Over the weekend, someone forces a gate and breaks into your workshop. They steal power tools and a portable welder. You also have damage to the shed door and lock and you need to replace gear before Monday’s job.

Buisness Pack insurance is designed to respond to theft or attempted theft, including damage caused by forced entry, and can also cover damage to insured buildings, contents or machinery, subject to policy terms and conditions.

A severe storm rips through your property. Rainwater blows into a machinery shed and soaks stored parts and packaging. Some stock is ruined and a motor shorts out, slowing your next production run and pushing orders back. All the damaged equipment also needs to be replaced.

Buildings or contents insurance may include storm, rainwater or run-off damage at your insured site, depending on your policy.

A small electrical fault starts a fire in your workshop overnight. The blaze damages the building, burns stored materials and destroys a key machine. You can’t run production for days while you clean up and replace stock.

Buildings and contents insurance may pay for physical loss or damage caused by fire or smoke, when it’s an insured event on your policy.

During a delivery to your farm shed or manufacturing workshop, a contractor trips over a hose and breaks their wrist. They say you didn’t keep the area safe. You receive a letter of demand for medical costs, lost income and legal fees.

Public Liability insurance is designed to cover third party injury claims and defence costs arising from your business activities.