Business Insurance on the Gold Coast

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Business insurance* for Gold Coast Small Businesses

Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.

According to the Australian Bureau of Statistics,1 there are 68,088 small businesses in the Gold Coast, with 11,590 additional new businesses registered in 2018 alone.

The main employing industry is Healthcare and Social Assistance, employing 12.4% of the population. The second largest employing industry is Construction, employing 11.5% of the population, followed by Retail trade, which employs 11.3% of the population.

The sector with the largest amount of registered businesses is Construction, with 12679 businesses registered. This is followed by Rental, Hiring and Real Estate Services, which has 10388 businesses, followed by Professional Scientific and Technical Services, which has 7,794 registered businesses.

Like all small business owners, they each have a responsibility to take reasonable steps for the safety of their customers, suppliers and the community and for their property.

“Exceptional service. I am quite impressed with my helpful & informed representative, who politely persevered through my busy schedule to make sure he called back exactly when I requested, twice, which is a big part of why you got my business, along with your value for money & reputation among fellow business owners. To be honest though, many broker agencies just didn’t engage as well with me, well done with your service training, I?m very happy with your staff & while I hope I never need to make a claim, I feel confident he would make my interaction as painless as possible if I did. Thank you.”

Anna-Marie W.

Pottery manufacturer

How much does Business insurance cost?

On average, small businesses on the Gold Coast pay $75 a month** for their business insurance, which is one of the most common types of insurance for small businesses on the Gold Coast. In fact, it is arguably important for almost every kind of business, from those that operate in the trades and service industries, to businesses that are predominantly office-based, such as consultancy occupations.  

Given the various industries and occupations that can take out business insurance packages, the cost of it can vary greatly. This is due to several factors including:  

  • The type and nature of your business  
  • Your business turnover and size  
  • The amount of insurance cover your business needs 
*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice. 
**We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it’s important to note that the data included within this article was sourced from BizCover customer data during 2018/201and is intended as a guide only.  It may not reflect pricing for your particular business as individual underwriting criteria will apply.  Get a hassle-free quote for your business here. 
1 This data is for 2018 and sourced from the ABS.  

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