What is Business Insurance?

... The options include: Building Insurance which covers any physical buildings which you may ... own against fire and perils. General Property Insurance ...

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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 ... to want to insure it! Building insurance covers the costs of repairing ... a quick quote handpicked from Australia's leading insurers is only a ...

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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 ... ... most. Personal Accident and Illness insurance* can provide different levels of ... We work with some of Australia's leading insurers and can provide ...

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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 ... ... can cause damage to your building, stock and contents – fire, storm ... an unforeseen event. Business Interruption insurance is designed to compensate you ...

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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 ... ... your profession. Professional Indemnity Insurance explained. Business Insurance Business Insurance often comes as ... You've put tremendous effort into building your business, so it's important ...

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Business Insurance

... of time and effort into building your business. Don't risk wasting ... be in business tomorrow. Business Insurance can provide financial cover for ...

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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 ... ... another location. Business Insurance Tailored cover to protect your building and contents ... to have Business Interruption Insurance. (Vero SME Insurance Index,2016) 3. Do ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... your overall business insurance plan. What types of insurance should food businesses ... only available if you insure Building or Contents. Machinery Breakdown - ...

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Business Interruption Insurance: Your 'Get Out of Jail Free' Card

... 'lock up' operations. Business interruption insurance can provide both peace of ... when you need it most. Australia may be the lucky country .. ... operated by you anywhere in Australia away from your location. Restoration ... an insured event. Business interruption insurance policies are specific, however, and ...

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The Easter Bunny's Guide to Business Insurance

... consumed around the world. In Australia alone close to $200 million ... ... consumed around the world. In Australia alone close to $200 million ... stop working? Within a Business Insurance pack the Easter Bunny would ...

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Do I need insurance for my market stall?

... clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice ... ... clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice ... wide range of potential risks. Insurance for market stall holders is ...

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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 ... ... valued on your insurance certificate. Did you know? Yoga Australia recommends the ... following minimum levels of insurance cover for ...

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Business Insurance the Smart Way

... occupations. BizCover instantly provides multiple insurance quotes online and you can ... mail or days of waiting Australia's leading insurers all in one ...

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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 ... your current policy. Your personal insurance doesn't cover your business A ... dollar claim. However your business insurance may cover personal items If ...

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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 ... ). What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of ... Thinking About Professional Indemnity Insurance? Professional Indemnity Insurance forms the largest percentage ...

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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 ... were minimal. SME Professional Indemnity insurance prices have also remained flat ... BizCover platform to reduce their insurance costs with comparable cover.” Download ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... The latest BizCover Small Business Insurance Price Index has been released ... not universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 ...

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Small Business Continues to Win on Insurance Prices!

... ; however the BizCover Small Business Insurance Price Index for the first ... ... ; however the BizCover Small Business Insurance Price Index for the first ... small businesses! Prices across all insurance classes were stable across the ...

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5 Common Beauty Insurance Claims

As much as we like to hope otherwise, unexpected events happen! Things can go dreadfully wrong despite the best efforts we take to prevent them - and the simplest of ... kinds of situations. Disaster strikes Australia is no stranger to the ... it. “Thankfully my Business Insurance policy included building and contents cover”, says ...

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6 Areas You May Not Have Thought Business Insurance Covers

Your business is your livelihood. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, storms ... were built. It's also important to ensure you don't underinsure your building ... Business Insurance if you make a claim on an underinsured building, (perhaps ...

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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 ... business . Is insurance mandatory for your business? In Australia for some business ... sectors you'll find certain types of insurance is ...

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The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small business owners tend to be juggling many balls - managing clients, cash flow, staff, stock and future planning ... or underinsured and the Insurance Council of Australia estimates that 70% of ... 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... Why do I need architect's insurance? Within Australia, the architecture industry is ... territory requires. Professional Indemnity Insurance Professional Indemnity insurance should be one of ...

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5 Reasons To Review Your Business Insurance This Christmas

Christmas can be a busy (as well as stressful!) time for many small businesses. Come December the big Christmas countdown is on as people are busy preparing for the end ... you're protected within your Business Insurance pack, as with increased trading ... bushfires in Perth and South Australia. If your business was to ...

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Business Insurance FAQs

... of FAQ's designed to make insurance easy to understand. Get Free ... cover by comparing quotes from Australia's leading insurers today. Get Free ...

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Insurance Considerations for Personal Trainers

Working as a personal trainer can be a rewarding career. Not only do you get to help your clients achieve their goals and transform their lifestyles, but it's also the ... of risk consider public liability insurance which will provide financial protection ... Out More About Professional Indemnity Insurance Luckily many insurers have realised ...

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Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you're like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... best value on your business insurance. Cover yourself up! Check your ... making a claim having enough insurance could mean the difference between ...

