What is Business Insurance?

... . Simply select which cover options which are important to your business. The options include: Building Insurance which covers any physical buildings which you may own against fire and perils. General Property ...

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How much does Business Insurance cost?

... cover options taken out by retailers Looking at the below graph, it is clear to see that Public Liability insurance is the most popular taken out by retail businesses at 91%, followed by Contents, Glass and Theft cover ...

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Business Insurance FAQs

... the answers! Check out our library of FAQ's designed to make insurance easy to understand. Get Free Quotes Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the ...

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Business Insurance

... you have put a lot of time and effort into building your business. Don't risk wasting all this effort by ... suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the ...

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Common Small Business Insurance Claims and How to Prevent them.

... . Whilst you've got the insurance to help you out, you ... ... and your bottom line. Whilst you've got the insurance to help you out, you'd ultimately rather avoid ... sure there is adequate lighting outside and/or inside the building after hours can go a long way in deterring break- ...

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Business Insurance the Smart Way

... suits all kinds of start-ups and small businesses - over 6,000 occupations. BizCover instantly provides multiple insurance quotes online and you can select and purchase the right cover, at the right price on the spot ...

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Professional Attire Insurance

... hat better than a member of the Village People? There's now a revolutionary solution; Professional Attire Insurance, that covers you for any damage to your professional uniform, offering a rapid replacement service for ...

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Business Insurance in Wollongong

... 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 ...

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Business Insurance in Bunbury

... 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 ...

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Business Insurance in Melton

... 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 ...

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Business Insurance in Parramatta

... 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 ...

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Business Insurance in Toowoomba

... 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 ...

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Business Insurance in Townsville

... 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 ...

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Business Insurance in Launceston

... of their customers, suppliers and the community and for their property. “Friendly and happy service compared to another Insurance Company that we had been with for 15 years, who didn’t want to know us! So ‘good ...

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Business Insurance in Mackay

... 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 ...

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Business Insurance on the Gold Coast

... 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 ...

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Business Insurance in Geelong

... 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 ...

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Business Insurance on the Central Coast

... 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 ...

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Business Insurance in Cairns

... 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 ...

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Business Insurance in Bundaberg

... for their property. “Very knowledgeable, very friendly and was able to answer any questions I had. Also had my insurance sorted out under 20 minutes which was fantastic. I know exactly what I’m paying for, and any ...

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Business Insurance in Newcastle

... 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 ...

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Portable Equipment

... had secured the specified property as required by the policy terms and conditions. *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

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Business Interruption

... be just one part of your wider disaster recovery plan - a plan that should include both a broader insurance package and a clear guideline for how your business would react and recover after a disaster event. Need 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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Employment Practices Liability

... made against you during the policy period which you notify to them in that period *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

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Statutory Liability

... insures the cost of fines and penalties, as well as pollution liability defence costs. *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

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Money

... the money until the time your financial provider ceases trading the following day. *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

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Theft

... cover your contents and stock from theft, attempted theft or armed hold up. It is not uncommon for theft insurance to require the item stolen to have been securely stored before the theft and for there to be evidence of ...

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Goods in Transit

... on the invoice paid by you All other goods including plant transfers - market value *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... .com), a leading-edge online insurance model that connects independent professionals ... critical Professional Liability (E&O) insurance solutions ... and extensive negotiations with top-tier insurance companies, we have built a robust platform that has driven ... provide unparalleled access to affordable, customized, real-time insurance solutions. Our entire purchasing ...

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Mind the Gap: Understanding Underinsurance

... insuring their business assets and building premises. One of the first ... ... the removal of debris are additional cost factors which are often overlooked when arranging a Building insurance policy. Taking these additional costs in to account may reduce the risk of being underinsured ...

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Understanding Insurance for Physiotherapists

Your clients rely on your expert advice and services as a physiotherapist. You help ease their aches and pains from minor sprains to long-term rehabilitation programs ... your most expensive asset insured. Could you afford to re-build and maintain an income if a disaster were to strike ? Building insurance c overs your building if it was damaged as a result of a fire, storm ...

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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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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 ...

