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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Business Insurance in Toowoomba

... in Toowoomba pay $60.97** per month for their 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 on the Gold Coast

... -based, such as consultancy occupations.  Given the various industries and occupations that can take out business insurance packages, the cost of it can vary greatly. This is due to several factors including:  The ...

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Business Insurance in Bunbury

... 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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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 Parramatta

... Amy E. Real Estate Agent How much does Business insurance cost? On average, small businesses in Parramatta pay $71.30** a month for their business insurance package. Business insurance is one of the most popular types of ...

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Business Insurance in Townsville

... in Townsville pay $91.55** per month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Wollongong. In fact, it is arguably important for ...

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Business Insurance in Wollongong

... B., Beauty Salon Owner How much does Business insurance cost? On average, small businesses in Wollongong pay $70.12** per month for their business insurance package. Business insurance is one of the most popular types ...

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Business Insurance in Mackay

... in Mackay pay around $68.55** per month for their business insurance package. Business insurance is one of the most popular types of insurance for businesses in Mackay. In fact, it is arguably important for almost ...

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Business Insurance in Cairns

... in 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 ...

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Business Insurance in Newcastle

... in Newcastle pay around $71.06** per 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 ...

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Business Insurance in Geelong

... Salon Operator How much does Business insurance cost? On average, small businesses in Geelong pay around $79.43**for their business insurance policy. A business insurance package is arguably important for almost every ...

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Business Insurance in Launceston

... 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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Business Insurance on the Central Coast

... 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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Business Insurance in Bundaberg

... 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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Business Interruption

... of your wider disaster recovery plan - a plan that should include both a broader insurance package and a clear guideline for how your business would react and recover after a disaster event. Need a real-life scenario ...

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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

What’s included & what’s not?Get the right cover The business of Business Insurance* Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and ...

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Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... your business and your bottom line. Whilst you've got the insurance ... ... Given our limited resources it's hard to plan for everything. Here are some of the most common BizCover Business Insurance customer claims, and tips on how to prevent them. Theft Theft is unfortunately common for small ...

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Business Insurance FAQs

... the answers! Check out our library of FAQ's designed to make insurance easy to understand. Get Free Quotes Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover by ...

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Portable Equipment

What’s covered & what’s notThings to considerBack to Business Insurance Portable Equipment* Portal Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable ...

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Machinery Breakdown

What’s covered & what’s notThings to considerBack to Business Insurance Machinery Breakdown* This insurance covers the cost to repair or replace specified machinery following a breakdown. Did you know? 'Breakdown' refers ...

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Money

What’s covered & what’s notThings to considerBack 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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Theft

... s notThings to considerBack 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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Employment Practices Liability

What’s covered & what’s notThings to considerBack to Business Insurance Employment Practices Liability Cover* Employment Practices Liability (EPL) Insurance is designed to help employers minimise the risk and potential ...

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Statutory Liability

What’s covered & what’s notThings to considerBack 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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Business Insurance the Smart Way

... compare and 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 ...

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Goods in Transit

What’s covered & what’s notThings to considerBack to Business Insurance Goods in Transit* Goods in Transit covers (subject to a specified limit) loss or damage to goods owned by you which are damaged in transit by road ...

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Professional Attire Insurance

... hat better than a member of the Village People? There's now a revolutionary solution; Professional Attire Insurance, that covers you for any damage to your professional uniform, offering a rapid replacement service for ...

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Business Insurance Guide for the Self-Employed - Part 3

... print in the world of business insurance, it can feel like you ... , comprehensive guide on all things Business Insurance for the self-employed. In ... 3 of our guide, we go back to basics with Business Insurance and the main kind of coverage options to consider. What is Business Insurance? Business Insurance* is an insurance package designed to provide cover for your ...

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6 Areas You May Not Have Thought Business Insurance Covers

... 's vital to protect your business assets and revenue against potential ... risks that may impact your business, such as fire, storms, theft ... accidental ... a policy. And the good news is, you can include Business Interruption as part of your Business Insurance package. It's important to remember that your business will change over time, and so will your assets, therefore ...

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Insurance for Psychologists

... 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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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one ... assets is Small Business Insurance. But what kind of insurance do you actually ... it ... in a policy tailored specifically for your profession. Professional Indemnity Insurance explained. Business Insurance Business Insurance often comes as a package encompassing a range of different coverage options for you ...

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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 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 Hair & Beauty Services

... 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 a ...

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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 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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Insurance for Plumber

... to or managing 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 ...

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Insurance for Carpenters

... can include legal costs, investigator costs and expert fees). Business Insurance Business Insurance* is a package designed to provide cover for your business contents, stock, tools and commercial premises when an insured ...

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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 Landscapers

... may also 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 ...

