What is Business Insurance?

Do I need business insurance? Claim Example 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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How much does Business Insurance cost?

... 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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Money

... should not be relied upon as advice. Things to consider Does your business hold large sums of money on-site, or do you transport money to and from your business premises? ← Back to Business Insurance

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Business Interruption

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

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Business Insurance in Bunbury

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

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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 ... ... Here are some of the most common BizCover Business Insurance customer claims, and tips on how to ... hardware and equipment after the storm caused water damage to their premises. You can reduce the risk of a claim from a ...

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Business Insurance in Parramatta

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

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Business Insurance in Wollongong

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

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Business Insurance in Bundaberg

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

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Business Insurance in Melton

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

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Business Insurance in Toowoomba

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

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Business Insurance in Townsville

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

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Business Insurance in Launceston

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

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Business Insurance in Mackay

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

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Business Insurance on the Gold Coast

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

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Business Insurance in Geelong

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

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Business Insurance on the Central Coast

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

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Business Insurance in Cairns

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

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Business Insurance in Newcastle

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

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Business Insurance

... 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 ...

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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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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 FAQs

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

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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 ...

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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? ' ...

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Theft

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

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Employment Practices Liability

... 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 ...

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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 ...

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Goods in Transit

What’s covered & what’s not Things to consider Back 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 ...

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

... time to make sure your business premises is prepared for the wetter ... tips can help make your business safer for the cooler seasons ... ... is a prime time to make sure your business premises is prepared for the wetter and cooler weather ... . Having Public Liability insurance is one of the vital safeguards for your business, protecting you from ...

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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 ... ... as a supplier tripping over at your business premises could end up costing you more than a few boxes of groceries! Public Liability insurance is designed to protect your business against such claims by covering your ...

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

Your business property is like your home ... . Whether you're in the business of providing expert advice to ... ... needs it? Building cover is generally only taken out if you are the owner of the business premises. As part of the insurance assessment process, an assessor may be brought in to conduct a valuation of the property ...

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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 ... out $75,000. Money Did you know your Business Insurance policy can also provide cover for money that belongs to your business if it was lost, stolen or damaged whilst on your premises, in transit to or from your ...

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Insurance for Convenience Stores

... daily makes Money cover a vital form of insurance to consider, particularly considering data from the ... due to breakdown. Building* – if you own your business premises then Building cover is a no-brainer. It will cover ...

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

... a sole trader or small business owner, there's no doubt ... protecting your business and your customers with Public Liability insurance. It ... practices you could potentially reduce your insurance premium over time. Do all you can to improve your business by improving the general safety of your premises, such as installing sprinkler systems, burglar alarms ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... arranging appropriate cover for your business? Not all Public Liability policies ... ... gyms and fitness studios. For those that are currently renting their business premises, your landlord may require you have a Public Liability insurance policy in place. 4. Take the time to compare quotes ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... are scalable and can be changed with as your business grows. This type of insurance should be considered if you or your business has expensive equipment in your business premises or when out in the field. Cyber ...

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Understanding Insurance for Retailers

... wrong, and that's where business insurance can help save the day ... ... premises, in transit, or in your private residence . Business Interruption* - could your business survive being shut due to an insurable event, for a few days, a week, or longer? Business interruption insurance ...

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A Mumpreneurs Guide to Understanding Business Insurance

... parenthood while running your own business is anything but an easy ... ... candle stand at the local markets, business insurance is something all businesses need to think about. So ... business premises, consider protecting your vital business assets. Can you imagine trying to run your business ...

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Protecting your Business from Cyber Risks - Part 2

... business from a cyberattack. We also explain what Cyber Liability insurance ... it as part of your business security plan. Tips to stay . ... backed-up regularly and stor ed off your business premises. Don't have the backup connected to ... of business insurance options to help protect your business. At BizCover , we're all about making insurance easy ...

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Management Liability Insurance

... cover Could this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a ... theft or attempted theft from your business premises. Statutory Liability - covers the ...

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Insurance for Bakers

... You know? If you are renting your business premises, part of your commercial lease may require you to take out glass cover. Insurance for bakers Public Liability Accidents can easily occur ...

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7 Ways to Spring Clean Your Business

... perfect time to revive your business. Whether it's learning a ... an overhaul, spring cleaning your business is an opportunity to refresh ... to ... business. Review your insurance As your business grows and changes , so do your insurance needs. Revisi ti ng your business insurance ... renovations to your business premises? Are your portable ...

