Damage to your premises can mean more than a repair bill. Equipment may need replacing, stock may be lost, and daily operations may be interrupted.
A suitable Business Package brings key protections together, helping you manage the financial impact of an unexpected insured loss.
Request a QuoteYour business depends on its premises, equipment, people and daily operations. When something goes wrong, several parts of your business can be affected at once.
Business Package Insurance combines different types of protection within one policy, with options suited to your industry and operating needs.
At AIB, we help you review:
As your insurance broker, we help you understand suitable options and arrange cover with insurers.
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Different industries face different operational risks. Explore business package options designed to address the property, liability and operational exposures relevant to your business.
Designed for office-based businesses, with cover for renovations, furniture, fixtures and fittings, business contents and equipment against insured physical loss or damage.
Key Coverage Considerations: Renovation and equipment values, public liability exposure, employee duties and the financial impact of disruption to your premises.
The Office package includes limited Work Injury Compensation cover for specified non-manual employees and Personal Accident cover for one employee. Additional employees and other job roles require separate assessment.
Offices combined with storage facilities, container offices, and offices incorporating manufacturing or engineering workshops are excluded under this package.
Designed for eligible food and beverage businesses, with cover for renovations, furniture, fixtures and fittings, business equipment and stock, together with specified liability and operational risks.
Key Coverage Considerations: Equipment replacement costs, stock values, customer liability, employee duties and potential interruption to business operations.
Optional extensions include Work Injury Compensation, Personal Accident, building cover, consequential loss on gross profit and Fidelity Guarantee.
Excluded trades include bars, discotheques, floating restaurants, karaoke lounges and pubs, nightclubs, and wet or dry markets.
Designed for eligible retail and service businesses, with cover for business contents, equipment and stock, alongside protection for specified risks involving plate glass, business money and public liability.
Key Coverage Considerations: Stock values and seasonal fluctuations, shopfront glass, cash handling, customer liability and employee protection requirements.
Optional extensions include Work Injury Compensation, Personal Accident, building cover, consequential loss on gross profit and Fidelity Guarantee.
Eligibility depends on the specific trade. Businesses such as motor workshops, gyms, massage parlours and childcare centres fall outside this package and require separate assessment.
Designed for eligible light industrial businesses engaged in specified manufacturing, assembly, repair, servicing, warehousing and distribution activities, with cover for insured business property and stock.
Key Coverage Considerations: Property and stock values, production processes, work activities, employee duties and third-party liability exposure.
Optional extensions include Work Injury Compensation, Personal Accident, building cover, consequential loss on gross profit and Fidelity Guarantee.
Selected motor repair and servicing activities may qualify. Logistics and transportation companies, together with specified higher-risk activities, are excluded under this package.
Coverage and eligibility are subject to the insurer’s approved trade classifications, underwriting requirements, policy terms, conditions, exclusions, limits and excesses.
The four supplied packages share these core sections. The amounts, conditions and exclusions still need to fit your business.
Insured physical loss or damage to business property, contents and equipment. Eligible stock can also be included for relevant trades.
A daily benefit for qualifying business interruption following an insured event, subject to the policy’s trigger, limits and duration.
Eligible additional rental or temporary storage costs when an insured loss makes the premises uninhabitable.
Specified cover for business money at the premises and in transit, subject to custody, storage and other policy conditions.
Accidental breakage or damage to insured glass at your premises, including specified lettering or decorative work.
Your legal liability for accidental injury or property damage to third parties in connection with your business, as insured.
Review the protection available for your business and employees.
| Coverage | Office | F&B · Retail Light Industry |
|---|---|---|
| Work Injury CompensationEmployee work injuries | Included* | Optional |
| Personal AccidentSpecified accident benefits | Included* | Optional |
| Fire & Extraneous PerilsBuilding protection | Optional | Optional |
| Consequential LossGross profit basis | Optional | Optional |
| Fidelity GuaranteeEmployee dishonesty | Optional | Optional |
Limited Work Injury Compensation cover for specified non-manual employees, and Personal Accident cover for one employee. Additional employees and job roles require assessment.
Based on the package schedules reviewed. Coverage is subject to insurer acceptance and policy terms, limits and exclusions.
Unexpected incidents can affect your business assets, interrupt operations and expose your business to liability claims. A suitable Business Package helps address the financial impact of these risks.
Damage to renovations, furniture, equipment or stock can result in significant repair and replacement costs. Appropriate sums insured help ensure that your property protection reflects the value of your business assets.
Insured damage may leave your premises temporarily unusable and affect daily operations. Rental expenses cover, daily cash benefits and optional consequential loss cover can address different aspects of the resulting financial impact, subject to their respective terms.
Accidental injury to customers or damage to third-party property may result in claims against your business. Public Liability Insurance provides protection against covered legal liabilities arising from your insured business activities.
Coverage is subject to the policy’s terms, conditions, exclusions, limits and excesses.
We start with your operations, premises and risks.
We explore insurance arrangements across multiple insurers.
We help you understand limits, excesses, exclusions and optional protection.
New equipment, additional employees or another outlet can change your insurance requirements.
We assist with documentation, insurer communication and follow-up.
An insured loss can leave you managing repairs, disrupted operations and claim paperwork at the same time.
AIB helps with:
Preparing relevant claim documents
Communicating with the insurer
Following up on claim progress
Clarifying requests for additional information
We advocate for your interests throughout the claims process.
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Whether you are opening a business, renewing your policy or reviewing existing protection, AIB can help you understand your options.
Tell us what your business does — and what you need to protect.
Request a Business Package QuoteCoverage is subject to the insurer’s acceptance, policy terms, conditions, exclusions, limits and excesses. Benefits and availability vary by package. AIB acts as an insurance broker; insurance is underwritten by the relevant insurer.