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Protect your business with Statutory Liability Cover

... are many different types of insurance policies available to small businesses ... are unaware that there is insurance designed to protect against ... and features of Statutory Liability insurance. Australia and the law There are ... Therapeutic Goods Act Mining Act Building Professionals Act Electricity Act What ...

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Is your Small Business Summer Proof?

Summer in Australia is a great time of ... ... when you get your Business Insurance you also cover for Business ... been burnt in bushfires across Australia, the majority of these between ...

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When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and excluded ... When it comes to Business Insurance, understanding what's included and excluded ... cover for your building, contents and/or stock a Business Insurance policy usually ...

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The Remaining Risk: What Isn't Covered and Why it Matters

... most common issues with Business Insurance is that policy owners often ... ... work again. Cyber Liability Insurance – Cyber Liability Insurance protects against the expenses ... underestimate their business building and contents' value for insurance purposes, in an ...

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Customer Spotlight: Cheaper Buy The Dozen

... major online wine companies in Australia. "We now […] ... as award-winning wines from across Australia, delivering online orders directly to ... of a comprehensive and robust insurance plan for his business. “I ...

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Being financially prepared for Bushfire Season

... Areas stretching from south-eastern South Australia to the north of Rockhampton ... the south-western corner of Western Australia, are […] ... Areas stretching from south-eastern South Australia to the north of Rockhampton ... free as possible. Contact your insurance provider as soon as possible. ...

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A Close Shave with Underinsurance

... to make sure that your Insurance grows with your business and ... number of small businesses in Australia are underinsured and many don't ... ... number of small businesses in Australia are underinsured and many don't ... closed. Luckily, the Business Interruption insurance that Samantha had added to ...

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We Bar None wins the 36th BizGiver Grant

... health-conscious products. Ellen's products have built up a fan base for ... ... health-conscious products. Ellen's products have built up a fan base for ... with more distributors all over Australia and potentially overseas. “My goals ...

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Pet Stays, becomes the 32nd BizGiver winner

... the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant ... ... clients and pet sitters around Australia,” enthuses Jeannene. “Our success is ... more traditional methods of buying insurance, said Michael Gottlieb, Founder and ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of ... against your business. Like all insurance policies, there are several important ... ... against your business. Like all insurance policies, there are several important ... providing negligent advice in both Australia and overseas, he failed to ...

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Kate Owen Gallery wins BizGiver Grant

... local Rozelle area, and throughout Australia, for its contemporary Indigenous Australian ... ... local Rozelle area, and throughout Australia, for its contemporary Indigenous Australian ... initiative, started by BizCover Business Insurance, has given away over $45 ...

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Customer Spotlight: Cazeil Creative

... Blue Mountains. The business has built its name capturing […] ... Blue Mountains. The business has built its name capturing and immortalising ... value of your skills and building a reputation. “My proudest achievement ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and sometimes ... the nitty-gritty to understand what insurance is being offered and which ... especially ... your insurer. Portable Equipment This insurance provides repair or replacement for ... to the vehicle or locked buildings. Theft of equipment securely attached ...

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Despite Insurers Talk, Premiums Won't Walk

... Talk, Premiums Won't Walk… SME Insurance Premiums Stay Flat Over the ... quarters the BizCover Small Business Insurance Price Index (Graph ... quarters the BizCover Small Business Insurance Price Index (Graph 1) has ... increased premiums for property related insurance which is more commonly bought ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... down the price ... down the price of professional/business insurance for Australian SMEs. Since the ... with capital chasing returns in insurance.” The Professional Indemnity rates reduced ...

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

As we say goodbye to those sunny summer days and hello to fresh, frosty mornings, the change in seasons is a prime time to make sure your business premises is prepared ... : Increase lighting around your business building with sensor lights Make sure ... these areas. Having Public Liability insurance is one of the vital ...

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World Snake Day Customer Spotlight

Here at BizCover we find ourselves insuring all kinds of different businesses. From caf owners and electricians to personal trainers and reptile rescuers. Today, on World ... to be very important is building my public profile in the ... the world but especially in Australia. Even variations between snakes of ...

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Prevention & Protection - The Big Burglary Buffers

If you've ever arrived at your shop or store to find a smashed window or broken door, you'll remember the sinking feeling and the despair that follows. Having your business ... two million small businesses in Australia can be a rewarding and ... theft can also reduce your insurance costs considerably. Insurers appreciate the ...

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Pure Flowers wins the latest BizGiver

PURE FLOWERS, THE LANE COVE BOUTIQUE FLORIST HAS WON BIZCOVER'S $2000 BUSINESS GRANT AND WILL NOW BE ABLE TO KICKSTART THEIR ONLINE PRESENCE WITH A YEAR'S WORTH OF WEBSITE ... reach success.” BizCover, Australia's leading online business insurance service, started the grant ... can educate their customers and build up their online presence. “[Engaging ...