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Insurance for IT Professionals

... offer a liability package with combined Professional Indemnity and Public Liability insurance from the same ... questions is yes, you might want to consider Business Insurance for coverage of one or more of building, ...

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Insurance for Marketing Consultants

... , storm or theft). It can provide cover for your building, contents, stock or event an interruption to your business. A business insurance package can even include tax audit, statutory liability or employment practices ...

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Insurance for Disability Workers

... Worker's insurance package includes Professional Indemnity* and Public Liability* insurance. Professional Indemnity* An important form of insurance that is designed to respond to claims against your business for losses ...

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The Best Thing Dad Told Me About Business

... best bits of advice small business owners have been given by ... it comes to running a business and putting their best foot ... ... advice when it comes to managing your small business, just like making sure you have the right business insurance in place to protect it. At BizCover, experience insurance made easy with access to Instant and competitive ...

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Insurance for Accountants

... our commitment to providing the most competitive insurance prices we can! Business Insurance* Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

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Insurance for Handymen

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

... cripple your business and effectively 'lock up' operations. Business interruption insurance can provide ... lucky country, but sometimes your ... wider disaster recovery plan - a plan that should include both a broader insurance package and (crucially!) a clear guideline for how your business would react and recover after a disaster event. If something does happen ...

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Insurance Considerations for Personal Trainers

... to protect yourself and your business from the [] ... need to consider how to protect yourself and your business from the different risks that you will face as ... risks and have combined the two covers into one insurance package. So you can choose to get one policy rather ...

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10 Tools Every Small Business Should Gift Themselves This Christmas

... you are running a small business you have to be many ... can help you manage your business more effectively. Here are our ... ... simply and quickly to send to your list. The New Business Package is free which you can send up to 12,000 ... . BizCover is Australia's No. 1 online business insurance, where you can compare multiple quotes from Leading ...

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Business Insurance Guide for the Self-Employed - Part 1

... plans for success. Any solid business plan should have a focus ... strategies and protection for your business for the long haul. From ... , there ... themselves on your property is a reality and one that could be very costly. Public Liability insurance protects your business, even if it is a home-based operation. Market stall-holders– A minimum level of Public ...

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Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... minutes. If you run a business, it is absolutely essential that ... yourself and your assets with business insurance. However, figuring out exactly ... , you don't want to waste money on coverage you don't need.  In the past, the best way to find business insurance was to talk to people in your industry and ask for a recommendation of a broker familiar with your area ...

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iSelect partners with BizCover to launch business insurance comparison

... has expanded their general insurance offering to include business insurance, through a partnership ... BizCover, Australia's leading small business ... company was thrilled to be partnering with BizCover to assist it in focusing on the SME business market. “Business insurance, like many of iSelect's other verticals, is a very complicated but important product. We know ...

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Dishing up the facts on food business insurance

... whether you have the right business insurance. When it comes to insuring ... your small food business, sometimes it can feel like ... ... 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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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... most risks that a small business faces? Have ... 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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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump ... quotes and buy the insurance that suits your business ... cover. A small price to pay even if it is unlikely you will have a million dollar claim. However your business insurance may cover personal items If you have cover for theft and there is a break in to your office, you ...

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Home Based Business Insurance

... was compromised. The impact could be devastating to your business. Cyber liability insurance is a type of business insurance product, which protects your business against both the legal costs and expenses (including ...

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Business Insurance Guide for the Self-Employed - Part 4

... final piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share .. ... ? Give us a call or jump online to discover a variety of business insurance options to help protect your business. At BizCover we're all about making insurance easy and hassle-free, providing multiple quotes from some of ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... 've created a guide to business insurance for the self-employed that ... and ... which is why we've made it our mission to make it a bit easier. We've created a guide to business insurance for the self-employed that profiles the main types of cover to consider and how it can protect you for the long ...

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Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you're like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... plan for you we can help you with tips on getting the best value on your business insurance. Cover yourself up! Check your insurance cover levels to see whether you have the right levels of cover. First let's make ...

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Small Business Insurance Index

... strong price increases in the business insurance market, SMEs are continuing to ... in the cost of business insurance, the BizCover SME Insurance ... the market at large has seen an increase in the cost of business insurance, the BizCover SME Insurance Price Index shows that overall pricing for SME insurance has remained flat over the last year. The BizCover index is ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... Quarterly BizCover Small Business Insurance Price Index has shown insurance ... are holding on to pricing gains made last quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown insurance rates dropping back two points. Despite this drop, some insurers have managed to ...

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of ... insurers will be able to continue to further push premium rates up. It is a great time to be a buyer of insurance and if businesses are willing to obtain multiple quotes it is likely they could still save on their ...

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5 Reasons To Review Your Business Insurance This Christmas

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

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The Easter Bunny's Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... 's factory broke down or the refrigerators that the eggs are stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover for machinery breakdown and the deterioration of stock, covering the ...

