Business Packs.
Separate policies for liability, property and interruption means three renewal dates, three insurers, and gaps you find at claim time. A business pack puts it all in one policy - one premium, one renewal.
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Won't affect your credit score.
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About This Cover
Business insurance packs - what they are and what they bundle
A business pack bundles the covers most businesses need - liability, property, interruption, theft - into one policy with one premium and one renewal date. Usually cheaper than buying them separately.
You pick the covers that fit how you run, and the pack adjusts as the business grows or changes. If a cover isn't earning its premium, we'll tell you to drop it.
What's Included
What's included - standard covers in a business pack policy
Public & Products Liability
Someone's injured or their property damaged by your work or products - this pays the claim.
Property Damage
Contents, stock and equipment at your premises, covered against damage or destruction.
Specified Property Damage
High-value items listed individually in the policy, covered for accidental damage or theft.
Property in Transit
Goods covered on the move - your own vehicles, courier or freight.
Business Interruption
Lost income while you can't trade after an insured event like fire or flood.
Theft & Burglary
Break-ins, forced entry and theft from your business premises.
Glass Cover
Shopfronts, partitions, signage and display cases replaced when broken.
Legal Protections
Legal disputes, statutory fines and compliance costs that come with running a business.
Who Needs This
Who needs a business insurance pack
Retail Businesses
Shops, boutiques and e-commerce with premises - stock, liability and interruption in one policy.
Service Businesses
Tradies, contractors, consultants and freelancers who'd rather hold one policy than five.
Hospitality
Cafes, restaurants, bars and hotels - customers on site, food handling, premises risk. All covered together.
Manufacturers & Wholesalers
Serious stock, equipment and products liability exposure - usually cheaper bundled than bought separately.
Tech Companies
Valuable hardware plus client-facing services - property and liability handled in one.
Healthcare Providers
Clinics that need premises, equipment, liability and interruption in a single policy.
Why Co-Pilot
Why Co-Pilot for business packs
We work for you, not the insurer
We're independent. The pack we recommend is the one that suits your business, not the one that earns us the most.
90+ insurers on the panel
Retail, hospitality, trades, healthcare - we quote your pack across all of them and show you the spread.
We'll tell you which covers to drop
Packs often include covers you don't need and miss ones you do. We build the bundle that fits - nothing surplus, nothing missing.
We argue your case at claim time
If you claim, we deal with the insurer for you. And we explain what's excluded before you sign, not after.
Hear What Our Clients Are Saying
“I had such a great experience with Kristy! She was very helpful during the whole process and always responsive to any questions or concerns I had. Highly highly recommend and I will definitely be recommending her to my friends/family for any of their financial needs. Thank you for all your help Kristy, I truly appreciate it.”
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FAQ
Common Questions About Business Packs
Juggling multiple policies? Let's bundle it into one.
Tell us what you run. We'll quote a pack across 90+ insurers in 24-48 hours - the right covers, nothing surplus.
No impact to your credit score