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Money

... to considerBack to Business Insurance Money Money insurance protects your business money ... left in the building outside business hours. Outside of Australia (subject to ...

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Beauty Laine wins the 39th BizGiver Grant Competition

Working in the beauty industry for over a decade now, Elaine O'Hara previously owned a salon for two years before selling it so she could spend more time at home with ... the highest quality device, at affordable prices. It will allow us ... is also incredibly proud of building up her client base from ...

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10-Year Customer Spotlight: Circul8

In light of BizCover's 10-year birthday, we wanted to take a look at some of our customers who have been with us since the very beginning. Today we're looking at Circul8 ... International, Cancer Council Australia and Horticulture Innovation Australia - just to name ... a business doing it because building a business is relentless. It's ...

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Customer Spotlight - Lucid 8 Unisex Apparel

To celebrate International Women's Day, Thursday March 8th 2018 we are celebrating one inspiring female entrepreneur, BizCover customer Laura Vogt and her business Lucid ... factories or sewing studios across Australia and around the world. “The ... that to motivate you into building your best life.” ——————————————————————————————————————————— You can ...

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Portable Equipment

... to considerBack to Business Insurance Portable Equipment This insurance cover provides repair ... building? Your insurer may distinguish between these two. ← Back to Business Insurance ...

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Customer Spotlight: Being Brands

For this week's Customer Spotlight we look at creative brand agency, Being Brands. Being Brands is a creative agency located just outside of the Sydney CBD in Hunter ... supported.” This supportive culture includes building up junior staff members with ... for new clients, so having insurance is an essential requirement. “ “BizCover ...

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The Risks of Growing Your Small Business

"The only strategy that is guaranteed to fail is not taking risks." - Mark Zuckerberg There comes a time when every successful enterprise needs to ditch the baby steps ... more staff, create new lines, build a website or take on ... a year. Consider Cyber Liability insurance, especially if your business relies ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their cash flow. Whether you are just starting out or have been in business a while, you'll want to make sure every dollar ... such as WebCentral, who offer affordable web design packages which will ... , credit card, bank account or insurance for their business. It may ...

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Scooter & Jinx wins BizGiver Grant

SCOOTER AND JINX, A MELBOURNE COFFEE SHOP, SCOOTS AHEAD OF THE COMPETITION AND WINS THE BIZGIVER $2000 SMALL BUSINESS GRANT. Tucked away in Little Collins Street in Melbourne ... of the tastiest toasties in Australia. “I would fly from Perth ... I started this venture to build a future around our love ...

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Customer Spotlight: Elite Words

On today, International Women's Entrepreneurship Day, we celebrate with one entrepreneurial BizCover customer, Natalie Dawson of Elite Words. After over ten successful ... made a name for itself building client success through high-quality copywriting ... worry about the cost of insurance.” “In the short term, organisations ...

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Preparing your store for the holiday season ahead

The holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... against fire and other perils. Australia is well known for extreme ... , which includes having sufficient Business Insurance coverage to provide financial protection. ...

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BizCover Customers' Top Tips To Grow A Business

What is it that empowers people to take the plunge and start a business? Also, and perhaps most importantly, what is the secret to sustaining that motivation and passion ... accredits their continued success to building a strong and vibrant customer ... their confidence is bolstered by Australia's economy. Despite having concerns about ...

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Hardship & Triumph: Aussie Entrepreneurs Tell it How it is - Part 2

World Entrepreneurs' Day may have been and gone but quite frankly, we think there should be an entire week dedicated to this lot - so that's exactly what we're doing ... of Statistics, 61 percent of Australia's small businesses are sole traders ... found a niche within the insurance industry by looking at where ...

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New Sapphire Coast business gets a $2000 head start

New Sapphire Coast business gets a $2000 head start Riley Cumming, has been running Sapphire Coast Mobile Mechanic for only a few months but already the Merrimbula resident ... permits, stock/raw materials or inventory, insurance, rent, fit-out etc. and on ... grant program, is Australia's top online business insurance service and started the ...

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Young Penrith Entrepreneur Recognised in National Grant Competition

It's only been ten months since Kaydee Gosper opened KD Hair, but since then she's already made a name for herself for her signature colour and styling, been nominated ... grant program, is Australia's top online business insurance serviceand revolutionised the industry ... to quickly compare multiple business insurance quotes for free online and ...

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A $2,000 Wish for Your Small Business

Ask any small business owner about the most difficult aspect of running a business and you'll most likely get an array of answers. However, one thing in common that most ... wishes of small businesses around Australia since 2014 with their BizGiver ... more traditional methods of buying insurance,” said BizCover Founder and Managing ...