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Insurance for Civil Engineers- what you need to know

... in the hard-yards to build your engineering business, so it ... about what kinds of business insurance coverage you may need to ... ... of the other things Business Insurance can also provide cover for include Building insurance (if you own your building) Contents and Machinery breakdown. Cyber Liability Insurance If your engineering business ...

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Insurance for martial art teachers

... 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 insurances every convenience store owner needs to know about

You're a retail lifesaver, helping customers at all hours with all sorts of essentials, from early morning coffees to midnight snacks. As a convenience store, you've ... drag of a major city, if you own your bricks and mortar, you are going to want to insure it! Building insurance covers the costs of repairing or rebuilding your store as a result of fire, storm or other insured events ...

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A Guide to PI Insurance

... to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity ... is Professional ... 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 ...

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Business Insurance Guide for the Self-Employed - Part 4

... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share ... is Personal ... at work. He required surgery and time off work to recover following his injury. His Personal Accident and Illness insurance provided a weekly benefit of $1,700 a week for a period of six months. The total policy benefit ...

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Insurance for Gift Shops

... plant and machinery, records and furniture belonging to you at the insured location. Building* - This 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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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... created a guide to business insurance for the self-employed that ... and outs ... a bit easier . We've created a guide to business insurance for the self-employed that profil es the main types of ... comply with Australian standards of building setbacks for transmission lines , which ...

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Business Insurance Guide for the Self-Employed - Part 3

... in the world of business insurance, it can feel like you ... guide on all things Business Insurance for the self-employed. In ... back to basics ... potential risks . A way to look at what business insurance options your business may need is by gauging what you ... violent entry to locked vehicles or locked buildings Theft of equipment securely attached to a ...

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How Does Professional Indemnity Insurance Benefit You?

... advisable that you have professional insurance, which can also be referred ... to as professional indemnity insurance. Professionals are expected ... , which can be filed against them by their clients. It is advisable that you have general business insurance in order to protect you from financial losses caused by property damage or bodily injury. In addition to ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... . Failure in obtaining public liability insurance policy can expose a business ... ... damage to a third party as a result of your business' activities. Failure in obtaining public liability insurance policy can expose a business to a range of risks. As a business, you will inevitably have interactions ...

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Understanding Insurance for Graphic Designers

... , that's when your business insurance comes into play. We've ... ... you delivering on projects . W hen things don't go to plan, that's when your business insurance comes into play. We've put this simple guide together to help graphic designers get a better understanding ...

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Insurance for Car Wash and Auto Detailers

... 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 ...

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Insurance for Convenience Stores

... daily makes Money cover a vital form of insurance to consider, particularly considering data from the ... is inoperable due to breakdown. Building* – if you own your business premises then Building cover is a no-brainer. ...

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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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Insurance for Plumber

... plumbers to hold minimum levels of public liability insurance before they can operate. Further details can be found on the Victorian Building Authority website . Insurance for Plumbers Public Liability One of the ...

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Do I need Public Liability insurance?

... who visit your office, whether in a commercial building or home-based office You manufacture and/or sell ... a commercial property. Do I need Public Liability Insurance if I have a home-based business? Running ...

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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 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 Pet Professionals

... with your business. These can include tools of trade and items of stock. Personal Accident and Illness insurance Take a moment to consider if you were to suffer an accidental injury or fall ill . W ...

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Home Based Business Insurance

... it occurs outside of your employment). If you have purchased sickness/illness cover as part of your personal accident insurance you may be able to claim if you are diagnosed with COVID-19 and that diagnosis results in ...

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Insurance for Professionals

... you're in the business of providing expert advice to your clients, we're in the business of providing insurance options to keep you protected. Whether you're an expert at balancing the books or the creator of the ...

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Small Business Insurance: Why you might want to ensure you're covered!

Running a business can be rewarding, challenging but also stressful. While you will are taking control of your earning potential and the upside can be great, there are ... landlord. Or if you take out a contract with a large organisation they may stipulate that you have certain insurance to work for them. For example handymen are often required to have at least $5 million public liability ...

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Insurance for Social Workers

... cases takes a great deal of responsibility and is not without risks. At BizCover we provide a range of insurance options for social workers who operate from an office, private practice or on the road. Take advantage of ...

