A pipe bursts over your stock
Property & contents
Your fit-out, stock and equipment, plus the building itself if you own it.
Business insurance
Your business.
One pack.
One form in plain English. Liability comes standard, you switch on the rest, more than one insurer prices it, and a real broker places the policy and picks up the phone at claim time.
What’s in the pack
One business pack.
Tick what you need.
Liability comes standard. Switch on the rest and it’s one policy, one quote, priced by multiple insurers.
Always included
Public & products liability
Someone is injured, or your work damages property that isn’t yours. It’s the cover every pack is built on, and it’s in yours from the start, up to $20M.
Switch on what fits
You’re shut for a fortnight
Business interruption
Keeps your income and rent flowing while an insured loss keeps the doors closed.
Someone breaks in overnight
Theft & money
Break-ins and stolen stock, plus cash on site and on the banking run.
The shopfront gets put through
Glass
Shopfronts, internal glass, mirrors and signage, replaced at cost.
The fridge dies on a Friday
Equipment breakdown
Fridges, air-con and machinery covered when they suddenly stop working.
Also in the drawer
Four more sections
- Employee fraud
- Portable property
- Tax audit costs
- Goods in transit
Switch them on in the quote if they fit.
Considered cyber?
A hack isn’t a burst pipe.
A business pack is written for physical loss and liability. Ransomware, a hacked inbox or a customer data breach are generally the business of a separate cyber policy; the pack’s PDS says what it does and doesn’t respond to.
Test yourself · 4 minutes
Quiz · 4 minutesThe PI vs Public Liability Quiz
PI or public liability? Test yourself.
Twelve things go wrong in one week. Is each one professional indemnity, public liability, both or neither? Answer, and see what the wordings say.
Take the quiz
Interactive · 4 minutesThe Monday Morning Test
How claim-ready are your cyber habits?
Ten decisions over one bad week, scored against real policy wordings. Find out which of five types you are, and share it.
Take the testOr read professional indemnity vs public liability, explained.
Who it’s for
From the counter to the ute.
You pick your business from the full list of Australian industry codes. Each insurer decides which it writes, and the quote says so plainly when one won’t.
- Cafés & takeaway
- Retail shops
- Hair & beauty
- Gyms & studios
- Offices
- Trades
- and plenty more
How it works
Three steps. One sitting.
Tell Gary about your business
One form, plain English. About five minutes, and your answers save as you go.
Gary asks the insurers
Your details go to multiple insurers at once and the quotes come back side by side.
Pick, pay, covered
Choose what fits, pay online, and a broker places the policy and sends the documents.
Before you start
What the form asks.
Intake sheetabout five minutes
- What you do
- pick it from the list, and we look your ABN up
- Where
- the premises, up to three of them online
- The numbers
- turnover and staff, roughly
- The sums
- fit-out, stock and equipment, if you’re insuring them
- The sections
- liability, and whichever others you switch on
- The history
- claims in the last few years, plainly
Your answers save as you go. Come back to it whenever.
Worth knowing
The bits people wish they’d read.
What’s always in the pack?
Public and products liability, for injury to someone else or damage to property that isn’t yours. Every other section is one you switch on in the form, and it is priced into the same policy.
Which sections do businesses like mine choose?
The form shows what each section responds to and what businesses of your kind commonly add. Whether one fits your business is your call; the PDS beside each price sets out exactly what it covers.
What if my business can’t be priced online?
Some occupations, premises and histories are priced by an underwriter rather than the computer. You’ll see that on the page instead of a number, and a broker comes back to you with the figure.
What does using Gary cost?
Getting quotes costs nothing and obliges you to nothing. If you buy, our remuneration is included in the premium shown, and every quote says how we’re paid.
Is this advice?
Everything here is general information only. It doesn’t consider your objectives, financial situation or needs. We show the covers and what similar businesses commonly choose; read the PDS and decide what fits.
Keep reading
Cover
Public liability
For injury to the public and damage to their property, on its own or inside the pack.
See the coverCover
Professional indemnity
For the claim that your advice, design or work cost a client money.
See the coverCover
Cyber insurance
Ransomware, a hacked inbox or a data breach: the claims a business pack leaves out.
See the coverClaims
How claims work with Gary
Who to call, what to send, and what your broker does from there.
Read onOn the panel
Multiple insurers. One form.
The pack is priced by Blue Zebra, Clover and Zurich. Each quote names its insurer, links its PDS, and shows what the premium includes and how we’re paid, in writing rather than in the fine print.