5 Surprising Things Business Insurance Can Cover

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

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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 to ... much cover is enough? Whether you're opening up a new business or ... have been in ... of cover available to businesses. Public Liability insurance covers against the legal costs for ... Management Liability insurance covers businesses and their directors personal assets against legal costs for allegations ...

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6 Areas You May Not Have Thought Business Insurance Covers

... it's vital to protect your business assets and revenue against potential risks ... that may impact your business, such as fire, storms, theft .. ... it's vital to protect your business assets and revenue against potential risks ... with all the other cover options offered through Business Insurance if you make ...

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Dishing up the facts on food business insurance

... whether you have the right business insurance. When it comes to insuring ... your small food business, sometimes it can feel like ... ... loss or damage to your business assets, all of which can result ... Business Interruption insurance. It provides cover for loss of income and the increased costs ...

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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one ... need to protect your assets is Small Business Insurance. But what kind of ... insurance ... not only covers the cost of compensation, but your defence costs as well. ... ? Your Business Insurance will help you cover of getting your physical assets back in ...

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

... the most common issues with Business Insurance is that policy owners often ... being aware of what isn't covered should also be considered, [… ... delivery of a service. Business Insurance – This can cover your work premises and ... you acquire significant additional assets or change your business location. Look at ...

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Things you didn't know about small business insurance

... business can be pretty straightforward, jump online, compare quotes and buy the insurance ... that suits your business. But there ... However your business insurance may cover personal items If you have cover for theft ... the temptation to undervalue your assets in order to save a ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a general review of your business, it's worth taking time to ... your insurance to ensure that if ... workplace or at another location. Business Insurance Tailored cover to protect your building ... Liability Protects businesses and business directors including their personal assets against legal costs for ...

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The Risky Business of Insurance

... the Real Costs to Australian Small Business? Small business owners tend ... and future planning. Managing business risk and ensuring ... substantial assets you should insure them Cyber Insurance - Protects your business against ... , transparent and competitive. Online insurance experts BizCover cover over 2,000 occupations ...

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Business Insurance

... effort by not protecting your business assets from unexpected events. No matter ... be in business tomorrow. Business Insurance can provide financial cover for your business, including the ...

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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 ... is your unique skill the asset that people are paying for ... costs. Protect the money. This is about more than Business Interruption insurance, which covers ...

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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 ... job done, in particular, your business assets: drafting equipment, laptops, software, mobile ... insurance to help your business get back on track by covering the increased costs ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, cabinet makers know a thing or two. This highly skilled trade involves having an eye for detail ... negligent business activities.  Additionally, it will also cover legal fees and compensation costs ... and can provide quotes in minutes. *As with any insurance, cover will be ...

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What is Business Insurance?

... for your physical assets b) Financial loss due to business Interruption There ... computers. Public Liability Insurance which covers your business against the legal costs of a ...

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Preparing your store for the holiday season ahead

... an important time for retail businesses. It can provide a much ... to protect your customers, your business, and your assets. Take safety ... protect your customers, your business, and your assets. Take safety measures to ... sufficient Business Insurance coverage to provide financial protection. Depending on the cover options ...

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A Close Shave with Underinsurance

Just as your business is growing and changing it' ... make sure that your Insurance grows with your business and you're not ... A large number ... and like any good business owner, covered her business with Business Insurance. For the next ... she would struggle to cover costs if her business was shut for more ...

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Why having an office inventory list is essential.

... kind of thing that gets business owners excited, that is until ... comes to claim on your insurance. When you're filling out your ... ... your business, such as a fire, theft or malicious damage, the costs ... review your insurance, you have the right level of cover for your ...

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How much does Business Insurance cost?

... Public Liability cover in a Business Insurance pack. The beauty of Business Insurance is that ... food businesses pay for Business Insurance? The average cost of a Business Insurance package for businesses operating ...

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A Guide to PI Insurance

... is to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity). ... Professional ... Professional Indemnity Insurance? Professional Indemnity Insurance is a form of business insurance for professionals ... legal defense costs up to your specified amount of cover, and after ...

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Small Business Insurance Index

... strong price increases in the business insurance market, SMEs are continuing to ... increase in the cost of business insurance, the BizCover ... increase in the cost of business insurance, the BizCover SME Insurance Price Index shows ... platform to reduce their insurance costs with comparable cover.” Download the full report ...

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Big Bunny Business: An Interview with the Easter Bunny

... insurances he has in place to protect his very successful chocolate business. ... ... were to happen. Machinery Breakdown Insurance covers the cost of repairing or replacing ... ongoing bills both for the business and for my personal expenses. ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... right cover in place to protect your business. Let us centre your insurance ... floor, Public Liability insurance can cover the related costs to defend such claims. ... take out Contents Cover as part of a Business Insurance pack to protect ...

