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What is Business Insurance?

... caused them injury or property damage. This includes defence costs cover. Building & Contents Insurance Building insurance provides cover for loss and damage to buildings you own, as a result of an insured event (such as ...

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Business Insurance

... that your business may be exposed to. S ome of small business Insurance coverage options include: Building Insurance *  which c overs you for loss and damage to buildings you own, as a result of an insured event (such as ...

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No Dramas

... 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 ...

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Business Insurance FAQs

... cost for IT Professionals? How much does professional indemnity insurance cost for Real Estate Agents? What is Business Insurance? What is Building & Contents cover? What is Glass cover? What is Business Interruption ...

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Portable Equipment*

... to Business Insurance Portable Equipment* Portal Equipment insurance (also known as General Property insurance) covers you ... violent entry to locked vehicles or locked buildings; Theft of equipment securely attached to a ...

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Goods in Transit

... locked portion of a vehicle or trailer or the building in which the conveying vehicle or trailer is ... or other alcoholic beverages unless shown on your insurance certificate Things to consider Are you in the business ...

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Money Cover*

... use of a combination that are left in the building outside business hours. Outside of Australia (subject to additional benefit - Traveler's money). *As with any insurance, cover will be subject to the terms, conditions ...

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Employment Practices Liability

... injury Building modifications Continuity of employment costs Criminal proceedings Fraud and dishonesty Property damage Prior or pending claims - claim arising before the period of insurance *As with any insurance, cover ...

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Theft Cover*

... or armed hold up. It is not uncommon for theft insurance to require the item stolen to have been securely stored before ... stock Glass Property not contained in a locked building Documents, patterns, models, moulds, plans or ...

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How much does Business Insurance cost?

... of 790 and 942 businesses respectively. 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 ...

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Business Insurance on the Gold Coast

... 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 ...

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Business Insurance the Smart Way

... each policy if you use the code SMART50 and a dedicated point of contact to help you with any insurance questions you might have. BizCover works for you by: Compare multiple providers and buy your policy online in just ...

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Business Insurance on the Central Coast

... 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 ...

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Business Insurance In Wollongong

... 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 ...

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Business Insurance in Townsville

... because an injury or serious illness means you're unable to work while you recover. Personal Accident and Illness insurance can help you keep things running at home and in your business until you're able to get back to ...

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Business Insurance in Toowoomba

... 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 ...

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Business Insurance in Parramatta

... 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 ...

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Business Insurance in Newscastle

... 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 ...

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Business Insurance in Melton

... 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 ...

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Business Insurance in Mackay

... 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 ...

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Business Insurance in Launceston

... 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 ...

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Business Insurance in Geelong

... an actual or threatened data breach. A cyberattack could bring a small business to its knees. Cyber Liability insurance can give small business owners in Geelong peace of mind that if a hack or data breach targets their ...

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Business Insurance in Cairns

... 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 ...

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Business Insurance in Bundaberg

... 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 ...

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Business Insurance in Bunbury

... 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 ...

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Business Interruption Cover*

... long it can take to get their business back up and running following a major insured event. Business Interruption insurance should be just one part of your wider disaster recovery plan - a plan that should include both a ...

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Machinery Breakdown*

... which requires repair or replacement. There are a number of types of breakdown which are not covered by an insurance policy such as those related to wear, tear and gradual deterioration or a lack of service or repair ...

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Statutory Liability*

... those set out in the policy wording) Prior or pending claims Property damage Criminal offences *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

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Insurance for Cafes

... * - If you are the owner of your café's building, consider insuring one of your biggest assets. Building insurance will cover for loss and damage to buildings you own as a result of an insured event (such as fire, storm ...

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Earthmoving and Excavators Insurance

... damage, and theft of items from a locked building or vehicle. Why choose BizCover for Earthmoving Insurance? Built for small business We know insurance and what makes small businesses tick. Clear and competitive ...

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Insurance for Physiotherapists

... is your most valuable asset, which means it is important to that you insure it with Building insurance . Building insurance will cover your building in the event that it is damaged as a result of a fire, storm, malicious ...

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Guide to Physiotherapy Business insurance

... have your most expensive asset insured. Could you afford to re-build and maintain an income if a disaster were to strike? Building insurance covers your building if it was damaged as a result of a fire, storm, malicious ...

