Business Contents
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What is Business Contents insurance?
Why do you need Business Contents insurance?
Business Contents insurance helps to cover against financial losses from unexpected events like fire or natural disasters. This coverage ensures that essential items such as equipment, furniture, and inventory are safeguarded, minimising disruptions and allowing for quick recovery.
Without it, the cost of replacing lost or destroyed contents could be financially crippling for a small business. And of course, knowing you have suitable insurance in place enables you to focus on operating and growing your business, rather than worry about the impact of a potential loss.
Explore insurance for your small business
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
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Key features of Business Contents insurance from Zest Insurance
Our Business Contents insurance includes coverage such as*:
Loss, destruction or damage to contents
Loss, destruction or damage to contents as per policy terms and conditions.
Fire brigade charges and extinguishing expenses
Statutory charges payable to a fire brigade for attendance at a fire or chemical emergency involving contents, and for the cost of refilling your firefighting appliances used in putting out a fire.
Expediting costs and temporary repairs
Covers the necessary and reasonable cost of making temporary repairs to, and expediting the repair, reinstatement or replacement of contents, following damage.
Directors’ and employees’ personal effects
Cover for damage to the personal property of directors, partners, employees and visitors of your business.
Environmental improvements
Covers additional costs incurred solely to minimise potential harm to the environment utilising the latest available technology in the rebuilding, replacement, repair or restoration of Contents.
Rewriting of records
An extension under Business Contents (Property) that pays the reasonable costs to recreate or restore your business records after they’re lost, damaged, or destroyed by a covered peril (e.g., fire, storm, theft) at the insured premises.
* Please refer to the Zest Insurance policy documentation, underwritten by Chubb Insurance Australia Limited, for full details of cover!
With Zest Insurance, it's quick and simple to explore insurance options for your business
Choose which cover you want, according to your business needs.
Search for your Business or Occupation to see your tailored cover.
Consider the impact of damage to your business contents
Here are some examples of potential Business Contents claims that illustrate how easily incidents can impact small businesses**:
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Bookkeeper
Some of your contents are lost in a building fire, caused by the restaurant that operates next door to your premises. Your policy helps you to replace them to get your operation back up and running.
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Communications agency
A burst pipe causes damage to your office contents and fittings, including the carpet. Your policy covers the damage.
** These examples are hypothetical, based on the types of scenarios that could potentially lead to a Business Contents insurance claim for a small business. All claims are assessed by Chubb on a case-by-case basis and are subject to the terms, conditions, exclusions and limits of the Chubb Multipack Policy Wording.
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