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Insurance for Furniture Manufacturers

When you run your own business, there is a lot ... wrong. This is where business insurance comes into play and should ... business' risk management ... provides you with cover in relation to the products you import. Business Insurance* A lot goes into owning your own furniture manufacturing business, from your premises to your machinery, equipment and even stock. You ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... up a new business or have been in business for a while ... and looking to buy insurance ... include a sub-limit of $100,000 for claims arising from flood damage. 5. Where can I buy business insurance? Researching the market can be a time consuming process, but thankfully there are a few options when it comes ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... -edge online insurance model that connects independent professionals and small businesses to ... critical Professional Liability (E&O) insurance ... (annual revenues under 2.5 million dollars) have not had many alternatives when it came to buying business insurance. BizInsure has entered this space to satisfy the needs of this important and growing market; small ...

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Insurance for Allied Health Professionals

... challenges that could leave 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 ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a general review of your business, it's worth taking time ... your insurance to ensure that if the ... 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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The Risky Business of Insurance

... Costs to Australian Small Business? Small business owners tend to be ... and future planning. Managing business risk and ensuring that a . ... 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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Public Liability Insurance Scenario

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... – she says nothing could be worth that amount of anguish. “If I had been responsible and set my business up with the insurance I needed, it would have been a very different story for me,” Janine says from her new home in ...

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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 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 ...

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Insurance for Cafes

... , croissants or a cheeky muffin, so leave your order for business insurance with BizCover, the small business insurance specialist. Protecting your business has never been easier, receive multiple quotes, compare and get ...

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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 Civil Engineers- what you need to know

... think about what kinds of business insurance coverage you may need to ... ... activities. Allegation of professional negligence are typically excluded from cover. Business Insurance Business Insurance can provide cover for your business assets* including its premises, contents, stock and in the ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... or where damage to property or the general public can occur. Business Insurance To protect your office or place of business from damage or loss, Business Insurance for land surveyors is another smart policy to consider ...

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Insurance for Architects

... 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 Gift Shops

... tripping on stock that was left on the floor. Having the right Public Liability insurance will give you peace of mind. Business Insurance* Your customers are important but so is your stock, shop contents, and building ...

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Insurance for Finance & Mortgage Brokers

... property damage as a result of you going about your business. Business Insurance* Your clients are important, but so are your business assets. Business Insurance is an insurance package designed to provide cover for your ...

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Additional Cover for Professional Indemnity Insurance

... certificates of insurance - it's just part of the business. Hish ... Mines, a busy IT consulting business providing information management ... caused them a personal injury or property damage, it is vulnerable to costly legal action. PI Insurance protects small businesses from this type of action. Unlike Hish, Lynn's clients don't ask to see her certificates ...

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Insurance for Furniture Manufacturers

... or damage to your assets could be enough to lose precious production time. Protect your business against the unexpected with the right business insurance. In a few clicks of a mouse or a phone call, you can get cover ...

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Insurance for Personal Trainers

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

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Insurance for pharmacy and pharmacists

... your practice as a pharmacist and your business activities there are other elements of your business that may require different types of insurance cover. Business insurance* offers a number of coverage options including ...

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Insurance for Sole Traders and Self Emplyed

... on site or have a mobile business, protecting your assets with Business Insurance* can provide added peace of mind for your business. Business Insurance can provide cover for your business assets including its premises ...

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Insurance for Land Surveyors

... . Before you utter your words of advice, consider protecting your surveyor business with Business Insurance. Did you know? Be sure to consider Business Insurance to cover your expensive equipment when out in the field ...

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Insurance for Convenience Stores

... you could be left paying a small fortune if unplanned challenges crop up. Protect your business needs with tailored Business Insurance options that can provide cover for: Contents and Stock* – you rely on your fixtures ...

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The business of Business Insurance*

Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and effort into building your business. Don’t risk wasting all this effort by not protecting your business assets from unexpected events. No matter how much you plan and prepare for things, sometimes there are circumstances that are out of your control – you need to ensure you have a plan to protect your business today to ensure you’ll be in business tomorrow.

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

Excellence in Customer Service


Independent feedback from our customers rated our service at excellent.

What is included?

A) Material damage loss for your physical assets

B) Financial loss due to Business Interruption

Choose cover options below!

What is typically NOT covered?

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

Download Business Insurance Fact Sheet

Link to Business Insurance Factsheet

Get the cover that is right for you

Your business may be considered ‘small’ but it’s big to you and big to us. That’s why we want to make sure you have the right protection. We offer various cover options to suit a variety of businesses.  Take a few minutes to consider some of the following risk areas and think about which ones impact you and how much cover your business would need should things not quite go to plan.

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general only and should not be relied upon as advice.