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Goods in Transit

... notThings to considerBack to Business Insurance Goods in Transit Protects you ... operated by you anywhere in Australia. Did you know? In the ...

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Progressive Distillery in Hobart Tasmania, defeats hundreds of others Small Businesses Nationwide to become the latest winner of BizCover's $2000 grant, BizGiver.

Deviant Distillery, a high tech distillery in Hobart Tasmania, is doing something no one has even though of before. They've developed their own propriety technology that ... BizGiver, run by Australia's first online Small Business Insurance Comparison Site, is ... entries from businesses owners across Australia. The past winners of this ...

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'Children of Night Markets' wins the latest BizGiver

PHILANTHROPIC ORGANISATION HELPING YOUNG CHILDREN RECEIVES THEIR OWN HELPING HAND. "Children of the Night Markets", have won the coveted BizGiver $2000 grant for the ... BizGiver competition, started by Australia's leading online business insurance service BizCover, grants ... the community, across all of Australia and it's inspiring to see ...

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Jobs Shared wins the latest BizGiver Grant

THE LATEST WINNER OF BIZGIVER $2000 GRANT HAS BEEN NAMED AS JOBS SHARED, THE INNOVATIVE NEW JOB SHARING EMPLOYMENT SERVICE. After Simone McLaughlin had her first child ... every type of business across Australia, it's inspiring to see these ... reach success.” BizCover, Australia's leading online business insurance service, started the grant ...

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ET Circus is the latest winner of the BizGiver Grant

ET Circus, a much loved entertainment business in the sunshine coast community has won the BizGiver grant and will soon be receiving a brand new air track to add to their ... their BizGiver grant. BizCover, Australia's leading online business insurance service, started the ... every type of business across Australia, it's inspiring to see these ...

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The State of Small Business

It's that time of the year again, when we dust off the blue and maroon jerseys and battle it out on the footy field for the prestigious title of State of Origin champions ... the same pain points, including: Building the business and getting new ...

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Challenges of the Furniture Manufacturing Industry

Modern furniture design Furniture design isn't exactly easy. Furniture designing is an artistic niche that caters to both the functionality, as well as the visual appeal ... also important to choose suitable insurance coverage to give you peace ... Challenges of furniture manufacturing in Australia Despite the uptake in Australian ...

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A roadmap to staying in business for the long haul: Part 2

The journey to becoming a successful small business owner is one of twists, turns and the occasional speed bump. In our two-part series (catch up on part 1 here) we map ... do best, stress-free. Having business insurance gives you peace of mind. ... touch with the BizCover team, Australia's Small Business insurance specialists.

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Customer Spotlight: Tirol Sports

To celebrate the start of winter, we're talking to one of our wintery small businesses, Tirol Sports. Some of the new gear freshly unpacked for this winter.?#tirolsportsathotham ... skier, learnt to ski in Australia and then spent several ski ... in Europe before returning to Australia to start Tirol Sports. He ...

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Customer Spotlight: Yummy Dogs

There are good dogs and bad dogs. Eight years in, and Yummy Dogs founder Olaf is slowly but surely weeding out the rogues with a fresh dedication to quality hot dogs ... has worked for many of Australia's big brands (including media, airlines ... quite a bad reputation in Australia. Sausages were the bland, red-skinned ...

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Business Interruption

... notThings to considerBack to Business Insurance Business Interruption Cover Most small ... to its knees. Business interruption insurance is designed to provide compensation ...

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Machinery Breakdown

... to considerBack to Business Insurance Machinery Breakdown This insurance covers the cost ... machine referred to on your insurance certificate that suffers insured damage ...

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Latest Small Business Buddy Winner: Evermore Memories

MEMORY MAKING BUSINESS GETS A MEMORABLE PRIZE. Latest Winner of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a new unique business based in Geelong ... for a camera. BizCover, Australia's leading online business insurance service, started the ...

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Stranger Businesses

With Stranger Things returning to our screens, season 3 instantly transports us back into the sci-fi world of the 'upside down', unruly mullets, giant walkie-talkies ... offer a variety of insurance options from Australia's top insurers. Providing cover ...

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Sto Lat Restaurant & Café wins the BizGiver grant

Conveniently located in Ashfield, the heart of the Inner West, is the latest recipient of the BizGiver grant, the Sto Lat Restaurant and Caf! The restaurant specialises ... codeshare arrangements from Warsaw to Australia and New Zealand. Eleonora cites ...

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Customer Spotlight: Sunshine Confectionery Outlet

To celebrate World Chocolate Day, we're taking a look at one of our customers who's in the business of appealing to our sweet tooth, Sunshine Confectionery Outlet. Boasting ... , as well as offering delivery Australia wide. They have received rave ...

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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.

Excellence in Customer Service


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

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.