Looking for business insurance?
Call us on +678 22 101 or contact us to request a quote.
Reasons to choose Tower business insurance
Whether you run a company from home, work as a tradesperson or own a shop, we can help get your business back on its feet if the unexpected happens.
If you only need cover for a car, van, ute or trailer you use for your business, take a look at our Commercial vehicle insurance.
SmartPac
SmartPac offers flexible business cover for small to medium companies. With a range of options to choose from, you can build your cover to suit your needs and budget.
It’s a simple, easy way to protect the things that matter most.
Other business insurance solutions
We also have other insurance options available for larger or more complex businesses. If you would like to discuss your requirements, please get in touch and let us know your company's:
- Total asset value
- Number of employees
- Nature of business
SmartPac cover options
Business property
Protects the big items in your business, like buildings and equipment up to Vt150m, plus loss of income or profits up to Vt75m.
Key benefits
- Property loss or damage
- Loss of income or profits
Money
Covers you against the loss of cash up to Vt1m.
Key benefits
- Loss in transit
- Loss from safes or strongrooms
Burglary
Cover for loss or damage to both business and employee property up to Vt5m.
Key benefits
- Business contents
- Employees' personal effects
Business liability
Covers your legal liability in Vanuatu, whether you’re working from home or out and about, up to Vt100m. Can be extended to employer’s and statutory liability.
Key benefits
- Landlord's liability cover
- Tenant's liability cover
Employee fraud
Covers loss suffered as a result of employee theft or fraud, up to Vt250,000.
Business property breakdown
Replacement of your computers, electronic devices or machines if they break down due to electronic or mechanical failure, up to Vt2.5m.
Commercial vehicle
Whether you work as a builder, estate agent, or have a small business, we have Comprehensive or Third party commercial vehicle cover to suit your needs.
Key benefits
- Physical loss or damage to your vehicle up to Vt7.5m
- Third-party liability up to Vt20m
Workmen’s compensation
Covers the liability of your business in relation to injury or death of an employee, up to Vt10m.
These are summaries only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.