+675 321 1388

SmartPac Business insurance

Request a quote

Request a quote

Request a quote

No matter what size your business is, you have assets that need protecting. Whether it’s your place of work, your business income, cash, stock, materials or your vehicle – every piece of your business is vital. How would your business get by without it? This is where SmartPac Business insurance comes in.

With Tower’s SmartPac you can build your cover to suit your business. It’s a simple, easy way to protect the things that matter most.

How it works

There are ten types of cover to choose from that represent the areas of greatest risk to small businesses in Papua New Guinea.

Feature

Business Property


Business Property Cover protects the big items in your business, like buildings and equipment. It can also cover things like renovations and your employees’ property.
Feature

Business Income


Business income cover provides for financial loss if your business is interrupted while assets are being replaced or fixed.
Feature

Money


This covers the loss or damage of cash, cheques, money orders, stamps, credit card invoices and other financial securities.
Feature

Burglary


If burglary is a concern for your business, burglary cover can provide extra peace of mind. Burglary cover insures your business assets and premises for loss or damage caused by actual or attempted burglary.
Feature

Business Liability


Business Liability can cover legal liability as a result of loss or damage to other peoples property and to people other than your employees arising from personal injury.
Feature

Employee Fraud


Employee Fraud cover protects your business if it suffers direct financial loss due to theft, false pretences, fraud or computer fraud by your employees.
Feature

Business Property Breakdown


Business Property Breakdown cover protects your business if your computers, electronic devices or machines break down due to electronic or mechanical failure.
Feature

Workmen's Compensation


With Workmen’s Compensation, you are covered for legal costs for which you are liable for in relation to any claim for compensation due to bodily injuries to your employee, while at work.
Feature

Business Vehicle


Our Maxi Motor Protection covers loss to your business vehicle, including legal liability, along with windscreen and window glass repair, salvage costs, a new vehicle if your business vehicle is written off, up to 30 days’ cover for your replacement vehicle, and money for your estate if you are fatally injured.
Feature

Riot


In the event of a riot, this section covers loss to your business property and resulting loss of business income cause by riot.

For details on terms and conditions, cover limits, exclusions and optional extras, please read the policy wording. We like to keep things simple at Tower and you’ll find our policies are easy to understand.

Other business products

Business insurance quote

Fill out our online form, call us on + 675 321 1388, or drop into your local office.

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SmartPac Business Insurance full policy document

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