Business Entity Insurance

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Business Interruption Cover*

What’s covered & what’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. ...

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How much does Business Insurance cost?

... . *Data based on NSW BizCover customers How much do food businesses pay for Business Insurance? The average cost of a Business Insurance package for businesses operating in the food industry is $132.75 per month , ...

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What is Business Insurance?

... or offsite) or you have stock 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 ...

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Business Insurance

... damage d , stolen or if you sustain financial loss due to an insured interruption to your business. Business insurance usually falls into t hree categories : a) Material damage loss for your physical assets b) Financial ...

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Business Insurance on the Gold Coast

... range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business insurance* for Gold Coast Small Businesses Business Insurance is an insurance package designed to provide cover for ...

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Business Insurance on the Central Coast

... range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business I nsurance * for Central Coast businesses Business Insurance is an insurance package designed to provide cover for ...

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Business Insurance In Wollongong

... Wollongong pay  $ 70.12 ** per month for  their business insurance package . Business  insurance is one of the most popular types of insurance for sm all businesses in Wollongong . In fact, it is  arguably important for ...

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Business Insurance in Townsville

... so you can work and play with less worry about something going wrong! How much does business insurance cost? Business insurance costs vary depending on many factors, including the type of cover you are after. For example ...

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Business Insurance in Toowoomba

... in Toowoomba pay $60.97 ** per month for  t heir business insurance packages . Business  insurance is one of the most popular types of insurance for small businesses in Toowoomba . In fact, it is arguably important for ...

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Business Insurance in Parramatta

... in Parramatta pay $71.30 ** a month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Newcastle. In fact, it is arguably important for almost ...

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Business Insurance in Melton

... in Melton pay  $ 79.55 ** a month for  their business insurance package . Business  insurance is one of the most popular types of insurance for small businesses in Melton . In fact, it is arguably important for almost ...

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Business Insurance in Launceston

... range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business Insurance* for Small Businesses in Launceston Business Insurance is an insurance package designed to provide cover ...

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Business Insurance in Geelong

... injury 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 ...

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Business Insurance in Bundaberg

... a range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business Insurance* for Bundaberg businesses Business Insurance is an insurance package designed to provide cover for your ...

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Business Insurance in Bunbury

... in Bunbury pay around $54 * * a month for a Business insurance policy. Business insurance is one of the most popular types of insurance for small businesses in Bunbury. In fact, it is arguably important for almost every ...

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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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Business Insurance in Newscastle

... pay around  $ 71.06 ** per month for  their business insurance  p ackage . Business insurance is one of the most popular types of insurance for small businesses in Newcastle . In fact, it is arguably important for ...

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Business Insurance in Mackay

... a range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business Insurance for small businesses in Mackay Business Insurance is an insurance package designed to provide cover for ...

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Business Insurance in Cairns

... Cairns pay around $73.93 * * a month for a Business insurance package . Business insurance is one of the most popular types of insurance for small businesses in Cairns. In fact, it is arguably important for almost every ...

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Business Insurance FAQs

... cover? What is Goods in Transit cover? What is Product Liability Insurance? What is Product Liability Insurance? Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover by ...

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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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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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No Dramas

... of trying to save both time and money, and while your to-do list may be growing, putting off your business insurance is one thing that cannot be pushed aside. The reality is that accidents can happen at any time and the ...

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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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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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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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Public Liability Insurance NSW

... ), you must be a Capital Gains Tax (CGT) small business entity and have an aggregated turnover of less than $2 million for the income year in which the insurance is effected or renewed. If you qualify for the exemption ...

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Public Liability Insurance NSW

... ), you must be a Capital Gains Tax (CGT) small business entity and have an aggregated turnover of less than $2 million for the income year in which the insurance is effected or renewed. If you qualify for the exemption ...

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A guide to professional services business

... business entity. Your personal assets and liabilities will be linked to your business assets, which makes you personally responsible for your business's ... professional services business owners, insurance for professionals ...

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How to write a solid business plan in 11 steps

... and keep it safe from any unwanted challenges- that's where business insurance comes into the equation. At BizCover we offer business insurance solutions from the basics like Public Liability and Professional Indemnity ...