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Triumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'

... of Bizcover.com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte ... her new personal fitness training business, focused on ... Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes instantly ... select and purchase the right cover immediately. BizCover partners with leading ...

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

... time to make sure your business premises is prepared for the ... tips can help make your business safer for the cooler seasons. ... ... , is a wise investment, covering the costs of repairing or replacing insured ... to talk all things insurance to get your business covered with the right ...

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Is your Small Business Summer Proof?

... challenges and risks every small business should be aware of. Complete ... ... your Business Insurance you also cover for Business Interruption which can help cover your business for ... case scenarios. Glass Cover, under a Business Insurance Pack will cover your for damage ...

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Stranger Businesses

... share with us their "strange" business names. Creative, left of centre ... , these businesses are definitely ones that you ... ... business name may be, at BizCover we offer a variety of insurance ... options from Australia's top insurers. Providing cover to over ...

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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 ... with Public Liability and Business Packs (predominately covering perils and theft) increasing ... buyer of insurance and if businesses are willing to obtain multiple quotes it ...

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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 ... venturing down the path of business ... , BizCover, an online insurance service for small businesses, knows all too well ... free up money for other business costs” Previous BizGiver Winner – Sapphire Coast ...

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Lifestyle Tradie Group trades up; next Small Business Buddy Winner

... latest $2000 Small Business Buddy Wish from BizCover Insurance. Mona Vale, May ... latest winners of BizCover's Small Business Buddy Wishes ... latest $2000 Small Business Buddy Wish from BizCover Insurance. Mona Vale, May ... initiative of BizCover, an online Business Insurance service that has partnered with ...

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Childers Local wins the latest Small Business Buddy Grant

... HAND TO CHILDERS LOCAL PET BUSINESS Meet the latest winner of ... the Bizcover $60,000 'Small Business Buddy Program' Grant Queensland,February ... years have embraced our online insurance services over more traditional methods ... of buying insurance. Having someone literally change their business capacity overnight ...

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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 flood cover. But it doesn't need to ... explaining ... take out cover for your building, contents and/or stock a Business Insurance policy ... flooding cost? A: You will need to request a quote for including cover ...

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5 insurances every convenience store owner needs to know about

... store, you've got all bases covered, but have you taken the ... consider the needs of your business and the best way to ... ... by an insured event? Business Interruption provides cover for loss of turnover ... to insure it! Building insurance covers the costs of repairing or rebuilding your ...

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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 ... case ... case with Business Insurance options like Portable Equipment and Electronic Equipment cover, so ... electronic device INCREASED COST OF WORKING – the additional costs incurred by you ...

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

... cripple your business and effectively 'lock up' operations. Business interruption insurance can provide ... lucky country, but sometimes your ... 'Additional Increase Cost of Working' is included, Business Interruption insurance may take care ... insured event. Business interruption insurance policies are specific, however, and don't cover every ...

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The Easter Bunny's Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... ? Within a Business Insurance pack the Easter Bunny would have cover for machinery ... the deterioration of stock, covering the cost of repairs or replacement, as ...

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5 Common Beauty Insurance Claims

... a devastating effect on your business. We take a look at ... ... it. “Thankfully my Business Insurance policy included building and contents cover”, says Sarah. ... about is paying hefty legal costs should an unwanted accident occur. ...

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Protect your business with Statutory Liability Cover

... different types of insurance policies available to small businesses to protect against ... However, many business owners are unaware that ... be purchased as optional cover with your Business Insurance. In this post, we ... act that is covered under the policy Legal costs and associated expenses ...

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Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... your business and your bottom line. Whilst you've got the insurance to ... ... of the most common BizCover Business Insurance customer claims, and tips on ... your machine by using keyboard covers and sleeves, some that can ...

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

... to becoming a successful small business owner is one of twists ... to help you stay in business for the long run. Strap ... ... business insurance can help keep your business alive: Public Liability is an essential cover ... Public Liability policy will cover the associated legal costs of defending your ...

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Business Insurance the Smart Way

... for small business We help clients compare and buy cover that suits ... small businesses - over 6,000 occupations. BizCover instantly provides multiple insurance quotes ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their ... out or have been in business a while, you'll want to ... make the most of your business ... employing staff and adding payroll costs to your bottom line: instead ... card, bank account or insurance for their business. It may be that ...

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

... that the market for small business insurance continues to benefit from stability ... in insurance prices, with little movement in ... of the few ... that the market for small business insurance continues to benefit from stability ... in the last BizCover Small Business Insurance Price Index. “Insurers have managed ...

