What is Business Insurance?

... items, then you need to protect these with the right Business Insurance cover: Businesses that own stock &/or fixtures and fittings and contents Consultants that use portable valuables like laptops/iPads Property ...

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Business Insurance

... 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 ...

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Business Insurance in Bunbury

... I nsurance * for Small Businesses in Bunbury Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs ...

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Business Insurance in Melton

... I nsurance * for Melton businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs ...

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Business Insurance in Parramatta

Business Insurance for Small businesses in Parramatta Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event ...

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Business Insurance in Toowoomba

... I nsurance * for Toowoomba small businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event ...

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Business Insurance in Townsville

... I nsurance * for Townsville businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs ...

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Business Insurance in Wollongong

Business insurance* for Small businesses in Wollongong Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event ...

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Business Insurance in Launceston

Business Insurance* for Small Businesses in Launceston Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event ...

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Business Insurance in Mackay

Business Insurance for small businesses in Mackay Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event ...

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Business Insurance on the Gold Coast

... * for Gold Coast Small Businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as ...

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Business Insurance in Geelong

... I nsurance * for Geelong businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs ...

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Business Insurance on the Central Coast

... I nsurance * for Central Coast businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event ...

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Business Insurance in Cairns

Business Insurance* for Cairns businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as ...

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Business Insurance in Bundaberg

Business Insurance* for Bundaberg businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such ...

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Business Insurance in Newcastle

... I nsurance * for Newcastle businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs ...

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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 how to prevent ... Firstly, making sure there is adequate lighting outside and/or inside the building after hours can go a long way in deterring ...

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Business Insurance the Smart Way

... buy cover that 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 ...

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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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How much does Business Insurance cost?

... 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. Public Liability is an essential form of cover ...

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Business Interruption

... s not Things to consider Back to Business Insurance Business Interruption Cover* Most small business owners like to prepare for unexpected events by insuring their premises, contents or stock. But have you thought ...

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Business Insurance FAQs

... ! 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 right cover ...

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Theft

What’s covered & what’s not Things to consider Back to Business Insurance Theft Cover* This option can cover your contents and stock from theft, attempted theft or armed hold up. It is not uncommon for theft ...

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Portable Equipment

... not Things to consider Back to Business Insurance Portable Equipment* Portal Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated ...

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Machinery Breakdown

... upon as advice. Things to consider Is your business reliant on important and expensive machinery to operate? What would your business do if key machinery broke down? ← Back to Business Insurance

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Money

... & what’s not Things to consider Back to Business Insurance Money Cover* Money insurance protects your business money (which will include not only cash and cheques, but also items such as lottery tickets, gift ...

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Employment Practices Liability

... Things to consider Back to Business Insurance Employment Practices Liability Cover* Employment Practices Liability (EPL) Insurance is designed to help employers minimise the risk and potential cost of claims taken ...

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Statutory Liability

... covered & what’s not Things to consider Back to Business Insurance Statutory Liability* Statutory Liability insurance covers the company, senior management and employees for allegations of wrongful breaches of key ...

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Goods in Transit

... you buy and sell? Do you have some degree of control over who is driving the vehicles used to transport the goods you buy and sell? Are they sufficiently skilled and experienced? ← Back to Business Insurance

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5 Common Beauty Insurance Claims

... we take to prevent them and the simplest of setbacks can ... a devastating effect on your business. We take a look at ... ... as a shelf that was on the wall collapsed and subsequently damaged the products she had displayed on it. “Thankfully my Business Insurance policy included building and contents cover”, says Sarah. She lodged a claim ...

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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 ... 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 like ...

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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 ... it does protect you against, and the risks that still remain ... ... pay for that particular cost. Beware the Danger of Under-Insurance Owners will sometimes underestimate their business building and contents' value for insurance purposes, in an effort to minimise their premiums ...

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How to survive the silly season: a guide for small businesses

... last-minute gifts and service providers, like hairdressers and beauty therapists, booked ... cafes and restaurants hosting Christmas luncheons ... threats of the summer period is bushfires and storms. This is where Building and Contents insurance is a wise investment for protecting your business in the long run. If your business is located in a fire-prone area ...

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How to Promote your Cabinet Making Business: Online and for Free

Most adults find contractors and other product specialists online. It' ... , Pinterest, and Instagram. This is a major reason why business owners ... business. Inviting guest bloggers to write content for your website, and post links on their website is another fairly simple way to develop the link building ... needs to be built adaptive and responsive. This allows ...

