Drama Free Business Insurance
Life is dramatic enough but getting your business insurance doesn’t have to be. At BizCover, we understand small businesses and the balancing act of trying to save both time and money, and while your to-do list may be growing, putting off your business insurance is one thing that cannot be pushed aside.
The reality is that accidents can happen at any time and the last thing you want to be worried about is dealing with a claim – now that’s really dramatic! It’s important to have the right types of insurance in place to safeguard your business and this is a vital step to staying in business for the long haul.
Incidents can happen in an instant, and the impact on your business’ finances and reputation can be devastating. From a customer accidentally tripping and hurting themselves at your business premises to a cyber attack on your digital systems, these are just some of the dramas that your business can do without.
With over 250,000 Aussie small businesses trusting us for their drama free business insurance needs, explore a hassle-free experience allowing you to:
- Pay your premium monthly or annually
- Save yourself time and money
- Receive your documents instantly upon payment
Insurance by Industry
At BizCover we understand there is no “one size fits all” solution for small business insurance, each business is unique, so we provide different cover options for thousands of occupations across Australia. From dog groomers to café owners, tradies and IT guru’s, we make understanding and accessing the appropriate types of insurance for your business hassle-free.
As examples, if you work in one of the industries listed below, then having business insurance may be suitable for you.
Insurance Options to Consider
At BizCover, we make the process of getting business insurance as easy as possible. While you are busy growing your business, leave all that dramatic shopping around for your business insurance with us. We will provide multiple quotes from a great range of trusted Australian insurers, so you can compare policies and get covered quicker than you think. These are some insurance options you might want to consider:
Public Liability insurance:
Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities.
Professional Indemnity insurance:
Professional Indemnity insurance covers you for losses claimed by a third party & defence costs due to alleged or actual negligence in your professional services or advice. This includes defence costs cover.
Business Insurance:
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. Some of the types of coverage options available include:
- Building- if you own your business premises, then Building insurance is a type of coverage to Building Insurance covers your building if it is damaged by an insured event, such as fire, storm, malicious activity or other event as defined by the policy.
- Contents– covers your building if it is damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy.
- Portable Equipment- if you operate your business out and about then consider the importance of insuring your valuable equipment with Portable Equipment insurance. Portable Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock.
- Business Interruption – provides protection for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). It is also designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).
It is important to note that Business Interruption cover is an additional cover option available when you take out a Business Insurance policy.
Personal Accident and Illness:
Personal Accident and Illness can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can also include a weekly benefit for loss of income if you are unable to work as a result of unexpected injury or illness (even if it occurs outside of your employment).
Our Price Promise is Drama Free
Small business is big business to us. With our price promise, if you can provide us with a quote for a comparable insurance cover at a lower price, we will beat the price on offer or provide you with a full refund** so that you can save on insurance for your small business. Get a quote today, it only takes a few minutes.
** terms and conditions apply – click here to read more.
