Business Premises Insurance

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What is Business Insurance?

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

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Business Interruption Cover*

... ’s covered & what’s not Things to consider Back to Business Insurance Most small business owners like to prepare for unexpected events by insuring their premises, contents or stock. But have you thought about what would ...

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Business Insurance

... types of coverages include: Public Liability insurance Professional Indemnity insurance Business Insurance These types of business insurance can provide cover for your business premises and contents, against loss, damage ...

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How much does Business Insurance cost?

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

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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

... the types of coverage options available include: Building*- if you own your business premises, then Building insurance is a type of coverage to Building Insurance covers your building if it is damaged by an insured event ...

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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 (such ...

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Business Insurance on the Gold Coast

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

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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 (such as ...

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Business Insurance In Wollongong

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

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Business Insurance in Townsville

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

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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 (such ...

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Business Insurance in Parramatta

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

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Business Insurance in Newscastle

... our trusted insurance partners: Business I nsurance * for Newcastle businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an ...

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Business Insurance in Melton

... our trusted insurance partners: Business I nsurance * for Melton businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an ...

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Business Insurance in Mackay

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Business Insurance in Launceston

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

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Business Insurance in Geelong

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Business Insurance in Cairns

... from our trusted insurance partners: Business Insurance* for Cairns businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an ...

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Business Insurance in Bundaberg

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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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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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Professional Attire Insurance

... insure you never look bad again. Cover for split pants, tears and even skid marks. Compare quotes from our trusted insurance partners: Do you normally make Frank Sinatra look like a hobo in a suit? Do you rock a hard hat ...

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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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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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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 transit by road ...

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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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Dishing up the facts on food business insurance

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Insurance for Convenience Stores

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Public Liability Insurance VIC PPC

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Insurance for Hair & Beauty Services

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Business Insurance Perth

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How to start your own accountancy business

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Why do some small businesses fail?

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How to set up a business

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Understanding Insurance for Physiotherapists

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Insurance for Civil Engineers

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Insurance for Sole Traders and Self Employed

... 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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Top money saving tips for your salon business

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Do I need Public Liability insurance?

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How much does Business Insurance cost? OLD

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

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Insurance for Electricians

... those who work as electrical contractors. If you have business premises where people visit, you may want to protect your business furniture/stock etc. with Contents insurance. If you own the building, then Building cover ...

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Understanding Insurance for Retailers

... business 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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Public Liability Insurance Explained

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Insurance for Tradesmen

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Management Liability Insurance

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What does Public Liability Insurance cover?

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Insurance for Martial Art Teachers

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Insurance for Bakers

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How to make your small business more sustainable

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7 Ways to Spring Clean Your Business

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How to start your own beauty business

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5 Surprising Things Business Insurance Can Cover

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Insurance for Psychologists

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Understanding Insurance for Graphic Designers

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Insurance for Furniture Manufacturers

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How to start a plumbing business

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Insurance for Tutors

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Insurance for Pet Professionals

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The Risks of Growing Your Small Business

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Insurance for Landscapers

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Insurance for Retailers

... your 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 Restaurants

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Insurance for Accountants

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Insurance for Tutors

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Business Insurance Coverage

A Business Insurance Pack is 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

 

These types of business insurance 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

Choose cover options below!

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.  

While your office space may not the typical set up, just because you are working from home doesn’t mean that things can’t go wrong. Regardless of the type of work you are doing from marketing to managing an online store, different occupations each come with their own level of risks. 

These are some examples of the type of 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 

 

Common types of insurance for home based businesses 

Public Liability* 

One of the basic insurances to consider is Public Liability insurance. 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. 

If you have clients visit your home based office or you visit them off site do you have protection in place if you were to accidently cause injury to them or damage to their personal property? 

Cyber Liability* 

Consider the outcomes if the client data you have stored was compromised. The impact could be destructive 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 compensation payments) related to cybercrime incidents. Your coverage may generally 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 businesses reputation after an attack or data breach) 
  • Legal costs from any ensuing civil action taken against you or your company 

 

Personal Accident & Illness* 

Being self-employed, means you need to ensure you have 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). 

If you have purchased sickness/illness cover as part of your personal accident insurance you may be able to claim if you are diagnosed with COVID-19 and that diagnosis results in you being unable to work. Your cover will need to have been in place before you contracted the disease.  

Employment Practices Liability* 

Employment Practices Liability (EPL) Insurance is designed to help employers minimise the risk and potential cost of claims taken against them by employees. Covered claims may relate to allegations of discrimination, unfair dismissal and sexual or workplace harassment. 

Business Insurance* 

Options include (but are not limited to): 

Contents* 

Having a home based business means there are certain business assets that you will require to perform your day job. 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* 

If you are on the road and need items like your laptop, tools and equipment to perform your profession, then consider protecting your items 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. 

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.