Halo Business Insurance provides comprehensive protection designed for Australian businesses of every size. Backed by Lloyd’s of London this flexible policy brings together property, liability, business interruption, burglary, money, glass, and equipment cover in one streamlined package. With built-in extensions like emergency mitigation costs, claim preparation support, and extra reinstatement benefits, Halo ensures your client’s businesses can recover quickly from unexpected loss and continue operating with confidence.

Risk Appetite:

What do we cover?

Covered
Food & Beverage
Covered
Cold Stores
Covered
Manufacturing
Covered
Wholesale Trade
Covered
Property Owners
Covered
Retail Trade
Covered
Transport & Storage
Covered
Recreation / Leisure
Covered
Unoccupied Premises
Covered
Textile
Covered
Hotels & Motels

Halo has a broad appetite for risk across both property and liability lines. If your client has complex risks that fall outside of our stated appetite, please get in touch to discuss possible alternative options.

HALO APPETITE LISTPDF

HIGHLIGHTS INCLUDE:

Comprehensive Modular Cover:
The wording includes multiple cover sections—Property, Business Interruption, Liability, Burglary, Money, Glass, General Property, Engineering Plant, and Electronic Equipment—allowing tailored protection for a wide range of business needs.

Automatic Extensions of Cover:
Built-in cover extensions such as Claim Preparation Costs (up to $25,000), Emergency Mitigation Costs, Payment of Rewards (up to $5,000), and Demolition and Debris Removal provide additional financial protection beyond the base cover.

Reinstatement and Replacement Options:
Clear “Basis of Settlement” provisions outline when the insured can elect for reinstatement, replacement, or indemnity settlement.

Underwritten by Lloyd’s of London:
Backed by “Certain Underwriters at Lloyd’s”, providing global financial stability, APRA authorisation, and compliance with the General Insurance Code of Practice for enhanced consumer protection.

PRODUCT BENEFITS:

Flexible, Tailored Business Protection:
Clients can choose only the sections that match their operations, ensuring efficient coverage without paying for irrelevant risks.

Financial Certainty and Rapid Recovery:
Extensions such as Expediting Expenses and Progress Payments allow faster reinstatement and help maintain cash flow after a loss.

Strong Claims Support and Transparency:
Clear claims procedures, a defined dispute resolution pathway, and inclusion of professional fees for claim preparation provide confidence and assistance when it matters most.

Trusted Global Security:
Lloyd’s financial strength and regulatory oversight ensure long-term reliability, credibility with financiers, and peace of mind for businesses and their stakeholders.

Our Specialists

Peter Takos

Chief Executive Officer

Kym Dalli

Senior Liability Underwriter

Cover Limit

Halo's Business insurance is a bundled insurance policy, offering tailorable cover across common property and liability business risks with a value of $10 million and below.

$10,000,000 and below

Insurers

Lloyd’s is the world’s specialist insurance and reinsurance market. Operating in more than 200 countries and territories worldwide, the Lloyd’s market has an unrivalled concentration of specialist underwriting expertise. For more than 150 years, Lloyd’s has provided tailored insurance and reinsurance solutions for a variety of Australian risks. Lloyd’s is licensed to write general insurance and reinsurance business under the Australian Insurance Act 1973. In 2018, Lloyd’s underwriters wrote A$2.8 billion of business in Australia, making Lloyd’s the fifth largest general insurer in the Australian market.

Lloyd's

Insurance partner

“If you have a client with complex risks that require specialist advice, please get in touch. We are happy to discuss alternative approaches to help facilitate your client requirements.”

Business Insurance

Business Insurance

Business Insurance

Bundled property and liability for Australian small business

Risk Appetite:

Food & Beverage

Cold Stores

Manufacturing

Wholesale Trade

Property Owners

Retail Trade

Transport & Storage

Recreation / Leisure

Unoccupied Premises

Textile

Hotels & Motels

Our Specialists

Peter Takos

Kym Dalli

Cover Limit

Insurers

Lloyd's