds like your business, this type of policy can form a strong foundation for your overall insurance program.

Why Arrange Your Business Insurance Through Rivergum?

Insurance isn’t one-size-fits-all. As brokers, our role is to:

• Understand how your business operates

• Identify and explain your key risks

• Source and compare cover from leading insurers

• Arrange insurance that’s appropriate and fit for purpose

• Support you through the claims process if something goes wrong

Our focus is on long-term protection, not short-term sales.

Speak With Us

If you’d like to discuss Business Package Insurance or review your existing cover, our team is here to help.

Contact Rivergum Insurance Brokers to arrange a conversation about your business and your insurance needs.