One business pack for your premises, stock, equipment and income, built around how you actually trade. We compare 10+ insurers and stay in your corner at claim time.
Trusted by 30,000+ clients Australia-wide
We aim to answer all calls within 3 seconds
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Property & contents, stock, theft, glass, money, business interruption, machinery breakdown and public liability
Instead of juggling separate policies, a business pack lets you choose the sections you need – from your fit-out and stock to your income and liability – and compare them side by side across 10+ insurers in one go.
Three steps, and we do the legwork.
We go to 10+ insurers and come back with business pack options that fit how you trade. Same-day quotes available.
Pick the option that suits and we handle the paperwork.
Named #1 Top Brokerage 2025, trusted by 30,000+ clients, and with you long after the policy is sold.
We insure shops, offices, cafes, salons and service businesses every day, and know which sections matter for each.
Named #1 Top Brokerage 2025 and rated 4.9/5 on Trustpilot and 4.7/5 on Google from over 12,000 reviews.
We manage your renewals and help you update sums insured as your stock, fit-out and turnover change.
Notify a claim 24/7. After a break-in, fire or storm, our team deals with the insurer so you can focus on reopening.
“The claims experience was made so easy.” – Scott B., Google review
Real reviews from small and medium businesses we've insured across Australia.
“Ben has been absolutely outstanding to work with. He saved Goulburn Transport a substantial amount of money, and we couldn’t be happier with the result. His professionalism, knowledge, and can-do attitude were first class from start to finish. Ben went above and beyond, made the whole process simple, and delivered real value for our business.”
“The renewal process for my business property insurance was super simple. The team are always approachable. I don't need to call the office often but on the odd occasion that I do need to ask a question, the team is super helpful and super polite. And as a bonus, they found me a more affordable policy this year saving almost $1,000. Well done”
“I had an excellent experience with Shielded Insurance Brokers, and especially with Dan who looked after my claim. The entire process was handled with professionalism, patience, and clear communication from start to finish… His support genuinely made a stressful situation much easier to manage, and thanks to his help my business was able to keep running without interruption.”
“When my insurance premium renewal came up for October, the team didn't just send an invoice—they took the time to shop around and see if they could secure a lower rate for my business. They acknowledged the cost pressures small businesses face and understood that even a minor saving is beneficial to our bottom line. That level of empathy, effort, and proactive care is so rare to see. Easy 5 stars! …”
“We as a business have entrusted Shielded insurance brokers for many years & will continue to do so. Their knowledge & expertise is exceptional & they go the extra mile no matter what. Great team, great service & always chasing the best deal!”
“I highly recommend Shielded Insurance. Claudine was extremely helpful in sourcing the right insurance cover for our business, Sunshine Coast Mobile Caravan Repairs. She took the time to understand our needs, answered all of our questions and made the whole process straightforward and easy. The pricing was also very competitive compared with other options we looked at, which was a big plus for a new business. …”
“We have been insured with Shielded for the last year and unfortunately had a break and enter and lost very valuable equipment. Alex Shipman and all the team at Shielded were excellent to deal with and managed my claim and had everything finalised fast. I’ve never had to make a claim like this and only ever heard bad stories so I assumed this was going to drag out for 6-9 months but I’d say we barely made it over 6 weeks. Very happy.”
“Dan is amazing! I have been trying to find a proactive Insurance Broker for the last 5 years and was at my wit's end when I stumbled across Dan at Shielded Insurance. I am moving all my business insurance to him as I know it is in good hands. The pricing is great and when he states he will respond in 24 hours... he responds! … Highly recommend Dan for all your business needs.”
“I had quotes from previous brokers and the pricing was outrageous. Kharn was my contact at Shielded. He was a legend. Did the work. Got multiple quotes fast, he was on the phone ringing me about any additional questions the insurance companies required from our company so he could get the quotes completed promptly. Highly recommend.”
“Dan Lean is a fantastic and exceptionally professional broker. He knew exactly what our business needed in terms of complete insurance coverage and he was able to complete our policies within a day. Outstanding service and a very nice person to work with.”
“The service was professional, responsive, and efficient throughout my recent insurance claim. They took much of the stress and hard work off my shoulders, guided me through the process, and helped achieve a quick resolution. Communication was excellent, and I always felt supported and informed.”
“Thank you Shielded Insurance, what a positive experience and great outcome for my small business needs with full peace of mind. Professional and friendly customer service. Highly recommended.”
“Have had a long and stressful challenge dealing with my insurer however it turns out that my insurance broker actually provides the help! Worth going through a broker that really knows their stuff.”
“Tim Cantwell from the very first conversation has been a pleasure to deal with! Knows his stuff, responds instantly and is always available. First class customer service!!! A++ Thanks Tim!!!!”
Pick the sections your business needs. Mix and match on one quote.
Cover for your building (if you own it), fit-out, equipment and stock against events like fire, storm and accidental damage, depending on the policy.
Quote property coverHelps replace lost income and pay ongoing costs if insured damage forces you to close or slow down.
Quote business interruptionCover for theft of contents and stock, money on the premises or in transit, and broken glass and signage.
Quote theft coverProtection if your business is held legally liable for injury to someone or damage to their property.
Quote liabilityCover for sudden breakdown of equipment like coffee machines, fridges, ovens and computers.
Quote breakdown coverCombine the sections you need into one policy with one renewal date.
Quote a business packReviewed by Joshua Scutts, Shielded Insurance Brokers · Updated October 2026 · General information only
We know business insurance and what small businesses need from their cover.
A business pack (sometimes called a business package policy) combines several types of cover into one policy. You choose the sections that suit your business – for example property and contents, stock, theft, glass, money, business interruption, machinery breakdown and public liability – and pay one premium with one renewal date.
Usually, yes. Your landlord typically insures the building, but your fit-out, stock, equipment and income are generally your responsibility. Many commercial leases also require tenants to hold public liability cover, so check your lease and let us know what it asks for.
Business interruption cover can help replace lost profit and pay ongoing expenses, such as rent and wages, if insured damage – like a fire or storm – stops or slows down your trading. It is generally linked to your property cover, so the damage usually has to be from an event your policy covers. The indemnity period you choose sets how long the cover can respond.
Theft cover is usually an optional section of a business pack. Many policies require signs of forcible or violent entry to the premises, and there may be conditions about locks, alarms or how cash is stored. We'll explain the conditions on the options we present so there are no surprises.
You should generally insure for the full cost of replacing your contents and stock, and allow for seasonal peaks if your stock levels vary. Some commercial policies apply an average or co-insurance condition, which can reduce a claim payment if you're underinsured, so it pays to review your sums insured regularly.
Public and products liability is commonly available as a section of a business pack, or it can be arranged as a standalone policy. It can cover your legal liability if someone is injured or their property is damaged because of your business activities or the products you sell.
Premiums depend on factors like your industry and the activities you carry out, your location, the construction and security of your premises, how much you insure, your turnover, your claims history, the sections you choose and your excess. Comparing several insurers is often the best way to find the right balance of price and cover.
Contact us at Shielded Insurance on 1800 97 98 99 as soon as possible. Claims can be notified 24/7, and we'll guide you through the process with the insurer so you can focus on getting back to business.