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Insurance for Allied Health Professionals

... your building in the event of damage caused by fire, storm, malicious activity or another defined event listed in the policy. Contents insurance: Covers for damage to items such as business equipment, records and ...

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6 Areas You May Not Have Thought Business Insurance Covers

... 's vital to protect your business assets and revenue against potential risks ... business, such as fire, storms, theft and accidental ... less than you think. As with all the other cover options offered through Business Insurance if you make a claim on an underinsured building, (perhaps you were hoping to saving on some premium) the insurer could discount ...

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Understanding Insurance for Physiotherapists

... rely on your expert advice and services as a physiotherapist. You ... help ease their aches and pains from minor sprains to ... ... your assets , like your contents and building , which can be an acritically important part of securing the futur e of your business. Having the appropriate insurance gives you peace of mind ...

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The bricks and mortar of building insurance cover- what you need to know

Your business property is like your home away from home and is the ... . Whether you're in the business of providing expert advice to ... lattes ... of coverage you require. Building insurance doesn't need to be complex or difficult to understand and should be of the foundations (pun intended!) to your small business insurance plan. It provides peace ...

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Insurance for Restaurants

... prep area. Business Insurance* Even though you can't insure the ambiance you have created in your restaurant, you can insure the building and all its contents: Building* -This type of insurance provides cover ...

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Insurance for Cafes

... assets. Building insurance will cover for loss and damage to buildings you own as a result of an insured event (such as fire, storm, wind). Contents *- Provides cover for loss of or damage to business and kitchen ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... mind assets such as their building, contents and ... 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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Insurance for Gift Shops

... floor. Having the right Public Liability insurance will give you peace of mind. Business Insurance* Your customers are important but so is your stock, shop contents, and building. Without the right cover, you could ...

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Insurance for Restaurants & Cafes

... your cash cow into curdled milk! Business Insurance Even though you can't insure the ambience you have created in your restaurant, you can insure the building and all its contents: Building - if you own the ...

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Insurance for IT Professionals

... with combined Professional Indemnity and Public Liability insurance from the same insurer ... building, contents, machinery breakdown, repairs, theft, restoration or even business interruption insurance. Cyber Insurance ...

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Insurance for Car Wash and Auto Detailers

... as a result of your negligent business activities. Business Insurance* Business Insurance is a package designed to provide cover for your business contents, stock, tools and commercial premises when an insured ...

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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 ... an overwhelming ... policies might even be compulsory, for example, Public Liability insurance is often required when you take out a commercial lease; while Contents, Glass and Business Interruption are a smart selection to also include as ...

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Insurance for Furniture Manufacturers

... deadlines to get your products built and out to your suppliers meaning ... business for when things go wrong and you need it most. Some of the types of Business Insurance coverages to consider include: Contents and ...

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Insurance for Pizza Shops

... with Business Insurance . Building - Cover for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind). Contents - Covers your business contents or ...

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Insurance for Furniture Manufacturers

... is where business insurance comes into play and should be one ... of the foundations of your business' ... risk management plan. The process ... for when things don't go to plan and for when you need it most. Some of the types of Business Insurance coverages available include: Contents and stock* - Cover for loss of or damage ...

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5 insurances every convenience store owner needs to know about

... consider the needs of your business and the best way to insure ... ... and that sneaky bag of lollies, your store's stock and contents help keep you in business and ... if you own your bricks and mortar, you are going to want to insure it! Building insurance covers the costs of repairing ...

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Insurance for Manufacturers

... : Contents and stock* - this type of insurance covers for loss of or damage to items such as business equipment, stock, plant and machinery, records and furniture belonging to you at the insured location. Building ...

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Insurance for Retailers

... a few unwanted challenges that could leave you severely out of pocket. Business Insurance can provide cover for: Contents and stock* - this type of insurance provides cover for loss of or damage to items such as ...

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Insurance for Landscapers

... Landscapers need it? Whether you're building retaining wall s or putting in ... Business Insurance* Business Insurance is a package designed to provide cover for your business contents, stock, tools and ...

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Insurance for makeup artists

... insurance cover to protect you and your business. Insurance for Makeup Artists Professional Indemnity Insurance ... your building, contents, stock or event an interruption to your business. A business insurance ...

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Insurance for Recruitment Consultants

... service and advice from you. You have spent years building a reputation ... Business Insurance* Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and ...