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Insurance Premiums for Retailers Continue to Climb

... Climb The latest BizCover Small Business Insurance Price Index has been released ... showing an increase in small business insurance rates, with ... Climb The latest BizCover Small Business Insurance Price Index has been released ... showing an increase in small business insurance rates, with the index rising ...

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Small Business Continues to Win on Insurance Prices!

... , prices remain flat for small business. Recent financial results from the ... increase; however the BizCover Small Business Insurance Price Index ... increase; however the BizCover Small Business Insurance Price Index for the first ... win for small businesses! Prices across all insurance classes were stable across ...

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Latest Small Business Buddy Winner: Evermore Memories

... Latest Winner of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a ... new unique business based in Geelong Victoria, is ... latest ... Latest Winner of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a ... camera. BizCover, Australia's leading online business insurance service, started the $2000 monthly ...

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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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A roadmap to staying in business for the long haul: Part 1

... , that developed into printing some business cards and before you knew ... owner of your own small business. By no means, an easy ... feat, getting ... keep your personal finances and business accounts separate Tune in to ... personal– share posts of your business' achievements and staff. Creating a ...

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BizCover Customers' Top Tips To Grow A Business

... the plunge and start a business? Also, and perhaps most importantly ... in order to grow your business once you've taken that plunge ... ... anticipating a better year of business in 2019 accredits their continued ... the person behind the small business they are supporting.” One Management ...

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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 ... value on your business insurance. Cover yourself up! Check your insurance cover levels to see ... BizCover who let you compare quotes from multiple insurers online or ...

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Business Interruption

... notThings to considerBack to Business Insurance Business Interruption Cover Most small business owners like to ... of income and increased costs of operating your business caused by a ...

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Business Insurance FAQs

... Get Free Quotes Ready to sort out your Business Insurance? Your small business is ... us. Get the right cover by comparing quotes from Australia's leading insurers ...

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Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... wide range of potential risks. Insurance for market stall holders is ... Public Liability Public Liability covers you for the costs that arise from ...

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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 ... by Australia's first online Small Business Insurance Comparison Site, is a $2000 ... effort has been worthwhile.” “The cost of producing labels represents a ...

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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 ... barracking for their business, suggesting that their business will perform 'much better' ... their business, including demand from customers and rising overhead & utility costs. ...

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Professional Indemnity Claims: when should I notify my insurer?

... (PI) insurance is no doubt one of the most vital covers you ... have for your business. If things don't ... costs in the event of ... costs in the event of action taken against your business. Like all insurance ... ensure your policy provides the cover you're expecting, so that you ...

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Prevention & Protection - The Big Burglary Buffers

... despair that follows. Having your business burgled or robbed is a ... ... is your accountant, as security-related business costs are generally deemed to be ... when purchasing Theft cover is 'Business Interruption' insurance, which doesn't cover the items stolen ...

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Pet Stays, becomes the 32nd BizGiver winner

... 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant, winning an ... ... 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant, winning an ... the small business community, who have embraced our online insurance services over ...

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BizGiver finds it's latest winner in Wild Forage

... crowned; Wild Forage, a small business supplying seasonal wild edible plants ... portable fridge, critical to their business. Wild Forage is bringing ... the small business community, who have embraced our online insurance services over ... more traditional methods of buying insurance, said Michael Gottlieb, Founder and ...

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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 ... to have their own business take on the costs, in order to ...

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Don't be a pork chop - insure your butcher shop

... into creating your butcher shop business starting with the early days ... ... run your business each day quickly add up and would cost an ... action. Machinery Breakdown cover is available under a Business Insurance pack and provides ...

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Pooches Playroom - Customer Spotlight

Here at BizCover we cover a huge variety of businesses. One that caught ... Here at BizCover we cover a huge variety of businesses. One that caught ... fun!!!” *BizCover is the preferred insurance partner of the NEIS (New ...

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Young Penrith Entrepreneur Recognised in National Grant Competition

... as one of the top businesses in the area at the ... Penrith Local Business Awards and won the BizCover ... "BizGiver Business Grant". Kaydee ... program, is Australia's top online business insurance serviceand revolutionised the industry when ... finally allowing small businesses to quickly compare multiple business insurance quotes for free online ...

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World Snake Day Customer Spotlight

... insuring all kinds of different businesses. From caf owners and electricians ... ... as a business and charge a small fee to cover the costs involved. ... ” Fast forward to today and Tony now runs the business ...

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Customer Spotlight: Cazeil Creative

... Cazeil Creative, a versatile photography business from the Blue Mountains. The ... ... Business was only weeks old when I was contracted to cover a ... , insuring my business is almost mandatory especially to cover my equipment as ...

