Business Contents Insurance

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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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What is Business Insurance?

... , and fines or penalties payable following a conviction. What is Business Insurance? Business Insurance can provide cover for your business' premises and contents, against loss, damage or theft, also offering protection ...

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Business Insurance

... 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 ...

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Business Insurance in Bunbury

... Compare quotes from 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 ...

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Business Insurance on the Gold Coast

... quotes from 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 ...

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Business Insurance on the Central Coast

... quotes from 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 ...

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Business Insurance In Wollongong

... Compare quotes from 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 ...

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Business Insurance in Townsville

... cost you hundreds 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 ...

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Business Insurance in Toowoomba

... Compare quotes from 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 ...

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Business Insurance in Parramatta

... Compare quotes from 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 ...

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Business Insurance in Newscastle

... quotes 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 ...

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Business Insurance in Melton

... Compare quotes 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 ...

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Business Insurance in Mackay

... quotes 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 ...

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Business Insurance in Launceston

... Compare quotes from 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 ...

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Business Insurance in Geelong

... and property 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 ...

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Business Insurance in Cairns

... Compare quotes 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 ...

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Business Insurance in Bundaberg

... quotes 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 ...

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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 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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Business Insurance the Smart Way

... , no paperwork, no delays Use code SMART50 for $50 off Compare quotes from our trusted insurance partners: BizCover is all for small business We help clients compare and buy cover that suits all kinds of start-ups and ...

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Theft Cover*

... 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 insurance to require the item stolen ...

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No Dramas

... or omissions 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 ...

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Employment Practices Liability

... s covered & what’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 ...

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Machinery Breakdown*

What’s covered & what’s not Things to consider Back to Business Insurance Machinery Breakdown* This insurance covers the cost to repair or replace specified machinery following a breakdown. Did you Know? 'Breakdown' ...

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Money Cover*

What’s covered & 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, ...

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Statutory Liability*

What’s 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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Portable Equipment*

... s covered & what’s 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 ...

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Goods in Transit

... 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 and exclusions contained in the policy ...

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Do online businesses need insurance?

... your legal and financial risks. If your business sells physical goods, Business Insurance can protect your inventory when things go wrong. For example, it can provide cover your contents or stock if they are damaged in ...

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The risky business of insurance

... that 70% of these affected by a major event never recover. So how does a small business owner make savvy insurance decisions? Define “must haves” It's important to distinguish between 'must have' and 'nice to have ...

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BizCover SME Insurance Price Index Q2 FY20

... . The increase can be attributed to more demand for Business Contents insurance particularly from businesses with an annual turnover greater than $400,000. Cover for contents in the Trades sector saw a big increase of 21 ...

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Insurance for Allied Health Professionals

... a home-based practice, the Public Liability insurance provided under your Home and Contents insurance may exclude claims relating to your business activities. Business Insurance* Your clients are important, but so are ...

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Insurance for Restaurants

... type of insurance provides cover for your building if it is damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy. Contents* -Covers your business contents or stock if ...

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Insurance for Roofers

... way 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 ...

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Insurance for hospitality business

... that may be hard to replace quickly. Theft insurance * (also offered in Business Insurance Packs) covers you against loss of contents and stock as well as damage to your business premises due to theft or attempted theft ...

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Understanding Insurance for Interior Designers

... , help you create the best designs for your clients so it makes sense to insure them. Contents insurance covers your business contents or stock if they were damaged in a fire, storm or due to malicious damage or some ...

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Understanding Insurance for Graphic Designers

... other equipment are essential. Without them how would you be able to get the job done? Contents insurance covers your business contents or stock at your premises if they were damaged in a fire, storm or due to malicious ...

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Insurance for Concrete Contractors

... damage or loss (Business Insurance - Machinery Breakdown, Portable Equipment) Business property damage (Business Insurance - Contents) Unplanned interruptions (Business Insurance - Business Interruption) Injuries during ...

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Insurance for Chiropractors

... damage as a result of your negligent business activities. If your chiropractic business is based in your home, business-related claims may not be covered by your Home & Contents insurance. You may need a Public Liability ...

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Insurance for Tutors

... of your negligent business activities. Business Insurance* Your students help bring in your income, but where would you be without your business assets? Contents : covers your business contents if they were damaged ...

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Insurance for Car Wash and Auto Detailers

... property damage 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 ...

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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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Home Based Business Insurance

... discrimination, unfair dismissal and sexual or workplace harassment. Business Insurance Options include: Contents Having a home based business means there are certain business assets that you will require to perform your ...

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Insurance for Massage & Alternative Therapies

... may not cover events related to your business activities. Business Insurance*  Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an ...

