Home-Based Business Insurance
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What is home-based business insurance?
Home-based business insurance (the different types of business insurance designed for people working from home) helps you manage the cost of many risks, like third party injuries, damaged equipment, and cyberattacks.
Just because you’re working from home doesn’t mean things can’t go wrong. Insurance for home-based businesses may be essential, especially if your home and contents policies don’t cover work activities.
If paying unplanned bills out of pocket would put your finances in jeopardy, then you might want to consider business insurance.
Why do home-based businesses need insurance?
Home-based businesses may need business insurance to manage unplanned expenses, like damaged equipment or legal fees.
Manage third-party injury claims
Replace damaged stock
Repair or replace damaged or stolen equipment
Pay legal costs if you face a liability claim
Who needs home-based business insurance?
Many business owners consider insurance to protect their home-based businesses, from graphic designers and consultants to dog walker and online shops.
Administrative Support Services
Beauticians
Consultants
Dog Walking & Grooming
Graphic Designers
Online Shops
Photographers
Writers
Web Developers
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
Did you know?
In some cases, a home insurance does not cover home-based businesses, no matter how small your business may be.
Business insurance is designed to handle the risks of running a business from your home, including managing third-party injury claims, replacing damaged stock and equipment, theft and much more.
What types of insurance do home businesses need?
We offer a range of cover options to cover your business, stock and equipment. Create an insurance package that suits your home-based business and buy online in minutes.
Popular cover for home-based businesses:
Popular cover for home-based businesses:
How much does home-based business insurance cost?
The cost of business insurance for home-based businesses varies, based on factors such as where you live, the industry you work in, and the cover options you choose.
The prices are real, get that new policy feel
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession 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.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
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 it works – buying online
5 easy steps to get instant cover online today
Select Profession
Pick Your Covers
Add Business Details
Compare Quotes
Get Covered Online
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
Compare prices & select quotes
- 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
If you have clients visit your home office or if you go off site to visit them, you may want protection in place should you accidently injure them or damage their personal property.
Public Liability insurance is designed to provide protection for you and your home-based business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
A Business Insurance Pack is an easy way to protect your business property and assets with a single, convenient policy. Business Insurance Packs can be customised to include just the cover that makes sense for your business. Popular cover options for home-based businesses include, Contents, Theft, Portable Equipment, Business Interruption and Tax Audit.
Hear from our customers
Real-life customer reviews verified by Feefo
That was SO EASY!!!
Andrew G
So easy to renew, all done in simple email.
Leanne P
This process has been super simple. Also much more cost efficient than other insurers.
Fabian P
I needed to secure some public liability insurance in a hurry. I was able to have this organised by the end of my phonecall with minimal stress on my behalf…so fantastic! Every part of the process was explained to me thoroughly and with the outcome I wanted.
Renee M
After spending almost a month back and forth with the “broker of the year” and then finally only receiving a quote for PL insurance at an astounding rate I thought I’d call BizCover. OMG what a difference in service, information and quality. As someone who trains in governance for many NGOs? I’ll be recommending your wonderful service. Thank you!!
Zoe W
It was a delight dealing with Milind today. He was professional, competent and a good listener. He quickly determined my needs and found the most suitable products for me. He made the process as painless and straightforward as possible. As a consequence, I intend to move other insurance policies to BizCover as the come up for renewal.
Greg D
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