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Insurance for Lawn Mowing Services

... unexpectedly fall ill or suffer an injury, how would you keep the cash flowing? Personal Accident and Illness insurance provides a safe guard when disaster strikes at work and will also cover you when you've downed the ...

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Insurance for Project Managers

... need it? Bringing projects to life is your expertise. But when it comes to  organising  your business insurance, this is one project you can outsource. We can provide multiple quotes from some of Australia's ...

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Insurance for Plasterers

... or damage, as well as theft from a locked vehicle – anywhere in Australia. Personal Accident and Illness insurance* As a plasterer your physical ability is important. Think about how you would pay the bills if you ...

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Insurance by Industry

... and Tax Audit. At BizCover, we are aware that those who operate in varying industries, often have specific insurance needs and so we aim to provide a policy to suit you and your business. All the policies we ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of ... and creativity learnt over time. Building custom cabinets for kitchens, bathrooms ... ... risks every day. Having the right types of insurance in place to protect your cabinet making business ... ver for Portable items Over time you have probably built up a collection of tools that you rely on ...

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Insurance for Restaurants & Cafes

... minute to sit back, relax and look at our menu of insurance options for your business. What's more, you don't need ... you can insure the building and all its contents: Building - if you own the building you will want to ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... mind assets such as their building, contents and stock. But did ... ... When looking for Business Insurance , most small business owners typically worry about covering the major things such as their legal liabilities and top of mind assets such as their building, contents and stock. But ...

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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... explained. Business Insurance Business Insurance often comes as a package encompassing a range of different coverage options for you to choose from, with the most common being Building, Contents, Theft, Glass ...

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Insurance for Furniture Manufacturers

... wrong. This is where business insurance comes into play and should ... . The process of arranging your insurance can feel overwhelming at times . ... - 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 ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a health check of your insurance to ensure that if the ... ... related activities, either at the workplace or at another location. Business Insurance Tailored cover to protect your building and contents: for material damage losses suffered from an unexpected event ...

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What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... and outs of Public Liability insurance and what you need to ... . So what is Public ... a contractual requirement that you have Public Liability insurance in place well before picking up the tools ... plasterer installing a ceiling. When he went inside the building, he put his foot on the wrong timber and ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... a disaster was to strike? Fortunately, there's an insurance policy for that! With a whole menu full of ... cover is only available if you insure Building or Contents. Machinery Breakdown - offers protection ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... ... a common requirement for those that work on building sites and those working within gyms and fitness ... the long run, so don't be afraid to ask your insurance agent what certain features and benefits are if you are unsure. ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

You've worked hard to build your business, so it makes ... Professional Indemnity and Public Liability insurance. #1 Protection against claims of .. ... You've worked hard to build your business, so it makes sense to protect it. Below are the top 5 reasons NHAA members should hold and maintain Professional Indemnity and Public Liability insurance . #1 Protection ...

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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 ...

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Insurance for Disability Workers

... help your clients. Whether you a sole trader, contractor or carer possibly as part of the National Disability Insurance Scheme (NDIS), you could be exposed to risks which may result in a Professional Indemnity or Public ...

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BizCover SME Insurance Price Index Q2 FY20

More larger businesses with simple insurance needs are using BizCover for ... their insurance, while smaller businesses benefit from ... this quarter ... Retail & Hospitality. Whilst all three groups have experienced no increases in the overall price of their insurance, there have been changes within product groups and industries. The Full Report can be viewed here: SME ...

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BizCover SME Insurance Price Index Q1 FY20

... reductions on their Public Liability insurance, while prices have remained steady ... ... its highest in five years and transport costs increasing steadily. The increase did not affect the cost of insurance for small businesses on the BizCover platform as prices dropped to the lowest point in 24 months. The ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... contract or as a condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What can ...

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Professional Indemnity Insurance for Civil Engineers

... a professional, considering Professional Indemnity insurance to protect* you and your ... ... Policies for Civil Engineers When it comes to insuring civil engineers, there's no one size fits all insurance solution because every business is different and no two businesses are the same. Each business has its own ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... to a cyber attack or breach of information where the land surveyor may be held accountable. A Cyber Liability insurance policy is designed to help protect you from claims and support your profitability in the event of a ...