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How to start a plumbing business

... entity that is separate from its owners Trust – is an entity that retains property/ income for the benefit of others Co-operative – a business ... employment). Get your plumbing business insurance sorted quicker than a flush ...

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How to start a business in 2024

... a business with other people together but not as a company Company - listed as a legal entity that ... assets that your business couldn't afford to be without. There are many kinds of business insurances available*, but ...

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How to start an HR consulting business

... business. 3. Form a legal entity and choose your business structure Establish your HR consulting business as a legal entity ... Reduce your exposure to risk with business insurance There are several common risks human ...

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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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Do online businesses need insurance?

... extreme weather events. Do online businesses require online business insurance? So, can online businesses benefit from business insurance, and what insurance do you need for an online business? Well, the simple answer is ...

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Home Based Business Insurance

... Cost What's included & what's not? Get the right cover FAQ's Why do Home Based Businesses need insurance? Just because you don't have a typical office or working space doesn't mean things can't go wrong. Whether ...

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Benefits of insurance for small businesses

... negotiate with a potential client. What are some of the key types of small business insurance? Here is a snapshot of some key types of business insurance and what they are designed to protect you from. While you may not ...

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5 Surprising Things Business Insurance Can Cover

... thieves to make themselves welcome. Glass cover is often an option that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement by your landlord. It not only covers repair or ...

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5 tips for an insurance health check

... those who rank ‘being unable to trade’ as one of their top concerns, claim not to have Business Interruption Insurance. (Vero SME Insurance Index,2016) 3. Do I have enough cover to safeguard against a major event or loss ...

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Dishing up the facts on food business insurance

... like there is an overwhelming choice of policies and policy options to choose from. Why do I need insurance for my food business? Whether you are serving up fancy dishes in a restaurant, coffees in a café or tacos in a ...

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Insurance for Management Consultants

... you access to IT experts who can contain damage and help you get back to business faster. How much does business insurance cost for management consultants? Unfortunately, there's no one answer to this question. Every ...

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Insurance for Concrete Contractors

... cover for their tools of the trade and other equipment that's vital to running their business. Your Business Insurance Package can be customised to include cover for your tools and equipment, such as Machinery Breakdown ...

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Insurance for Concrete Pumping

... tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to ...

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Insurance for Physiotherapists

... to you instantly. Prefer to talk? Call us and talk to a real person. Friendly, helpful service from a business insurance professional. 1300 920 863 Mon-Fri 8.30am-7.00pm Sat 9.00am-5.00pm This information is general only ...

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Insurance for Tutors

... against you due to their being injured or sustained property damage as a result of your negligent business activities. Business Insurance* Your students help bring in your income, but where would you be without your ...

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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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7 key challenges in retail business

... food sellers if rotten food occurs. This is where protecting your business property (if you own it) and your valuable business assets becomes vital. Building insurance * covers your building if it is damaged as a result ...

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7 ways to finance your startup business

... gets off the ground. At BizCover, there is no “one size fits all” solution for small business insurance *, each business has its own needs, and so it provides different cover options for over 6,000 occupations across ...

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Professional Indemnity Insurance for Consultants

... you may have had to put out initially. This type of insurance is usually offered as a part of a business's insurance policy. The cover will form the center of your insurance coverage and you will usually be able to add ...

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Insurance for Cafes

... member of the public is injured or sustains property damage as a result of your negligent business activities. Business Insurance* Your business assets help make your café dream a reality and while you may not be able to ...

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Insurance for Mobile Food Vans

... leading insurers Competitive pricing with our price promise Compare quotes from our trusted insurance partners*: Why do mobile food van businesses need insurance? Just because you're always on the move doesn't mean you ...

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Insurance for Martial Art Teachers

... do so. That's why it is important to protect all the key things that make your business run smoothly with a Business Insurance policy . There are a number of different cover options for you to choose from, depending on ...

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Insurance for Landscapers

... ? From Brisbane to Ballarat, you've got peace of mind and protection. What are the common insurance policies for my landscaping business? Public Liability* When you ' r e working on site at a client's property, there ...

