Compare Trade Insurance

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Business Insurance

... Australian Businesses Compare quotes from our trusted insurance partners: Compare quotes from our trusted insurance partners*: What ... of trade and items of stock. Machinery Breakdown Machinery breakdown insurance covers ...

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Business Insurance in Townsville

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What is Business Insurance?

... equipment associated with your business. These can include tools of trade and items of stock. Machinery Breakdown Machinery breakdown insurance covers the cost to repair or replace specified machinery following a ...

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Business Insurance on the Gold Coast

... Compare quotes from our trusted insurance partners: Business insurance* for Gold Coast Small Businesses Business Insurance is an insurance ... % of the population, followed by Retail trade, which employs 11.3% of the ...

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Business Insurance on the Central Coast

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Business Insurance in Toowoomba

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Business Insurance in Newscastle

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Business Insurance in Melton

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Business Insurance in Launceston

... % of the population. This is followed by Retail Trade, which employs 12.3% of the population, and ... for their property. “Friendly and happy service compared to another Insurance Company that we had been with for 15 years ...

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Business Insurance in Cairns

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Business Insurance in Bundaberg

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Business Insurance in Bunbury

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Business Insurance In Wollongong

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Business Insurance in Geelong

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Theft Cover*

... or armed hold up. It is not uncommon for theft insurance to require the item stolen to have been securely stored before ... burglary ^ What's typically covered? Stock in trade Patterns, models, moulds and designs stated on ...

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Portable Equipment*

... Equipment* 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 ...

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No Dramas

... . Get a quote today, it only takes a few minutes. Just like this small trades business, you too can save big on your business insurance. With our price promise we can help you #BizSave on a policy that protects your ...

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How much does Business Insurance cost?

... to those required by a sole-trader business operating within the professional services industry ... sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important ...

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Business Insurance in Parramatta

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

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Business Insurance in Mackay

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

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Money Cover*

... the money until the time your financial provider ceases trading the following day. What's typically covered? ... benefit - Traveler's money). *As with any insurance, cover will be subject to the terms, conditions and ...

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Business Interruption Cover*

... an additional cover option available when you take out a Business Insurance policy. Did you Know? When a catastrophe occurs it can be the interference to trading capabilities, and not the event itself, that has the real ...

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Business Insurance the Smart Way

... use the code SMART50 and a dedicated point of contact to help you with any insurance questions you might have. BizCover works for you by: Compare multiple providers and buy your policy online in just a few minutes - no ...

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Business Insurance FAQs

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Machinery Breakdown*

... which requires repair or replacement. There are a number of types of breakdown which are not covered by an insurance policy such as those related to wear, tear and gradual deterioration or a lack of service or repair ...

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Statutory Liability*

... those set out in the policy wording) Prior or pending claims Property damage Criminal offences *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

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Goods in Transit

... or gas in bulk Livestock Cigarettes, tobacco, wines, spirits or other alcoholic beverages unless shown on your insurance certificate Things to consider Are you in the business of buying and selling items? If so, is it ...

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Employment Practices Liability

... and dishonesty Property damage Prior or pending claims - claim arising before the period of insurance *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording ...

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Earthmoving and Excavators Insurance

... and contents Tools of the trade Business equipment Keep reading to learn more about the insurance options available for earthmovers and excavators and how to quickly and easily compare policies for your small business ...

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A guide to choosing the right trade business

... working on site with others Sort out your insurance Another thing you will need to think about once you decide with which trade you want to work in is your business insurance. Regardless if you decide to become a sparky ...

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How to get a NSW trade licence

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5 ways to get more work for your trade business

... * may help you secure more work for your trade business. At BizCover we help tradie small business owners compare competitive trade business insurance quotes from leading insurers online fast, enabling you to get ...

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Top 6 skills every carpenter in the trade needs

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Insurance for Tradesmen

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Insurance for Fencing Contractors

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7 reasons why carpentry is a great trade

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How much does Public Liability Insurance Cost?

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Insurance for Car Wash and Auto Detailers

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Insurance for Landscapers

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Understanding Insurance for Interior Designers

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Understanding Insurance for Graphic Designers

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Why Aussie tradies may need business insurance

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Sole Trader Insurance

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Sole trader insurance myths, debunked

... uncover the truths that will empower you to confidently protect your business. Myth 1 – Sole traders are too small for business insurance As a sole trader, you might think, “I’m just one person, do I really need business ...

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How to become a successful sole trader

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6 ways to save money on tradie insurance

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Business Insurance Perth

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Business Insurance Melbourne

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Insurance for Cleaners

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5 tips for an insurance health check

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Managing Risk and Liability as a Sole Trader

... process is protecting your sole trader business by securing your sole trader insurance*. Visit the dedicated sole trader insurance section of the BizCover website to compare business insurance quotes for your business ...

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Winning your first clients as a sole trader

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Insurance for Flooring Installler

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Insurance for Carpenters

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Insurance for Gardeners

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Does a sole trader need an ABN?

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Why do welders need insurance?

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Public Liability Insurance WA

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Public Liability Insurance NSW

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Public Liability Insurance QLD

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Public Liability Insurance NSW

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Insurance for Makeup Artists

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Insurance for Electricians

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A tradies guide to budgeting

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Tips for women tradies to stay ahead in 2024

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9 great reasons to become a certified tradie

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How to become a good and qualified tradie

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Self-Employed Tradies Checklist Guide 2024

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Business Insurance Coverage

When looking for cover for your business there are a range of business insurance products that can provide financial cover for your business, some main types of coverages include:

  • Public Liability insurance
  • Professional Indemnity insurance
  • Business Insurance

 

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

What is typically covered by Business Insurance?