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Business Insurance Guide for the Self-Employed - Part 3

... print in the world of business insurance, it can feel like you ... you and created a simple, comprehensive guide on all things Business Insurance ... Business Insurance? Business Insurance* is an insurance package designed to provide cover for your business contents, stock, tools and ... forcible and violent entry to locked vehicles or locked buildings ...

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The Art of Being a Creative Small Business

... you're running your own business as a small team or ... many diverse paths to channel and sell creative skills, the industry ... to photographers ... build your own stunning website. There are useful tools and tips for marketing and choosing the right template to suit your business too Wix offers both paid and free website building ... insurance due ...

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Cyber Liability Insurance

... to you? Hackers are alive and well and get a thrill out of making business owners sweat. Cyber Liability Insurance can reduce your risks and help you rest easy knowing your business is covered from even the craftiest ...

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Insurance for Tradesmen

... Public Liability claim. Public Liability insurance is designed to provide protection for you and your business in the event a customer ... trade A tradie working on a commercial building locked up his tools before leaving ...

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Five Tips for Starting your Home-based Business

... start your own home-based business. The COVID-19 pandemic has ... from all walks of life and business experience. If you've ever ... , we've done ... costs, investigator costs and expert fees). Contents * : Covers your business contents or stock if ... attack.   At BizCover we provide hassle-free insurance in minutes. Jump on the phone or get ...

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The Risks of Growing Your Small Business

... it all on the line, and take a giant leap forward ... ... new equipment, put on more staff, create new lines, build a website or take on a whopping big contract. You' ... do a full risk audit, and decide what other special insurances your business needs. The little things might ...

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Mind the Gap: Understanding Underinsurance

... it comes to insuring their business assets and building premises. One of the ... means and what steps you can take to protect your business ... value of your businesses building and contents, doing the calculations and keeping a record of purchases are worth the effort. Need Building or Contents insurance for your small business ? The friendly team ...

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When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and excluded from your ... ... things crystal clear. No life vest required. When you take out cover for your building, contents and/or stock a Business Insurance policy usually comes with some form of coverage against loss or damage arising from ...

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Personal Accident and Illness Insurance for Tradies

... exposed to lots of risks, and if something does go wrong ... ... these resulting in death from traumatic injury. If you are a self-employed small business owner or a contractor, Personal Accident and Illness insurance is an important type of cover to consider especially if you are not ...

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A Guide to Helping Your Business Make a Stress-Free Claim

Lodging an insurance claim is never a fun ... something that mattered to your business due to a disastrous event ... you just want your small business ... and the running cost of your business at another location? This is where Business Interruption insurance ... and up to date, especially your contact details and business address. If you have coverage for contents ...

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Insurance for Dog Grooming

... If your dog groomi ng business operates from a shopfront you will need to consider Contents insurance*. This gives you peace of mind knowing that things like your laptops to your dryers and are insured against ...

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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 ... property. If you work from home, your home and contents insurance policy might not cover all the liabilities related to your business. As an example most home and contents policies do not cover you for bodily injury or ...

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5 Reasons To Review Your Business Insurance This Christmas

... stressful!) time for many small businesses. Come December the big Christmas ... made, projects to be finalised, and extended opening hours to cater ... at this time of year you are carrying increased stock levels. Do you have Business Insurance to cover your stock and contents from theft or damage? And if you do have you considered whether you have enough cover for the ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, ... detail, with precision and creativity learnt over time. Building custom ... Liability insurance * . It is designed to provide protection for   you   and your cabinet making business   ... for Portable items Over time you have probably built up a collection of tools that you rely ...

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BizCover Customers' Top Tips To Grow A Business

... to take the plunge and start a business? Also, and perhaps most importantly ... that motivation and passion in order to grow your ... to the experts - our customers. One small business owner who is anticipating a better year of business in 2019 accredits their continued success to building a strong and vibrant customer base. While they have some ...

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Small Business Resolutions for 2017

... of both your personal life and business life and set some goals to ... to focusing your business in the right direction. And if [] ... year can go a long way to focusing your business in the right direction. And if you haven't set your goals for 2017 ... Business owners about their 2017 resolutions. Most of the responses, focussed on building the business ...

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The Risky Business of Insurance

... Real Costs to Australian Small Business? Small business owners tend to be ... , stock and future planning. Managing business risk businesses are uninsured or underinsured and the Insurance Council of Australia estimates that 70% of these affected by a major event never ...

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Business Insurance Guide for the Self-Employed - Part 4

... the final piece of our Business Insurance for the self-employed guide ... at Personal Accident and Illness insurance and Cyber Liability Business Insurance for the self-employed guide, we take a look at Personal Accident and Illness insurance and Cyber Liability insurance. We share the ins and outs of why self-employed workers ...