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What is Public Liability Insurance?

... you should consider P ublic Liability insurance . For example:^ Consultants/Contractors/ Tradespeople who work from home or visit their clients' premises Businesses that have an office, showroom ...

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Understanding Insurance for Physiotherapists

Your clients rely on your expert advice and services as a physiotherapist. You help ease their aches and pains from minor sprains to long-term rehabilitation programs ... due to malicious damage or some other defined event listed in the policy. Building insurance* If you own your business premises , then you will understand how important it is to have your most expensive ...

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Insurance for Sole Traders and Self Emplyed

... you own your own business premises, work 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 ...

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Do I need Public Liability insurance?

... law for most businesses, all small businesses should r hold Public Liability insurance to protect them ... your business: You have customers, suppliers or members of the public who visit your business premises, e ...

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Insurance for martial art teachers

... equipment if it's lost, stolen or damaged anywhere within Australia. Building Insurance*  covers the cost of repairing or rebuilding business premises (that you own) as a result of insured events, such as ...

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What does Public Liability insurance cover?

... Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who work in an office or have a fixed business premises… Picture a landscaper busily working away ...

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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 ... out of their garage to behemoth corporations with premises the size of small cities. When a catastrophe ... Additional Increase Cost of Working' is included, Business Interruption insurance may take care of both the moving ...

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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 ... to consider. What is Business Insurance? Business Insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event ...

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

Lodging an insurance claim is never a fun ... something that mattered to your business due to a disastrous event ... you just want your small business ... - if your premises needs to be repaired, could you afford to relocate , pay rent and the running cost of your business at another location? This is where Business Interruption insurance * comes in ...

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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 ... hole in the front of your premises clearly leaves your business exposed to security issues, and could ... option that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement by ...

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Understanding Insurance for Graphic Designers

... plan, that's when your business insurance comes into play. We've ... ... W ithout them how would you be able to get the job done? Contents insurance c overs your business contents or stock at your premises if they were damaged in a fire, storm or due to malicious damage or ...

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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 ... 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 ...

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Insurance for Pet Professionals

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

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Insurance for Retailers

... premises, in transit, or in your personal custody. Business Interruption* - could your business survive being shut due to an insurable event, for a few days, a week, or longer? Business interruption insurance covers ...

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Insurance for Accountants

... 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 premises when ...

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Insurance for Landscapers

... to join trade associations. Business Insurance* Business Insurance is a package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs ...

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Insurance for Restaurants

... ? If you are renting your businesses premises, part of your commercial lease may require you to take out glass cover. Insurance for Restaurants Public Liability Insurance* There are many possible accidents ...

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Insurance for Tutors

... as a result of your negligent business activities. Business Insurance* Your students help bring in your ... , at the insured premises. ^Fees and charges apply *As with any insurance, cover will be subject ...

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Insurance for Psychologists

... 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 event occurs ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... if they were damaged, destroyed or even stolen? Business Insurance provides tailored protection for your contents (including IT equipment) stock and premises against fire, storm, theft, vandalism and accidental damage ...

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The Risks of Growing Your Small Business

The only strategy that is guaranteed to fail is not taking risks. Mark Zuckerberg There comes a time when every successful enterprise needs to ditch the baby steps ... risk management, however, and a tailored insurance plan, your business will be in the best position to ... Do you own your premises? Do you have expensive tools or equipment? Are your business valuables often in transit ...

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Insurance for pharmacy and pharmacists

... (without forcible and violent entry) of business contents from or immediately outside the pharmacy premises during b usiness h ours. *As with any insurance, cover will be subject to the ...

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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 ... do business: do you have a physical premises, is your business online, or both? How you do business: ... there are a few options when it comes to buying business insurance including, going direct to an insurer, paying a ...

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Insurance for Consultants

... 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 event occurs ...

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5 Common Beauty Insurance Claims

... a devastating effect on your business. We take a look at ... ... had displayed on it. “Thankfully my Business Insurance policy included building and contents cover”, ... employs a number of therapists notes, “I rent my premises and it was a requirement under my contract with my landlord ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or ... your business' activities. Failure in obtaining public liability insurance ... obtaining public liability insurance policy can expose a business to a range of risks. As a business, you will inevitably have interactions with customers and third parties that will pass through the premises or use a ...

