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Zurich Business Pack Insurance is a flexible business pack for Australian small-to-medium enterprises (SMEs) that combines property, liability, and business interruption cover in a single policy. Optional sections include burglary and money, equipment and plant breakdown, and glass.
Who is Zurich Business Pack Insurance for?
Australian business owners, operators, and their subsidiary companies typically small-to-medium enterprises seeking one consolidated policy instead of multiple standalone covers. Common users include retailers, tradespeople, professional services firms, hospitality operators, and light manufacturers.
What does Zurich Business Pack Insurance cover?
The Zurich Business Pack lets you select from a range of cover sections. Depending on your policy schedule, cover may include:
| Cover | What it protects | |
|---|---|---|
| Property | Physical damage to buildings, stock, machinery, and contents. | |
| Liability | Public and products liability for personal injury, third-party property damage, or advertising liability. | |
| Business Interruption | Cover for loss of business income resulting from an insured damage event. | |
| Burglary and Money | Loss or damage caused by theft, and loss of business money in transit or on-premises. | |
| Equipment and Plant | Breakdown of electronic equipment, computers, and engineering plant. | |
| Glass | Breakage of internal or external glass. |
Your broker can help tailor the combination of sections and limits to your industry and operations.
How the cover works in practice
These real-world scenarios show how Zurich Business Pack Insurance helps protect different business types:
Sanita owns a pharmacy. One morning she discovers the fridge displaying her probiotic treatments has broken down, creating a puddle of water on the floor. As she goes to retrieve the mop a customer enters the shop. The customer slips in the water and hits the floor, cutting his head.
The Protection
While Sanita's immediate concern was for her customer, once he was taken away in an ambulance it was then she breathed a sigh of relief. Her Business Insurance includes Machinery cover, which covered the cost to repair her fridge as well as replace the now spoiled probiotics. And thankfully because she also has Liability cover, her customer's medical expenses were covered.
Alan is a plumber working at a customer's house. He is digging holes along the boundary of the property and he doesn't realise he has significantly weakened the soil holding the neighbour's fence in place. When he arrives the next morning to continue his work, he finds the fence has completely fallen down overnight, collapsing onto the neighbour's car and significantly damaging it.
The Protection
While both the neighbour and his customer are very annoyed with Alan, his Liability cover means he can cover the cost of damage caused.
Delia owns three commercial units in a business park that she rents out. During a week of torrential rain, the business park is flooded.
The Protection
Fortunately, Delia's Business Insurance included standard flood cover, helping her pay for the repairs required to make the offices habitable again. And while these repairs were being made, Delia's additional Business Interruption cover replaced her lost rental income while the offices were unlettable.
What are the key exclusions and conditions?
Cover is subject to terms, limits, and exclusions set out in the Product Disclosure Statement (PDS) and policy wording. Major exclusions and conditions include, but are not limited to:
- Losses or liabilities arising from cyber incidents and data erasure
- Fines and punitive damages
- Claims relating to premises that have been left unoccupied for more than 90 consecutive days without prior agreement
Always read the full PDS and policy wording before purchasing.
How does an insurance broker help with Zurich Business Pack Insurance?
Zurich Business Insurance is available through licensed independent brokers. A broker will:
- Assess your specific business risks
- Recommend the appropriate combination of cover sections and limits
- Negotiate policy terms with Zurich underwriters on your behalf
- Assist you throughout the claims process
How to apply
Find an insurance broker with the free NIBA* Need a broker service or call NIBA on 1300 53 10 73
*NIBA is the peak body for professional insurance brokers in Australia.
Policy Documents
If you need to make a claim
When something unexpected happens, we will help you get back to business as quickly as possible.
- Contact your broker: They will help you lodge the claim and guide you on what documentation is required.
- Tell us what happened: Share the details, including when and where the incident occurred and what was affected.
- We will take it from there: A dedicated claims specialist will assess your claim and keep you updated throughout.
Priority Settlement Service for Property
We aim to pay your eligible small property claims within 24-48 hours. For property claims under $30,000, provide us with all the required information and we’ll pay the funds directly into your bank account.
Zurich Repair Network for Motor
Our Zurich Repair Network aims to make repairs easy and provide priority repairs for sedans, light vehicles, trucks, and trailers.
Ready to lodge a claim?
Contact your broker, or alternatively, you can call 1800 611 372 or lodge a claim online.
Award-winning service
Zurich has been recognised by the broker community in the 2026 Insurance Business Australia 'Brokers on Insurers' survey across key performance categories.
Zurich’s claims team continues to be recognised for excellent customer service, with an average 4.5 stars out of 5 claims rating (claimscomparison.com).
Zurich Risk Advisor helps you manage risk
The Zurich Risk Advisor app is a valuable digital tool that supports you with providing risk assessments and risk improvement advice over a range of issues.
You can conduct self-risk assessments on your business without assistance, with reports available for:
Most assessments have full and light versions. A full assessment can take 15-20 minutes and provides a more detailed assessment and report. A light assessment can be completed in as little as 5-10 minutes. There are also a range of ‘Risk Snap Shots’ covering a wider range of risk types. Completed reports can be used to help you to identify and reduce your business risk
Search for ‘Zurich Risk Advisor’ on the App Store or Google Play to download your free app today.
Help for brokers
If you're looking to speak to your Zurich representative, or need contacts, service support or guidance on existing policies, claims or new business, visit Broker contacts.
Frequently asked questions
Zurich Business Insurance is designed for Australian small-to-medium business owners, operators, and their subsidiary companies.
Zurich Business Insurance is distributed through independent brokers in Australia.
A business pack combines multiple insurance covers such as property, liability and business interruption into a single, flexible policy tailored to small-to-medium businesses.
No. Losses or liabilities arising from cyber incidents and data erasure are excluded under the Business Pack. Cyber cover is available separately under Zurich Financial Lines Insurance.
Claims relating to premises left unoccupied for more than 90 consecutive days without prior agreement may not be covered. Notify your broker in advance if your premises will be unoccupied.
Under the Priority Settlement Service, eligible property claims under AUD 30,000 are paid within 24–48 hours once all required information is provided.
The Zurich Repair Network is a panel of approved repairers that aims to deliver priority repairs for sedans, light vehicles, trucks, and trailers under Zurich Motor Insurance policies.
Contact your broker first. You can also call us on 1800 611 372.