Business Building And Contents Insurance

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What is Business Insurance?

... cover. Building & Contents Insurance Building insurance provides cover for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind). Contents covers your business contents or ...

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Business Insurance

... costs cover. Building & Contents Building insurance provides 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 stock ...

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Business Insurance FAQs

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

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No Dramas

... in your professional service or advice. Business Insurance*: Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises as well as other cover ...

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Theft Cover*

... 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 insurance ... contained in a locked building Documents, patterns, models ...

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Money Cover*

... to Business Insurance Money Cover* Money insurance protects your business money (which will include not only cash and ... typically covered? Business Money in transit Business Money in your building/s Business Money in ...

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Goods in Transit

... who is driving the vehicles used to transport the goods you buy and sell? Are they sufficiently skilled and experienced? ← Back to Business Insurance *As with any insurance, cover will be subject to the terms, conditions ...

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Employment Practices Liability

... ’s not 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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Portable Equipment*

... Business Insurance Portable Equipment* Portal Equipment insurance (also known as General Property insurance) covers you for loss and ... following forcible and violent entry to locked vehicles or locked buildings; Theft of ...

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Business Insurance in Bunbury

... our trusted insurance partners: Business 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 ...

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Business Insurance in Newscastle

... from our trusted insurance partners: Business 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 ...

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Business Insurance in Melton

... from our trusted insurance partners: Business 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 ...

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Business Insurance in Launceston

... our trusted insurance partners: 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 ...

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Business Insurance in Cairns

... from our trusted insurance partners: 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 ...

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Business Insurance on the Gold Coast

... our trusted insurance partners: Business insurance* for Gold Coast Small Businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises ...

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Business Insurance on the Central Coast

... our trusted insurance partners: Business 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 ...

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Business Insurance In Wollongong

... our trusted insurance partners: 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 ...

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Business Insurance in Townsville

... or thousands of dollars to fix. Business Insurance* 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 Toowoomba

... our trusted insurance partners: Business 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 ...

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Business Insurance in Parramatta

... our trusted insurance partners: 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 ...

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Business Insurance in Mackay

... from our trusted insurance partners: 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 ...

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Business Insurance in Geelong

... damage claims made by third parties. Business Insurance* 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 Bundaberg

... from our trusted insurance partners: 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 ...

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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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How much does Business Insurance cost?

... risks all in one package. There are several different cover options available under a Business Insurance pack to protect things like your business premises, contents, stock and equipment, as well as financial loss due to ...

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Business Interruption Cover*

... ’s not Things to consider Back to Business Insurance Business Interruption Insurance 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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Machinery Breakdown*

... Things to consider Back to Business Insurance Machinery Breakdown* This insurance covers the cost to repair ... are not covered by an insurance policy such as those related to wear, tear and gradual deterioration or a lack ...

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Statutory Liability*

... & 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 legislation ...

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5 Common Beauty Insurance Claims

... 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

... 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 fire, theft ...

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Earthmoving and Excavators Insurance

... and tools to your commercial buildings and their contents. Business Insurance ... Insurance? Built for small business We know insurance and what makes small businesses tick. Clear and competitive pricing You can compare and ...

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PI And PL Insurance

... choose BizCover for your Professional Indemnity insurance? Built for small business We know insurance and what makes small businesses tick. Clear and competitive pricing You can compare and choose from a range of highly ...

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Insurance for Allied Health Professionals

... 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 furniture ...

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How much does Public Liability Insurance Cost?

... The type and nature of your business Your business turnover and size The amount of insurance cover your business needs Other ... they are often required to clean office buildings and public spaces, such as shopping centres, ...

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Insurance for Hair & Beauty Services

... provide peace of mind and protection for your business. Business Insurance* A variety of insurance coverages to cover things that matter to your beauty business like your contents, building and portable equipment. Your ...

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Insurance for Physiotherapists

... divided into two categories: risks to your patients, and risks to yourself or to your employees. Some ... looking after your contents with Contents insurance. Building insurance Do you own the business premises where your ...

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Insurance for Restaurants & Cafes

... start when looking for business insurance for your restaurant or cafe business. Other types of business insurance you may consider include Contents , Building , Tax Audit and Cyber Liability insurance. Choose BizCover to ...

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Insurance for Roofers

... to help protect the buildings you do business from against events ranging from wild weather to vandalism. Contents* Contents Insurance covers you for damage to your contents, stock and due to fire and other perils listed ...

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Insurance for Restaurants

... in the 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 for ...

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Insurance for Cafes

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

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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 event ...

