Navigates provide Business Insurance packages for of all types of occupations. This includes Trades, Retail Outlets, Wholesalers, Manufacturers, Office& Administration and Property Owners. We understand that every business is unique. That’s why when it comes to Insurance you need someone who understands your business.

Business Insurance Packages

At Navigates we offer tailored insurance solutions for the occupation you are in. Below is a summary of the types of insurance covers available that may help you decide on the package you require.

Fire & Associated Perils

Fire & Perils covers your business for damage to property, including building, contents (for example computers and electronic equipment) and stock (including customers goods) caused by certain defined events. In addition to fire, storm and malicious damage, other events which are covered include explosion, earthquake, wind and/or water and leakage of liquid.

Business Interruption

Business Interruption provides cover for consequential loss of income and/or profits or revenue resulting from the interruption of, or interference with your business caused by damage covered under the Fire and Perils.


The Theft or Burglary section covers theft of insured property (business contents, customers’ goods and stock) contained on your business premises following forced and violent entry.


The Money section covers loss of, or damage to money contained in the building during or outside business hours, while in a locked safe or strongroom, in transit, or in your personal custody while contained in your private residence.


The Glass section is designed to provide protection against accidental breakage of fixed glass located at the business premises.

Public Liability

Public and Products Liability covers amounts your business becomes legally liable to pay as compensation for personal injury and property damage to third parties as a result of an occurrence in connection with your business.

General Property

General Property covers items such as mobile phones and laptop computers, whether at, or away from the premises.

Machinery Breakdown

Machinery Breakdown covers your business for damage to electrical, electronic and mechanical machinery insured due to breakdown.

Taxation Audit

Covers you for professional fees reasonably and necessarily incurred in connection with a tax audit.

Employee Dishonesty

Employee Dishonesty covers the loss of money or goods due to the fraudulent or dishonest conduct of an employee, for their own gain or the financial benefit of any other person or organisation.

Goods in Transit

Transit covers your business for damage to property insured whilst in transit within Australia & Overseas caused by certain defined events.

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