SME Package Insurance
CommonA configurable package for common small-business property and liability risks.
Often considered by
Small and medium businesses that prefer one coordinated policy.
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Manage operational, liability and employee risks.
8 plan types explained. This is an educational guide; the issued policy wording controls the actual cover.
Business insurance includes cover for assets, cargo, cyber incidents, legal liabilities and employee-related risks. The appropriate combination depends on the business activity and contract requirements.
Plan types
Choose a type to understand its purpose, usual structure and the wording you should check.
A configurable package for common small-business property and liability risks.
Often considered by
Small and medium businesses that prefer one coordinated policy.
Protection against covered third-party injury or property-damage claims.
Often considered by
Businesses that interact with customers, visitors or the public.
Protection against covered claims arising from products supplied by a business.
Often considered by
Manufacturers, importers, distributors and retailers.
Cover for specified claims alleging professional error, omission or negligence.
Often considered by
Doctors, consultants, accountants, technology firms and other professionals.
Liability cover for covered claims against company directors and officers.
Often considered by
Companies with boards, investors, lenders or regulatory exposure.
Cover and response support for specified cyber incidents.
Often considered by
Businesses that store data, take online payments or depend on technology.
Transit cover for goods moved by road, rail, air or sea.
Often considered by
Manufacturers, traders, importers, exporters and logistics users.
Employer liability cover for eligible work-related injury or disease claims.
Often considered by
Employers with staff or workers exposed to occupational risk.
Before choosing
Check exactly which events are covered, the overall limit, sub-limits and deductibles.
Read what is not covered and when cover begins. Marketing summaries are not the contract.
Review claim notice rules, required evidence, cashless or reimbursement terms and grievance routes.
Keep the proposal form, benefit illustration where applicable, payment receipt and final policy schedule. Never rely only on a verbal promise.