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Insurance for Roofers

... including cover for things like: Building* Building Insurance covers loss and damage to buildings you own as a result of ... choose BizCover for Roofers Insurance? Built for small business We know insurance and what makes ...

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Insurance for Allied Health Professionals

... coverage sections that are commonly relevant for Allied Health professionals include: Building insurance: This covers your building in the event of damage caused by fire, storm, malicious activity or another defined ...

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Insurance for Martial Art Teachers

... your portable martial arts training equipment if it's lost, stolen or damaged anywhere within Australia. Building Insurance *  covers the cost of repairing or rebuilding business premises (that you own) as a result ...

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5 Common Beauty Insurance Claims

... on it. “Thankfully my Business Insurance policy included building and contents cover”, says Sarah. ... interruption, and that can include having to re-build your business. Fortunately for Wendy*, her Business Interruption ...

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Understanding business insurance for bookkeepers

... event listed in the policy. Building*- Building Insuranc e covers your building if it is damaged by an ... if a cyber attack were to occur. Cyber Liability insurance* is designed to help protect you from claims and support ...

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Insurance for Retailers

... , plant and machinery, records and furniture belonging to you at the insured location. Building* - this type of insurance will cover for loss and damage to buildings you own, as a result of an insured event (such as fire ...

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Public Liability Insurance VIC PPC

... you just want a quick idea of how much your insurance is actually going to cost.  However, it's important ... clients who visit your office, whether in a commercial building or home-based office You manufacture and/or sell ...

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Insurance for Tradesmen

... An unwanted trade A tradie working on a commercial building locked up his tools before leaving the worksite at ... tradie game for the long haul. While some types of insurance may be a requirement, there are a variety of ...

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Do online businesses need insurance?

... have to start over. Discover insurance options for online businesses to compare competitive insurance quotes for your online business, get covered in only 10 minutes, and get back to building your business. If you prefer ...

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Product Liability Insurance

... the dangers if used incorrectly. Why choose BizCover for your Product Liability insurance? Built for small business We know insurance and what makes small businesses tick Clear and competitive pricing You can compare ...

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Insurance for Restaurants & Cafes

... right there on your screen. Seriously. Built for small business We know insurance and what makes small businesses tick. ... insurance you may consider include Contents , Building , Tax Audit and Cyber Liability insurance. ...

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Benefits of insurance for small businesses

... . Business relationships are built on trust, and showing that you have insurance that covers the risks ... to you at the insured location. Building *: If you own the building from where you operate your business this ...

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Insurance for Fencing Contractors

... and equipment necessary to do your job and run your fence construction business. When building a Business Insurance Package, you can select covers like Machinery Breakdown and Portable Equipment to help protect your ...

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Hospo Insurance

... your commercial lease might require it. Build your Hospo Insurance Pack BizCover helps hospo heroes access ... or attempted theft from your business premises. Damage to the building , locks and safes as a result of a covered ...

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Insurance for Furniture Manufacturers

... * - Covers your building if it was damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy. Machinery Breakdown* - Machinery breakdown insurance covers the cost to repair ...

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Insurance for pharmacy and pharmacists

... your business that may require different types of insurance cover. Business insurance* offers a number of coverage options including: Building: provides protection for your pharmacy building if it was damaged as a result ...

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Insurance for Convenience Stores

... you need it most.Do you need Public Liability insurance? The short answer is probably yes. Chances are you ... inoperable due to breakdown. Building* - if you own your business premises then Building cover is a no-brainer ...

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Insurance for Car Wash and Auto Detailers

... and statutory liability risks. Some of the types of Business Insurance coverages you may want to consider as a car wash and auto detailer include: Building* Covers your building if it was damaged as a result of a fire ...

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Insurance for Furniture Manufacturers: A Guide

... * - Covers your building if it was damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy. Machinery Breakdown* - Machinery breakdown insurance covers the cost to repair ...

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Insurance for Manufacturers

... , plant and machinery, records and furniture belonging to you at the insured location. Building - this type of insurance will cover for loss and damage to buildings you own, as a result of an insured event (such as fire ...

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Understanding Insurance for Retailers

... s for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind). Glass* - a typical type of coverage for retail businesses is glass insurance, which covers for damage to internal ...

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Cyber Liability Insurance

... for your Cyber Liability insurance? Built for small business We know insurance and what makes small ... Relations firm to assist the insured with re-building their business reputation was also included. An expensive ...

