Are you outgrowing your Business Pack?
Ten short questions about the size and shape of your business. We weight each answer by how strongly it predicts that a Business Pack no longer fits, and tell you what to do next.
- 01
Combined building, contents, plant, and stock value sits above $5 million.
Sum across every site you operate from. Replacement value, not market value.
- 02
At your last renewal, an insurer reduced cover, raised the excess sharply, or refused to quote.
The market telling you that your risk sits outside standard Business Pack appetite.
- 03
Annual turnover sits above $10 million.
Most Business Packs cap at lower turnover bands. Some insurers stop offering cover above $10M.
- 04
Specialised plant or machinery is integral to producing revenue.
Manufacturing lines, processing plant, cold storage, refrigeration, custom-built equipment. A high-risk signal in its own right.
- 05
A serious loss could take more than 12 months to fully recover from.
Custom plant lead times, rebuild timeframes, customer relationships you would need to rebuild.
- 06
A lender, landlord, franchisor, or major contract requires specific cover terms.
Specific sub-limits, indemnity period length, or named insured arrangements that a Business Pack often cannot meet.
- 07
You depend on a small number of key suppliers or customers.
Loss of one of them, or a fire at their site, would materially affect your revenue.
- 08
Stock holdings are significant or seasonal.
Warehouse distribution, large retail, food production, or seasonal peaks where stock multiplies.
- 09
Your current insurer or broker has suggested you "shop around".
Often the polite way of saying you no longer fit their book.
- 10
You operate from more than one site.
Multiple warehouses, branches, factories, or premises. Includes sites you lease to others.
The questions are the ones a senior broker actually asks before deciding whether a Business Pack will hold for another year, or whether the conversation should turn to ISR. Asset value, turnover, the complexity of business interruption, and recent insurer behaviour carry the most weight because they are the strongest predictors. Single-site retail with low turnover sits firmly inside Business Pack appetite. Multi-site manufacturing with custom plant rarely does.
The result is a guide, not a quote. There is no substitute for a broker reading your existing wording and putting numbers against the gaps. If the score points to ISR, the next step is sending us a quick enquiry and a broker calling back to walk through specifics.