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Insurance for Retailers

... take your customers' worries away with a bit of retail therapy, we'll take your worries away with business insurance. Whether you sell the best gifts in town, the latest fashion, or the most delicious baked goods, with ...

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Insurance for Tutors

... against you due to their being injured or sustained property damage as a result of your negligent business activities. Business Insurance* Your students help bring in your income, but where would you be without your ...

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Insurance for Tradesmen

... variety of coverage options designed to protect the things that matter most to your tradie business.Just like the cost of business insurance, there isn't a blanket cover for all tradies. However, there are a few factors ...

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Insurance for Real Estate Agents

... damage as a result 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 Psychologists

... as you've spent countless hours nurturing your clients, you need to nurture your business too. Having business insurance is an important part of protecting your practice and your livelihood against damaging allegations ...

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Earthmoving and Excavators Insurance

... many types of coverage, such as: Building* If you own the building from where you operate your business, Building Insurance covers you for damage to the building caused by fire, storm and other perils listed within the ...

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How small business can improve cash flow

... business via business insurance. “Business insurance products such as Public Liability Insurance , Building & Contents Insurance , a Business Insurance Pack and Business Interruption Insurance can help small business ...

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The risks of growing your small business

... involves growth and prosperity or financial breakdown. With smart risk management , however, and a tailored insurance plan, your business will be in the best position to come out the other side of its growth spurt with ...

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How to start a concrete pumping business

... do happen, and when they do they have the potential to become a disaster for your concrete pumping business. However, insurance for concrete pumping can help you avoid the worst of bad situations if things don't go to ...

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Understanding Insurance for Retailers

... retail industry is one which is exposed to many potential risks for things to go wrong, and that's where business insurance can help save the day. Whether you're selling the finest frocks in town or an emporium of gifts ...

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STABLE INSURANCE RATES A REASSURANCE FOR SMEs

... financial year and fell a further seven per cent this quarter,” he said. “Key sections of business pack insurance that are frequently used by retailers such Contents, Glass and Theft all showed noticeable price declines ...

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BizCover SME Insurance Price Index Q2 FY20

... decline that began 12 months ago. 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 ...

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Insurance for Furniture Manufacturers: A Guide

... or officers for claims of wrongful acts in the management of the business.  Personal Accident & Illness Insurance* Personal Accident and Illness insurance can provide cover options for: – loss of income if you are unable ...

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How to start a home care business in Australia

... setting things right could get expensive for your business. 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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Hospo Insurance

... of Australia's leading insurers Trusted by over 200,000 small businesses Compare quotes from our trusted insurance partners: Why do Hospo businesses need insurance? Whether you're serving up yummy meals and hot coffees ...

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Insurance for Chiropractors

... from your account. Prefer to talk? Call us and talk to a real person. Friendly, helpful service from a business insurance professional. 1300 920 863 Mon-Fri 8.30am-7.00pm Sat 9.00am-5.00pm This information is general ...

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Insurance for Gardeners

... . It may also be necessary to lease commercial warehouse or storage space for your equipment and supplies. Business Insurance You rely on many garden tools and equipment to do your job well and safely. If they were ...

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Insurance for HR Consultants

... policy. It may also be necessary to lease commercial office space for your business. Business Insurance Business Insurance (also called a Business Insurance Pack) is a convenient way to bundle several types of cover that ...

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Insurance for Food Retail

... the stress out of an ATO investigation, so you can focus on running your food retail business. Tax Audit insurance * covers accountants' fees incurred in connection with an audit by the Australian Taxation Office. Cyber ...

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1 in 10 insured small businesses use BizCover

... business-indicators/counts-australian-businesses-including-entries-and-exits/latest-release (2) https://insurancecouncil.com.au/wp-content/uploads/resources/ICA%20reports/2015/201505_Non-insurance%20in%20SME%20sector.pdf

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Spring Clean Your Salon’s Business Insurance

... fast, easy and drama-free. You just need to get back to basics. Reviewing your current cover Are your business insurance policies still a good fit for your salon? If it's been a while since you purchased cover, it might ...

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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?

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.