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Insurance for Carpenters

... . Public Liability insurance may be a requirement for carpenters to receive a building or construction license ... BizCover for your Carpenters Insurance? Built for small business We know insurance and what makes small ...

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Do I Need Public Liability insurance?

... regardless of whether it is true, with Public Liability Insurance. Let the insurers and lawyers take care of the ... who visit your office, whether in a commercial building or home-based office Working at your client's ...

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Insurance for Makeup Artists

... , fire, storm or theft). It can provide cover for your building, contents, stock or event an interruption to your business. A business insurance package can even include tax audit, statutory liability or employment ...

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Insurance for Landscapers

... cover for tools No paperwork, no hassles Compare quotes from our trusted insurance partners*: Why do Landscrapers need insurance? Whether you're building retaining wall s or putting in new plants, landscaping is a ...

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Insurance for Plumbers

... can be found on the Victorian Building Authority website . What types of insurance do plumbers typically need? Public Liability Insurance* One of the first types of business insurance to consider is Public Liability ...

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Insurance for hospitality business

... your hospitality business and often will include Public Liability insurance, Professional Indemnity insurance , and Business Insurance. Business Insurance can insure your building (if you own it) and its contents , as ...

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Insurance for Flooring Installler

... businesses Compare quotes from our trusted insurance partners*: Why do flooring installation contractors need insurance? Flooring installers are essential to the building and construction industry. Customers rely on ...

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BizCover Disrupts Insurance by Commoditising it

... Gottlieb and business partner Gavin Donner are not new­comers to the insurance game. The pair built up - and still run - the successful insurance brokerage Mega Capital. However, last year in August they sold a majority ...

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Business Insurance Perth

... The nature of your business activities Why choose BizCover for your Perth business insurance Built for small business We know insurance and what makes small businesses tick. Clear and competitive pricing You can compare ...

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Business Insurance Melbourne

... The nature of your business activities Why choose BizCover for your Melbourne business insurance Built for small business We know insurance and what makes small businesses tick. Clear and competitive pricing You can ...

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Insurance for Electricians

... t bore you with jargon We're not fans of complicated insurance speak, so we talk to you in plain English. Built for small business We know insurance and what makes small businesses tick. Clear and competitive pricing You ...

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Insurance for Architects

... clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your ... (and did) result in the development being built three metres shorter than planned. The property ...

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Insurance for Psychologists

... a hassle-free quote for your business here. Insurance for Psychologists Professional Indemnity Insurance* Psychologists work hard to hone their professional expertise and to build a reputation, but there is always a risk ...

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Insurance for Contractors and Subcontractors

... or illnesses suffered outside of your employment. Why choose BizCover for your Contractor Insurance? Built for small business We know insurance and what makes small businesses tick. Clear and competitive pricing You can ...

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Tax Audit Insurance

... struggle to meet the financial costs of responding to an audit then you should consider Tax Audit Insurance. Beat the build up The construction industry was under review by the ATO and a small business was being audited ...

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Insurance for Concrete Contractors

... partners*: Why do concrete businesses need insurance? Concrete is everywhere, and your business is probably busy pouring and mixing for driveways, footpath construction, new builds and a lot more. But are you prepared ...

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7 key challenges in retail business

... protecting your business property (if you own it) and your valuable business assets becomes vital. Building insurance * covers your building if it is damaged as a result of a fire, storm, malicious activity or another ...

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14 tips for managing your business cash flow

... to build up a cash reserve, which can provide a buffer to help you manage unexpected events that may negatively impact your business. Business insurance such as Public Liability insurance , Building insurance , Contents ...

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Top money saving tips for your salon business

... come crashing down because of one unexpected claim. From Public Liability insurance to protecting your salon business assets with Contents and Building insurance , we've got your salon business covered. We know time ...

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6 marketing tips for your earthmoving business

... built for the long-term? As you devise the marketing strategy for your earthmoving business, you may also consider earthmoving insurance ... insurance: Public Liability Business Insurance Building Insurance Contents Insurance ...

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Information Technology Liability Insurance

... claims by third parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined term ...

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A Guide to PI Insurance

... 't know if they are getting the best deal. This is where BizCover steps in to satisfy your Professional Indemnity Insurance needs. BizCover allows you to get live online quotes in under 2 minutes , and purchase in only a ...