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Despite Insurers Talk, Premiums Won't Walk

... Talk, Premiums Won't Walk… SME Insurance Premiums Stay Flat Over the ... 5 quarters the BizCover Small Business Insurance Price Index (Graph ... 5 quarters the BizCover Small Business Insurance Price Index (Graph 1) has ... property related insurance which is more commonly bought by those businesses with ...

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Kate Owen Gallery wins BizGiver Grant

... WINS BIZCOVER'S 24TH $2000 SMALL BUSINESS GRANT AND WILL RECEIVE A ... for supporting indigenous artists. The business […] ... for supporting indigenous artists. The business success has reached such a ... BizGiver initiative, started by BizCover Business Insurance, has given away over $45 ...

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Pure Flowers wins the latest BizGiver

... FLORIST HAS WON BIZCOVER'S $2000 BUSINESS GRANT AND WILL NOW BE ... ... success.” BizCover, Australia's leading online business insurance service, started the grant of ... supplier guides to promote local businesses that provide floral related services ...

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Creative Agency, Hustle Workshop is the latest BizGiver Winner

... of bizcover.com.au $2,000 small business grant has been announced. Hustle ... win the $2000 BizGiver Small Business Grant, receiving a new top . ... coveted BizGiver Small Business Grant. BizCover, Australia's leading online business insurance service, started ... these individual and very unique businesses like Hustle Workshop be successful ...

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ET Circus is the latest winner of the BizGiver Grant

... Circus, a much loved entertainment business in the sunshine coast community ... ... Circus, a much loved entertainment business in the sunshine coast community ... grant. BizCover, Australia's leading online business insurance service, started the grant of ...

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Scooter & Jinx wins BizGiver Grant

... WINS THE BIZGIVER $2000 SMALL BUSINESS GRANT. Tucked away in Little ... ... most new small business owners can attest to, setup costs can and ... wish of the winning small business every season. Since it's inception ...

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Customer Spotlight: PerfEx Consulting

... as starting his own successful business PerfEx […] ... as starting his own successful business PerfEx Consulting. PerfEx Consulting is ... performance excellence and de-risk their business.” “BizCover supports me to do ...

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Studio Lane Hair Boutique wins the 38th BizGiver Competition

Giving back to the small business community is something we're immensely ... competition, where one lucky small business owner has the chance to ... Giving back to the small business community is something we're immensely ... efficiency and productivity of the business. When asked what being a ...

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Customer Spotlight: Sunshine Confectionery Outlet

... our customers who's in the business of appealing to our sweet ... Willy Wonka to rethink his business model, Stuart and Denise Mulholland ... ... expanded since they started the business, Sunshine Confectionery has made their ... finally, “seek advice from a business coach prior to commencement.” Sunshine ...

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Customer Spotlight - Lucid 8 Unisex Apparel

... customer Laura Vogt and her business Lucid 8 Unisex Apparel. Laura ... ... the word 'Entrepreneur' meant in business studies at school and thinking ... leading catalysts which propelled my business into popularity,” When asked what ...

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Customer Spotlight: MetaPeople

HR Business, MetaPeople has a great origin ... career management company with a business partner. Then, on an outback ... ... career management company with a business partner. Then, on an outback ... what they do and supporting businesses to achieve great things with ...

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World Entrepreneurs' Day Customer Spotlight: Voula's Kitchen

... in the world of small business. Today, on World Entrepreneurs' Day ... many unique customers and their business! Steph and Katie run Voula's ... ... in the world of small business. Today, on World Entrepreneurs' Day ... many unique customers and their business! Steph and Katie run Voula's ...

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10-Year Customer Spotlight: Circul8

... , says she first started the business […] ... how she would describe the business in a nutshell, Alana said ... a large part of our business.” This emphasis on innovation has ...

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Customer Spotlight: Tirol Sports

... one of our wintery small businesses, Tirol Sports. Some of the ... ... ,” explained Hagen. Opening his own business has allowed Hagen the freedom ... something new to be a business owner and 'succeed',” explains Hagen. ...

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The balancing act of work/life balance: how you can do it all and stress less

This Stress Down Day, we're here to help you gain back some equilibrium at work and stress less along the way. Research shows that 90% of Australians need to stress less ... still managing a successful small business. Smarter time management Overworking and ... tailored quote for Personal Accident and Illness insurance today! *As with any insurance, cover ...

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Employment Practices Liability

... and potential cost of claims taken against them by employees. Covered claims ... dispute? ← Back to Business Insurance * As with any insurance, cover will be subject to ...

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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.