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Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... and Retail & Hospitality. Whilst all three groups saw have seen no increases in the overall prices for their insurance, there have been changes within product groups and industries. The Full Report can be viewed here . ...

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iSelect partners with BizCover to launch business insurance comparison

... expanded their general insurance offering to include business insurance, through a partnership ... , Australia's leading small business insurance ... with one of BizCover's trained consultants. Mark Pangrazio, iSelect's Head of Commercial for Health & General Insurance, said the company was thrilled to be partnering with BizCover to assist it in focusing on the SME ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... Breathe in, breathe out, and let a wave of calm wash over, letting the stress of arranging your yoga teacher insurance go. As a yogi or yogini, you don't have time to be worrying about having the right cover in ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... enough? Whether you're opening up a new business or have been in business for a while and looking to buy insurance for the first time; there are a few questions you can ask yourself upfront to help save you time and ...

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BizCover SME Insurance Price Index Q1 FY21

... clients buck the trend of insurance price hikes. Whilst the Australian ... the availability and pricing of insurance for SMEs, BizCover can report ... there were some clear winners and some losers. The Full Report can be viewed here: SME Insurance Price Index Public Liability insurance is an essential cover for SME's and one that most can't afford to operate without ...

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Understanding Insurance for Interior Designers

... where having the right business insurance in place is vital. Let ... and outs of how business insurance can protect your interior design ... ... saves the day, by providing financial protection when you need it the most. Personal Accident  and Illness (PA) insurance covers you for loss of income if you were unable to work as a result of an injury or ...

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Management Liability Insurance

... ’s included & what’s not? Get the right cover Could this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in the ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... BizCover Small Business Insurance Price Index has shown insurance rates ... Director of BizCover commented “While there is still an abundance of capacity and fierce competition in the insurance market, insurers have managed to hold onto their rate increases from last quarter. I suspect given the ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... to review and update your coverage every year. No doubt your business is on the move and changing and so your insurance needs will also be changing and you'll want to make sure you have a policy that covers your business ...

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase ... of 5 points in the second quarter of FY2015/2016, the first increase seen in 10 quarters. This brings the insurance rates back to the same level as Q4 2013/14 (6 quarters ago). It should be noted that rates are ...

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What Limit of Professional Indemnity Insurance Do I Need?

... 'What limit of Professional Indemnity insurance do I need?' While this ... ... a good idea to contact the association and check whether there is a minimum limit of Professional Indemnity Insurance you are required to maintain to comply with their compliance requirements. They may also be able to ...

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Steady as she goes - still no increases in Insurance Premiums!

... The BizCover Small Business Insurance Price Index is indicating ... market for small business insurance continues to benefit from ... stability in ... driven by continued competition, as well as capacity in the market. This has been the case across all insurance classes for small business, all of them seeing little change over the quarter, once again. As forecast ...

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Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part ... ... cover option of public liability. Hish says his clients expect his business to be covered by professional indemnity insurance to ensure there is cover in place in the case of any potential legal action they may take ...

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STABLE INSURANCE RATES A REASSURANCE FOR SMEs

BizCover's SME Insurance Price Index has unveiled a ... the COVID-19 pandemic with insurance rates remaining flat for a ... acquired from BizCover's ... year and fell a further seven per cent this quarter,” he said. “Key sections of business pack insurance that are frequently used by retailers such Contents, Glass and Theft all showed noticeable price declines. “The ...

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The business of Business Insurance*

Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and effort into building your business. Don’t risk wasting all this effort by not protecting your business assets from unexpected events. No matter how much you plan and prepare for things, sometimes there are circumstances that are out of your control – you need to ensure you have a plan to protect your business today to ensure you’ll be in business tomorrow.

Business Insurance can provide financial cover for your business, including the 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 cover and amount will depend on the nature of your business and what areas you think you are the riskiest for you. Pick and choose the cover options that 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.

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Independent feedback from our customers rated our service at excellent.

What is included?

A) Material damage loss for your physical assets

B) Financial loss due to Business Interruption

Choose cover options below!

What is typically NOT covered?

  • 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

Download Business Insurance Fact Sheet

Link to Business Insurance Factsheet

Get the cover that is right for you

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.  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.

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general only and should not be relied upon as advice.