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Business Insurance Coverage

When looking for cover for your business there are a range of business insurance products that can provide financial cover for your business, some main types of coverages include:

  • Public Liability insurance
  • Professional Indemnity insurance
  • Business Insurance

 

A business insurance pack can provide cover for your business premises and contents, against loss, damage or theft as well as cover against any resulting financial loss from an insured interruption to the business. The type of business insurance and amount of cover you select will depend on the nature of your business and what areas you think you are the riskiest for you. Pick and choose the right business insurances that will suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party get injured or suffer property damage whilst you are doing business.

What is typically covered by Business Insurance?

A) Material damage loss for your physical assets
B) Financial loss due to Business Interruption

What is typically not covered by Business Insurance

  • Negligence/breach of duty arising from an act, error or omission as a result of your professional services
  • Flood damage is generally excluded from standard policies
  • Known claims and circumstances

Industries that may require Business Insurance

Across Australia there are many different types of small businesses that help the economy going, from personal trainers to IT wizards, coffee shop owners, cleaners and the trusty tradies. While your day to day operations as a business may be different, there is always an element of risk when your run your own business. This is a snap shop of some of the typical type of businesses that may require business insurance.

Get the right type of Business Insurance

Your business may be considered ‘small’ but it’s big to you and big to us. That’s why we want to make sure you have the right protection. We offer various cover options to suit a variety of businesses.

For some types of businesses, business insurance may be a requirement, for example:

  • You may need to have your own Public Liability insurance sorted before you step onto a construction site
  • If you work on contracts you may be required to have a minimum level of Professional Indemnity insurance in place
  • If you are renting your business premises, your landlord may require you to have your own Public Liability and in some instances Glass cover sorted

 

Take a few minutes to consider some of the following risk areas and think about which ones impact you and how much cover your business would need should things not quite go to plan.

Frequently Asked Questions on Business Insurance

Business Insurance provides you with protection if your business  assets or premises are damagedstolen or if you sustain financial loss due to  an insured interruption to your business.  

Business insurance usually falls into three categories: 

a) Material damage loss for your physical assets
b) Financial loss due to business interruption
c)Personal injury/property damage claims against you

When it comes to small business insurance, there are multiple coverage options to select from. Each type of cover is designed to protect against different risks that your business may be exposed to. Some of small business Insurance coverage options include:

Building Insurance* which  covers you for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind). 

General Property Insurance* which covers against theft and accidental damage of equipment, such as tools, laptops and mobile phones, while you are away from your office. 

Office Contents Insurance* which covers you against burglary, theft and accidental damage of office equipment such as chairs, desks and computers. 

Public Liability Insurance* which covers you if a third-party claim that your negligent business activities caused them injury or property damage. This includes defence costs cover. 

Glass Insurance* which covers you for damage to internal and external glass, mirrors, porcelain and signage at your business premises. 

Tax Audit Insurance* which covers fees of any accountants engaged in connection with an audit by the Australian Taxation Office. 

Business Interruption* which covers you  for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). 

Business Insurance is a packaged solution designed to protect your business from property, business and liability risks. There are different coverage options available under a Business Insurance pack, sometimes referred to as a Biz Pack. 

The great thing about small business insurance is that you can select the type of coverage that is tailored to the needs of your  business. Different businesses require their own unique forms of cover to protect them from the unique risks of their industry.  For example, the types of risks a restaurant owner faces will be different to  a dog groomer. 

common question SME operators ask is, “How much does Business Insurance cost?”. Unfortunately, there’s no  one-price fits all answer. Some of the factors that can influence the cost of a Business Insurance policy include: 

  • the type of cover and cover options taken 
  • the nature of your business 
  • the value of the property insured 
  • where your business is located 
  • the number of employees you have 
  • your  annual turn over 
  • claims history 

 

Have a chat to our BizCover sales team about the different kinds of Business Insurance we have available from some of Australia’s leading insurers to get an accurate cost of your Business Insurance policy.  

Just because you’re working from home doesn’t mean things can’t go wrong. Every occupation and workplace comes with its own level of risk, and insurance could help you manage the financial fallout if things don’t go to plan.

