Industry Specific Packages
Industry-specific insurance packages (also called business packs or industry packs) are tailored insurance solutions designed to meet the unique risk profiles of particular industries. These packages bundle together multiple insurance products into one policy, often with options to customise based on the business's size, structure, and exposures.
Typically these packs contain Public Liability (protects against third-party injury or property damage claims) and Professional Indemnity Insurance (covers financial loss due to professional advice or service) as well as many add on’s as advised by your experienced Design Cover Insurance Broker:
Business Interruption – protects income if operations are disrupted (e.g. due to fire, flood).
Property/Contents Cover – for physical assets like stock, equipment, tools, buildings.
Theft & Burglary – covers loss of goods due to theft.
Glass, Money & Machinery Breakdown – relevant for retail, hospitality, manufacturing.
Cyber Insurance – increasingly common, especially in professional services and IT.
Management Liability – covers directors and officers, HR risks, statutory fines.
Commercial Vehicle – often included or offered as an add-on for mobile businesses.
What industries do we cover?
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Property and Real Estate Agents
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Hospitality
Including cafes, restaurants, bars, and catering services—serve food and beverages to the public. They commonly need insurance for public liability, property, workers’ compensation, and business interruption to manage risks like accidents, property damage, and staff injuries.
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Retail
Retail businesses, from small shops to online stores, sell goods directly to consumers. They typically need insurance covering public liability, property, stock, and business interruption to protect against accidents, theft, and disruptions.
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Medical & Allied Health
Includes doctors, dentists, physiotherapists, psychologists, nurses, and many others who provide healthcare services. They typically need specialised insurance like professional indemnity and public liability tailored to their practice.
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Manufacturing
Include producers of goods such as food, machinery, electronics, and textiles. They typically need insurance covering property, machinery breakdown, product liability, and business interruption to protect their operations and comply with regulations.
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Transport & Logistics
Include freight operators, couriers, warehousing, and distribution services. They usually require insurance for vehicle fleets, goods in transit, public liability, and cargo to protect against damage, loss, and liability risks.