Business Insurance
One policy, built around the work — property, liability and the cover that keeps paying the bills while you're shut.
A business pack bundles the covers a trading business needs into one policy, so property, liability and interruption sit together instead of in separate contracts that don't talk to each other. Because we're a brokerage, we assemble it from a panel of insurers and only switch on the sections your operation actually runs — rather than selling one insurer's fixed pack. It scales from a sole trader working out of a ute to a multi-site business.
What it typically covers
- Building, contents & fit-out
- Stock & goods in transit
- Glass (internal & external)
- Theft & money
- Business interruption (loss of income)
- Public & products liability
- Machinery & electronic breakdown
- Portable & valuable items
- Tax audit / management liability (add-on)
- Employee dishonesty (add-on)
Who it's for
Trades and contractors, retail and hospitality, offices and professional services, manufacturers and wholesalers — any business with premises, stock, equipment or income to protect.
Claims examples
How the cover responds in real situations.
A kitchen fire shuts a café for six weeks.
How the cover responds: Property covers the damaged fit-out and equipment; business interruption keeps paying wages, rent and lost profit through the rebuild so the doors can reopen.
An overnight break-in — stock gone, front glass smashed.
How the cover responds: Theft covers the stolen stock and the glass section replaces the shopfront, with money cover picking up cash taken from the till.
A storm floods a warehouse and ruins racked stock.
How the cover responds: Property pays to replace the damaged stock and dry out the building; interruption covers the trading you lose while you can't ship.
What to watch
Sums insured set to rebuild cost (not market value); an interruption indemnity period long enough to actually recover; stock declared at peak, not average; and business activities disclosed so a claim isn't declined on a technicality. These are the four we check first.
How Stonewell places it
We take it to a panel of insurers, tailor the sections to how you trade, review the sums insured at each renewal, and — when something goes wrong — lodge the claim and advocate for you with the insurer.
Ready to sort your cover?
Tell us how you operate and we'll place it across our panel — or if something has already gone wrong, lodge a claim and we'll take it from there.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.