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Understanding Insurance for Mortgage Brokers

... with the appropriate types of business insurance. [] ... make it all happen 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 event occurs ...

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Insurance for Hair & Beauty Services

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

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Insurance for Butcher Shops

... best cuts in town, let us look after your Business Insurance. Competitive quotes from leading insurers are only a few clicks ... to your business in the case it is stolen, lost or damaged whilst on your premises, in transit ...

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Insurance for Recruitment Consultants

... think of a client tripping over at your premises, or you inadvertently damaging your client's property. Business Insurance* Business Insurance is an insurance package designed to provide cover for your ...

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Insurance for Registered Migration Agents

... - think of a client tripping over at your premises, or you damage your client's property. Business Insurance* Your clients are important, but so are your business assets. Without the right cover, you could be hit ...

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5 Reasons To Review Your Business Insurance This Christmas

... stressful!) time for many small businesses. Come December the big Christmas ... ... is any increase in foot traffic coming in to your premises - for example if you are a cafe or restaurant ... are carrying increased stock levels. Do you have Business Insurance to cover your stock and contents from theft or ...

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Is your Small Business Summer Proof?

... challenges and risks every small business should be aware of. Complete ... ... Pack will cover your for damage to any glass (internal or external) on your premise. Theft Cover, under a Business Insurance Pack, will pay you for theft of machinery, content, stock in trade or raw materials. This ...

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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 ... ... 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 event of ...

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Insurance for Car Wash and Auto Detailers

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

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Insurance for Real Estate Agents

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

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Understanding Insurance for Real Estate Agents

... kinds of insurance you may require to keep your business [] ... ... cover options available in a Business Insurance package (sometimes known as a BizPack). It is designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs ...

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Understanding Insurance for Interior Designers

... is where having the right business insurance in place is vital. Let ... ins and outs of how business insurance can protect your interior design ... you have clients visiting your premises or you are meeting them on – site, Public Liability insurance is one of the main types of cover to consider . Running your own business comes with the responsibility ...

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The difference between Public Liability and Professional Indemnity insurance

... the most common types of business insurance, but do you really know ... protect your business. What is Public Liability insurance*? Public ... , shop or any premises  A ny kind of  business that interact s  with customers or the public    Do I need P rofessional Indemnity insurance? Professional Indemnity insurance is an ...

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Insurance for Gift Shops

... Having the right Public Liability insurance will give you peace of mind. Business Insurance* Your customers are important ... . Damage control A gift shop owner rented premises in a quaint free-standing terrace. A ...

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Insurance for Plumber

... which are covered by the policy. Business Insurance Business Insurance* is a package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such ...

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Insurance for Carpenters

... , 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 event occurs (such ...

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Insurance for Land Surveyors

... policy will cover you anywhere in Australia. Business Insurance* Business Insurance can provide cover for your business assets including but not limited to your premises, contents and tools in the event they ...

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Insurance for Professionals

... 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 (such as ...

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Insurance for Manufacturers

... that arise from overseas markets. Business Insurance* Where would your manufacturing business be without its premises, machinery, equipment or stock? Having the right business insurance will ensure you're not ...

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Insurance for Victorian Plumbers

... which are covered by the policy. Business Insurance Business Insurance* is a package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such ...

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Insurance for Electrical Engineers

... riously out of pocket. Think about insuring your business assets with insurance options including cover for your contents, stock and premises to protect against fire, storm, theft, vandalism and ...

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Mind the Gap: Understanding Underinsurance

... , it's something many small business owners can overlook when it ... comes to insuring their business assets and building premises. One of ... – If you own your business premises, s tructures like sheds, decking or outbuildings that make up your business property can be insured under your Building insurance policy. This is sometimes overlooked ...

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Tips for making a Stress-Free Claim

Making an insurance claim can be stressful but ... it is to get your business back up and running as ... ... Relocation - if your premises needs to be repaired, could you afford to relocate and pay rent and the running cost of your business at another location? This is where Business Interruption insurance comes in handy ...

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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 ...

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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 ... ‘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 ...

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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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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 IT Professionals

... your work done? If the answer to any of these questions is yes, you might want to consider Business Insurance for coverage of one or more of building, contents, machinery breakdown, repairs, theft, restoration or even ...

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The business of Business Insurance*

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

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

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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.