SME Business Insurance

Tailored Business Insurance Solutions for Australian SMEs – Protect your business with Clarke Lyons Insurance.

Running a small or medium-sized business comes with big responsibilities.

From unexpected property damage to public liability claims, theft, or business interruptions, the right insurance can mean the difference between recovery and ruin.  At Clarke Lyons Insurance, we understand the challenges Australian small businesses face. That’s why we offer flexible, cost-effective SME Business Insurance packages designed to protect your assets, your people, and your future.

​

What is SME Business Insurance?

SME Business Insurance is a bundled policy that offers a range of essential covers for small to medium-sized enterprises. It protects against common risks that could otherwise lead to financial loss or operational downtime.

Typical inclusions in an SME insurance package:

​

• Public Liability Insurance – Covers injury or property damage to third parties caused by your business activities.

• Property & Contents Insurance – Covers physical assets such as buildings, fit-outs, stock, and equipment.

• Business Interruption – Covers loss of income due to an insured event, helping you maintain cash flow.

• Theft & Burglary – Protects against theft of stock, equipment, or contents.

• Glass Breakage – Covers internal and external glass against accidental damage or vandalism.

• Machinery Breakdown – Cover for essential business equipment failures.

• Money Cover – Insures against theft or loss of business cash on-premises or in transit.

• Cyber Liability (optional) – Protection from data breaches, ransomware, and cybercrime.

• Professional Indemnity (optional) – For businesses providing advice or services.

​

Who Should Have SME Business Insurance?

If you own or operate a small or medium-sized business, you need insurance that reflects your industry and risk profile. Common SME clients include:

​

• Retail stores and e-commerce businesses

• Cafés, restaurants, and food outlets

• Trades and construction professionals

• Medical and allied health clinics

• Professional services firms (legal, accounting, consulting)

• Beauty salons, fitness studios, and wellness providers

• Startups and tech companies

Whether you’re a sole trader, partnership, or growing enterprise, Clarke Lyons can provide the right protection.

​

Why Choose Clarke Lyons for Your SME Insurance?

​

• Tailored Cover – We understand every business is unique and will structure your policy to match your risks.

• Fast, Competitive Quotes – Get the protection you need without delays or excessive premiums.

• Ongoing Advice – As your business grows or changes, we make sure your insurance grows with you.

• Trusted Insurers – We partner with Australia’s top-rated business insurers.

• Local Support – Friendly, expert advice from people who understand the local business environment.

​

Real-World Risks We Cover

​​

• A customer slips and falls in your store, resulting in a liability claim

• Fire damages your café, halting trade for weeks

• A break-in results in stolen stock and damaged property

• A data breach exposes client information

• Equipment breakdown interrupts your production or service delivery

These risks are real—and insurable.

​

Protect What You’ve Built

You’ve worked hard to build your business. Don’t leave it exposed to risk. With the right SME Business Insurance, you can operate with confidence, knowing you're covered for the unexpected. Call, email or request a fast, no-obligation SME Business Insurance quote through our online form.

​

Clarke Lyons Insurance – Helping Australian small businesses stay protected, prepared, and positioned for growth.

Let’s Work Together