These are a few of the home-based businesses we cover:

  • Administrative support services
  • Answering & reception services
  • Beautician
  • Consultants
  • Dog walking
  • Dog grooming
  • Graphic designer
  • Hairdresser
  • Online shops
  • Photographer
  • Writers
  • Web developer

There are many types of insurance that home-based businesses consider, such as:

Public Liability*

Do you have clients visit your home-based office? Do you visit them in their office or off-site locations? You may want protection in place should you accidentally cause injury or damage to their personal property.

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.

Cyber Liability*

Working from home may make you a desirable target for cybercrime. The Australian Cyber Security Centre estimates that up to 200,000 Australian small office and home office routers may be vulnerable to compromise1. If your systems were attacked, the impact could be destructive to your business.

Cyber Liability insurance covers losses from claims arising from data breaches, business interruption and remediation costs following an actual or threatened data breach.

Your coverage may include cover for expenses and legal costs relating to the following:

  • Data breaches
  • Theft or loss of client information
  • Business interruption costs
  • Forensic investigation
  • Data recovery
  • Extortion
  • Fines and penalties
  • Crisis management costs (to restore your business reputation after an attack or data breach)
  • Legal costs from any ensuing civil action taken against you or your company

ASD’s ACSC Annual Cyber Threat Report, July 2021 to June 2022

Personal Accident & Illness*

Being self-employed, you may want to consider protection for your most important asset—you. This is where Personal Accident and Illness insurance comes into play, especially when you don’t have access to sick leave.

Personal Accident and Illness insurance 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 an unexpected injury or illness (even if it occurs outside of your employment).

Business Insurance Pack*

Looking for cover for your business contents, tools and equipment? What about protection to help you manage unplanned business interruptions, tax audits, or other risks associated with running your business?

You may want to consider a Business Insurance Pack, a customisable insurance package designed to help you cover the events above (and sometimes more) when an insured event occurs (such as fire, storm, theft or even accidental damage).

Options available through most Business Insurance Packs include (but are not limited to):

Contents*

Your home office may be full of business assets required to perform your job, like equipment, stock, and furniture. Even though these items are technically kept in your home, they may not be covered by your personal home & contents policy.

Contents insurance provides cover for loss of or damage to items such as business equipment, stock, plant and machinery, records and furniture belonging to you at the insured location.

Portable Equipment*

Running a home-based business doesn’t mean you’re always at home. If you are on the road and need items like your laptop, tools and equipment to perform your profession, you might consider protecting them with Portable Equipment cover.

Portal 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*

Anything can happen when you’re running a small business. If unplanned events force a temporary shutdown, Business Interruption cover could help you keep things going.

Business interruption provides cover 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’s designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).

Tax Audit*

A call from the ATO is enough to frighten many home-based business owners, and a tax audit is even scarier! You might want to consider cover to help you manage the costs of a business audit.

Tax Audit Insurance covers a business for specified costs in the event that it is selected by the Australian Tax Office for auditing. The policy offers coverage for the costs of accountants and other nominated professional fees incurred in the course of an audit.

Public Liability and Professional Indemnity insurance are two fundamental forms of cover that both protect against very different risks. The main difference is the type of duty of care that each cover seeks to provide protection for. 

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 are injured or sustain property damage as a result of your negligent business activities. 

It also provides protection for legal and defence costs associated with a covered claim. 

Professional Indemnity (PI) insurance* provides protection for businesses that provide specialist services or professional advice.  It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.  

Product Liability insurance* commonly forms part of a Public Liability insurance policy, providing protection for your business against claims by third parties relating to property damage or personal injury caused by your products.  

The term ‘Product’ is typically defined as anything that has been manufactured, constructed, erected, assembled, installed, grown, extracted, produced, processed, treated, altered, modified, repaired, serviced, bottled, labelled, handled, sold, supplied, re-supplied, distributed, imported or exported by you, or on your behalf.  

Product Liability insurance is designed to support you when your products cause a third party to sustain personal injury or property damage.  Product Liability insurance is intended to cover  compensation payable to a third party and your defence costs (these are the reasonable costs incurred while investigating and defending a covered claim including legal fees, experts fees and court costs).  

Product Liability insurance is there to help you from the moment an allegation of negligence relating to your product is made.   

Always check the limit of cover offered by your policy and any exclusions or geographical limitations.  

Prefer to talk?

Call us and talk to a real person.
Friendly, helpful service from a business insurance professional.

1300 249 268

Mon-Fri 8.30am-7.00pm
Sat 9.00am-5.00pm

*  This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.