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Comparethemarket.com.au and BizCover Announce White Label Partnership

... , BizCover and comparethemarket.com.au have joined forces, offering small business customers ... business insurance, having helped over 90 ... says, “Our White Label solution is a key part of our mission to make business insurance even more accessible for SMEs and our partnership with comparthemarket.com.au makes this even more possible.” He added, “We ...

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A Guide to PI Insurance

... Professional Indemnity Insurance? Professional Indemnity Insurance is a form of business insurance for professionals ... who are in industries ... (also known as errors and omissions insurance, PI or Professional Indemnity). What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of business insurance for professionals who are in ...

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A $2,000 Wish for Your Small Business

... difficult aspect of running a business and you'll most likely get ... venturing down the path of business ownership is trying to cope ... never ... can be invoiced it's eligible. Any small business owner or employee can make a wish for their business, and they need not be a policy holder with BizCover's insurance service. “So much of BizCover's success is ...

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

... developed into printing some business cards and before you knew it you ... feat, getting your own business up and running is an achievement ... : You don't need to be on every social media platform – not every platform is going to suit your business and it is better to be able to focus on one or two channels well, than four or five poorly. For ...

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

... to those sunny summer days and hello to fresh, frosty mornings ... sure your business premises is prepared for the wetter and cooler weather ... , and that's why making sure your insurance is covering you for the right things , with adequate levels of cover should be a regular part of your business plan. If there have been renovations on your building ...

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The Reality of Retail- Real Life Claims and How Business Insurance can Help

... of retail is fast-paced and varied, with no two days ... creates a recipe of risks and opportunities for things to go ... customers to handling ... mannequins under the shop owners Contents Insurance policy. After being damaged by the storm and water, some of the electrical work was also repaired. Contents insurance* covers your business contents or stock if they ...

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Insurance for Pet Professionals

... or death to a dog in your care. Business Insurance Business Insurance* is a package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such ...

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Insurance for Butcher Shops

... . Don't get snagged, get covered. Business Insurance can be tailored to suit your business needs and can provide cover for: Contents and stock* – without your produce, refrigerators and tools of trade you're ...

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Understanding Insurance for Interior Designers

... using an eye for detail and a creative flair. Like any ... is where having the right business insurance in place is vital. Let ... ins and ... costs associated with managing claims that are covered by the policy. Contents insurance* Your business assets , like your laptop and other electronic equipment , help you create the best designs for ...

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Understanding Insurance for Graphic Designers

... graphic designer is an exciting and creative job but like other ... invest in your artistic talents and have high expectations when it ... plan ... like your computer, design software and other equipment are essential . W ithout them how would you be able to get the job done? Contents insurance c overs your business contents or stock at your ...

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BizCover SME Insurance Price Index Q2 FY20

... businesses with simple insurance needs are using BizCover for their insurance, while smaller businesses ... this quarter. The BizCover ... to the decrease in cost for Portable Equipment and relatively small demand for Business Contents cover within the Trades sector. To find out more about insurance options through BizCover, click here . Michael Gottlieb ...

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5 Tips for getting the best Public Liability insurance for your business

... a sole trader or small business owner, there's no doubt ... of protecting your business and your customers with Public Liability insurance ... importance of protecting your business and your customers with Public Liability insurance . It offers protection ... requirements for Public Liability insurance. For example, most building and work sites require trades ...

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Big Bunny Business: An Interview with the Easter Bunny

... of our favourite furry friends and expert chocolatier, the Easter Bunny ... step and a swagger in his tail, we asked him what insurances ... didn't have my Contents and Stock insurance! And struth, given this crazy and unpredictable Aussie weather with ... help me pay my ongoing bills both for the business and for my personal expenses. Another bonus with this type ...

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Home Based Business Insurance

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

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Insurance for Real Estate Agents

... of your negligent business activities . Business Insurance* Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when ...

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Insurance for Personal Trainers

... - This provides cover for your tools and other equipment used for business purposes only which travel with you  Contents insurance – Covers your business contents or stock if they were damaged in a fire ...

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Insurance for Handymen

... anywhere in Australia, on or off the job. Business Insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as ...

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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 ... business or have been in business for a while and looking to buy insurance ... To help you decide when considering the amount of Business Insurance you need list all of your business assets, including any property that you own, your contents, stock and equipment. Then think about how much it would ...

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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.