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Insurance for Bakers

... Protect the things that help you bake the best pastries in town with Business Insurance . Contents - Covers your business contents or stock if they were damaged in a fire, storm or due to malicious damage or some ...

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Insurance for Accountants

... maintain a minimum level of Professional Indemnity cover. Business Insurance* Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an ...

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Insurance for Tutors

... of your negligent business activities. Business Insurance* Your students help bring in your income, but where would you be without your business assets? Contents : covers your business contents if they were damaged ...

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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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Insurance for Food Retail

... Covers you against loss of contents and stock as well as damage to your business premises, as a result ... can focus on running your food retail business. Tax Audit insurance * covers accountants' fees incurred in connection ...

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Insurance for Electricians

... the cost of claims or lawsuits that come your way. Business Insurance* Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured ...

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Insurance for Consultants

... in your income, but where would you be without your business assets? Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured ...

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Insurance for Retailers

... hit with 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 Tradesmen

... after the policy period 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 ...

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Spring Clean Your Salon’s Business Insurance

... or even accidental damage), repairing or replacing your business contents, stock, tools, and commercial premises could create an expensive headache. Business Insurance can be customised, so it only includes cover that ...

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Understanding Insurance for Retailers

... risks for things to go wrong, and that's where business insurance can help save the day. Whether you're selling the ... : Contents and stock* - provides cover for loss of or damage to items such as business equipment ...

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Insurance for Mobile Food Vans

... to assist in the process. Tax Audit Insurance covers a business for specified costs in responding to an official tax audit. Theft* Theft insurance can cover your contents, stock or specified items from theft, attempted ...

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Insurance for Recruitment Consultants

... , or you inadvertently 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 ...

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Insurance for Psychologists

... advantage, but where would you be without your business assets? Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured ...

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Insurance for Professionals

... could leave your bank account a little worse for wear. 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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Insurance for Real Estate Agents

... meets your needs. This could include policies like Portable Equipment , Tax Audit or Business Interruption insurance. Cyber Insurance Real estate agencies make tempting targets for cybercriminals. As an agent, you have ...

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Dishing up the facts on food business insurance

... 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 pharmacy and pharmacists

... providers within the market Insures the contents or stock of your pharmacy, up to $2 million in cover Trusted by over 100,000 small businesses Compare quotes from our trusted insurance partners: Why do Pharmacies and ...

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Guide to Physiotherapy Business insurance

... any practising physiotherapist. You've worked hard to get your business going, so it pays to invest in looking after your contents. Contents insurance covers your business contents or stock if they were damaged in a fire ...

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Insurance for Pet Professionals

... accidental injury 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 ...

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Earthmoving and Excavators Insurance

... covers a variety of common risks, from your stock and tools to your commercial buildings and their contents. Business Insurance packages can be customised to include many types of coverage, such as: Building* If you own ...

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What insurance do I need for a restaurant?

... your restaurant, consider combining Theft insurance, Building & Contents and Business Interruption insurance into a bundled Business insurance package . Your partner in restaurant insurance BizCover takes the drama out ...

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Insurance for Concrete Pumping

... damage or loss (Business Insurance - Machinery Breakdown, Portable Equipment) Business property damage (Business Insurance - Contents) Unplanned interruptions (Business Insurance - Business Interruption) Injuries during ...

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Insurance for Fencing Contractors

... - Machinery Breakdown, Portable Equipment) Damage to your business property (Business Insurance - Contents) Unplanned work disruptions (Business Insurance - Business Interruption) Personal injuries on the job or after ...

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Insurance for Personal Trainers

... . It can help you replace damaged or stolen equipment that is essential to doing your job. Contents insurance* - Covers your business contents or stock if they are damaged in a fire, storm or due to malicious damage or ...

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Insurance for Dog Grooming

... work your razor magic from Broome to Brisbane! Business Insurance* Contents* If your dog grooming business operates from a shopfront you will need to consider Contents insurance *. This gives you peace of mind knowing ...

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7 key challenges in retail business

... malicious activity or another defined event listed in the policy. Contents insurance * provides cover for loss of or damage to items such as business equipment, stock, plant and machinery, records and furniture belonging ...

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How to start your own business from home

... *: Covers your business contents or stock if they were damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy. Cyber Liability*: Cyber Liability insurance helps to protect ...

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Insurance for Handymen

... theft or damage 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 ...

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How to Start a Roofing Business

... injury or property damage. This includes defence costs cover. Business Insurance * - An insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event ...

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Benefits of insurance for small businesses

... if these valuable possessions were lost, damaged, or stolen? 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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Understanding business insurance for bookkeepers

... Business Insurance options that can help protect the things that matter most to your business. Some of the types of cover you may need to consider for your bookkeeping business include: Contents*- Covers your business ...

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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?

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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.