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Insurance for IT Professionals

... Indemnity and Public Liability insurance from ... Business Insurance for coverage of one or more of building, contents, machinery breakdown, repairs, theft, restoration or even business interruption insurance. Cyber Insurance ...

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Insurance for Furniture Manufacturers

... of the types of Business Insurance coverages to consider include: Contents and stock* - Cover for loss of or damage to items such as business equipment, stock, plant and machinery, records and furniture belonging to you ...

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7 Common Types of Small Business Insurance

... 3. Business Insurance Business Insurance often comes as a package encompassing a range of different coverage options for you to choose from, with the most common being Building , Contents , Theft , Glass , and General ...

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Insurance for Pizza Shops

... pizzas in town with Business Insurance . Building - C over 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 stock if they ...

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Pros and cons of opening your own business

... social media and building a website, there are countless skills for you to sharpen up. Another hat you may need to put on as a small business owner is figuring out your business insurance. Small business insurance is an ...

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Insurance for Retailers

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

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Insurance for Carpenters

... Professional fees Known claims and circumstances Fraud and dishonesty Business Insurance* Business Insurance * is a package designed to provide cover for your business contents, stock, tools and commercial premises when ...

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11 technologies for small business success

... net with a Cyber Liability insurance , which provides coverage for legal costs and expenses related to cybercrimes. By adopting comprehensive cybersecurity tools, small businesses also build valuable trust with customers ...

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Public Liability Insurance VIC PPC

... specific cover for very different kinds of business risks. 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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Insurance for Landscapers

... be a requirement to join trade associations. 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 ...

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Insurance for Victorian Plumbers

... claims which are covered by the policy. 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 ...

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Insurance for Tradesmen

... Business Insurance Your tools of trade and other business assets help you get the job done, so consider protecting them with coverage options like Portable Equipment* and Contents * Insuring your tools, and your business ...

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Insurance for Recruitment Consultants

... damaging your client's property. Business Insurance 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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Insurance for Plumbers

... claims which are covered by the policy. 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 ...

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Insurance for hospitality business

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

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Do online businesses need insurance?

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

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Insurance for Cabinet Makers- What You Need to Know

... Liability insurance *. It is designed to provide protection for you and your cabinet making business if ... worry. Cover for Portable items Over time you have probably built up a collection of tools that you rely on to help ...

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Personal Accident and Illness Insurance

... afford in operating your business . Having Personal Accident & Illness (PA) insurance covers you for loss ... able to claim $2,800 per week for her time off, and received $44,800 in total, helping her cover her bills whilst ...

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Insurance for Chiropractors

... sooner without leaving you severely out of pocket. 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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Reviews related to Business Building And Contents Insurance

  • It was so fast and simple to obtain insurance for my small business!! I am a new small business owner and am new to this so I found it easy to use and fast to obtain :)

    Ragan M
    Allied Health

  • Very responsive service and competitive insurance pricing. Thank you Wanda

    Wanda B Buza
    Registered Migration Agent

  • It was easy to obtain quotations and the insurance coverage from BizCover

    Terry D
    Auditing Services

  • One stop shop made it easy to get quotes and finalised insurance policies.

    Stuart G
    Information Technology Services (IT)

  • Very easy to use and understand. I am a first time business owner and Bizcover has does the hard work for me. Thanks you for this great service.

    Jessica M
    Beauty Salon Operation

  • Very responsive service and competitive insurance pricing. Thank you Wanda

    Wanda B
    Migration Agency Service

Business Insurance Coverage

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

  • Public Liability insurance
  • Professional Indemnity insurance
  • Business Insurance

 

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

What is typically covered by Business Insurance?

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

What is typically not covered by Business Insurance

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

Industries that may require Business Insurance

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

Get the right type of Business Insurance

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

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

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

 

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

Frequently Asked Questions on Business Insurance

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

Business insurance usually falls into three categories: 

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

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

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

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

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

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

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

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

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

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

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

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

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

 

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

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

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

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

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

Public Liability*

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

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities.

Cyber Liability*

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

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

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

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

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

Personal Accident & Illness*

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

Personal Accident and Illness insurance can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can also include a weekly benefit for loss of income if you are unable to work as a result of an unexpected injury or illness (even if it occurs outside of your employment).

Business Insurance Pack*

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

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

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

Contents*

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

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

Portable Equipment*

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

Portal Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock.

Business Interruption*

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

Business interruption provides cover for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). It’s designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).

Tax Audit*

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

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

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

Public Liability insurance* is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities. 

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

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

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

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

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

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

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

Prefer to talk?

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

1300 249 268

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

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