Contents Insurance
Cover for business contents or stock damage.
Easy and professional claims support
Cover for business contents or stock damage.
Flexible payment options – monthly or annually
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Save Money
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Instant Cover
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What is Contents Insurance?
Contents insurance covers your business contents or stock if they were damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy.
Contents insurance policies typically do not include theft cover. Here’s where many business owners get tripped up. The definition of “loss” many insurers use does not include stolen items. They generally mean items “lost” in a fire or other insured event. It’s important to read your policy to make sure you are adequately covered.
What does Contents insurance cover?
Fire
Storm, wind and water
Lightning and explosions
Earthquakes
Impact damage
Accidental damage
Malicious damage and vandalism
- Wear, tear or gradual deterioration
- Damage caused by insects or animals
- Computer virus or hacking
- Any person deliberately switching off power supply
- Theft
- Rust, mould or mildew
- Machinery breakdown
- Pollution
- Faulty design or workmanship
Let’s cover your small business on the go
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3 industries who purchase Public Liability most:
It’s good business to set up a plan in place should the worst happen.
- Personal Trainers
- Hairdressers
- Beauticians
- Make Up Artists
- Yoga Instructors
- Zumba Instructors
- Hair Removal
- Barbers
- Convenience Stores
- Supermarkets
- Butchers
- Markets & Stalls
- Clothing Retailers
- Gift Shops
- Bakers
- Florists
- Cafes
- Restaurants
- Takeaway Shops
- Food Trucks
- Catering
- Bed and Breakfast Operations
- Hotel Operations
- Sporting Clubs & Associations
Contents insurance is suited to a wide range of industries and occupations in addition to the ones listed above.
How much does Contents insurance cost?
Contents insurance costs are different for all BizCover customers.
The cost of a policy varies based on your contents’ value, claims history, business location and other factors. Every business is unique, and so is the type and cost of its policy.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Get cover that works with the risks of your business
You can select from different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Click here to check industry wise average prices
Get cover that works with the risks of your business
You can select from different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Unsure how much to choose? Think about:
Value of your contents
Location of your business
Security measures of the building
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
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5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
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- Get Cover Today
Instant policy docs to your inbox.
How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
The types of business contents typically covered by Contents insurance are:
- Trading stock
- Your fixtures and fittings (if you are a tenant)
- Business furniture
- Machinery, plant and equipment
- Documents of title, business books and other records
- Goods held by you on consignment
Consider the value of, or cost to replace your contents and equipment when selecting an appropriate level of contents cover. Prepare a thorough inventory of your contents and avoid being ‘under’, meaning you have insufficient insurance to cover your entire loss after a claim event. Also be aware that overestimating your contents and equipment may result in an unnecessary increase in your policy premiums.
Important: Property damage caused by a flood is typically excluded by business insurance policies. However, property damage caused by sprinklers or due to bursting, leaking or overflowing from an apparatus such as fixed tanks or pipes is generally covered.