A) Material damage loss for your physical assets
B) Financial loss due to Business Interruption

What is typically not covered by Business Insurance

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

Industries that may require Business Insurance

Across Australia there are many different types of small businesses that help the economy going, from personal trainers to IT wizards, coffee shop owners, cleaners and the trusty tradies. While your day to day operations as a business may be different, there is always an element of risk when your run your own business. This is a snap shop of some of the typical type of businesses that may require business insurance.

Get the right type of Business Insurance

Your business may be considered ‘small’ but it’s big to you and big to us. That’s why we want to make sure you have the right protection. We offer various cover options to suit a variety of businesses.

For some types of businesses, business insurance may be a requirement, for example:

  • You may need to have your own Public Liability insurance sorted before you step onto a construction site
  • If you work on contracts you may be required to have a minimum level of Professional Indemnity insurance in place
  • If you are renting your business premises, your landlord may require you to have your own Public Liability and in some instances Glass cover sorted

 

Take a few minutes to consider some of the following risk areas and think about which ones impact you and how much cover your business would need should things not quite go to plan.

Frequently Asked Questions on Business Insurance

Business Insurance provides you with protection if your business  assets or premises are damagedstolen or if you sustain financial loss due to  an insured interruption to your business.  

Business insurance usually falls into three categories: 

a) Material damage loss for your physical assets
b) Financial loss due to business interruption
c)Personal injury/property damage claims against you

When it comes to small business insurance, there are multiple coverage options to select from. Each type of cover is designed to protect against different risks that your business may be exposed to. Some of small business Insurance coverage options include:

Building Insurance* which  covers you for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind). 

General Property Insurance* which covers against theft and accidental damage of equipment, such as tools, laptops and mobile phones, while you are away from your office. 

Office Contents Insurance* which covers you against burglary, theft and accidental damage of office equipment such as chairs, desks and computers. 

Public Liability Insurance* which covers you if a third-party claim that your negligent business activities caused them injury or property damage. This includes defence costs cover. 

Glass Insurance* which covers you for damage to internal and external glass, mirrors, porcelain and signage at your business premises. 

Tax Audit Insurance* which covers fees of any accountants engaged in connection with an audit by the Australian Taxation Office. 

Business Interruption* which covers you  for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). 

Business Insurance is a packaged solution designed to protect your business from property, business and liability risks. There are different coverage options available under a Business Insurance pack, sometimes referred to as a Biz Pack. 

The great thing about small business insurance is that you can select the type of coverage that is tailored to the needs of your  business. Different businesses require their own unique forms of cover to protect them from the unique risks of their industry.  For example, the types of risks a restaurant owner faces will be different to  a dog groomer. 

common question SME operators ask is, “How much does Business Insurance cost?”. Unfortunately, there’s no  one-price fits all answer. Some of the factors that can influence the cost of a Business Insurance policy include: 

  • the type of cover and cover options taken 
  • the nature of your business 
  • the value of the property insured 
  • where your business is located 
  • the number of employees you have 
  • your  annual turn over 
  • claims history 

 

Have a chat to our BizCover sales team about the different kinds of Business Insurance we have available from some of Australia’s leading insurers to get an accurate cost of your Business Insurance policy.  

Just because you’re working from home doesn’t mean things can’t go wrong. Every occupation and workplace comes with its own level of risk, and insurance could help you manage the financial fallout if things don’t go to plan.

These are a few of the home-based businesses we cover:

  • Administrative support services
  • Answering & reception services
  • Beautician
  • Consultants
  • Dog walking
  • Dog grooming
  • Graphic designer
  • Hairdresser
  • Online shops
  • Photographer
  • Writers
  • Web developer

There are many types of insurance that home-based businesses consider, such as:

Public Liability*

Do you have clients visit your home-based office? Do you visit them in their office or off-site locations? You may want protection in place should you accidentally cause injury or damage to their personal property.

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities.

Cyber Liability*

Working from home may make you a desirable target for cybercrime. The Australian Cyber Security Centre estimates that up to 200,000 Australian small office and home office routers may be vulnerable to compromise1. If your systems were attacked, the impact could be destructive to your business.

Cyber Liability insurance covers losses from claims arising from data breaches, business interruption and remediation costs following an actual or threatened data breach.

Your coverage may include cover for expenses and legal costs relating to the following:

  • Data breaches
  • Theft or loss of client information
  • Business interruption costs
  • Forensic investigation
  • Data recovery
  • Extortion
  • Fines and penalties
  • Crisis management costs (to restore your business reputation after an attack or data breach)
  • Legal costs from any ensuing civil action taken against you or your company

ASD’s ACSC Annual Cyber Threat Report, July 2021 to June 2022

Personal Accident & Illness*

Being self-employed, you may want to consider protection for your most important asset—you. This is where Personal Accident and Illness insurance comes into play, especially when you don’t have access to sick leave.

Personal Accident and Illness insurance can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can also include a weekly benefit for loss of income if you are unable to work as a result of an unexpected injury or illness (even if it occurs outside of your employment).

Business Insurance Pack*

Looking for cover for your business contents, tools and equipment? What about protection to help you manage unplanned business interruptions, tax audits, or other risks associated with running your business?

You may want to consider a Business Insurance Pack, a customisable insurance package designed to help you cover the events above (and sometimes more) when an insured event occurs (such as fire, storm, theft or even accidental damage).

Options available through most Business Insurance Packs include (but are not limited to):

Contents*

Your home office may be full of business assets required to perform your job, like equipment, stock, and furniture. Even though these items are technically kept in your home, they may not be covered by your personal home & contents policy.

Contents insurance provides cover for loss of or damage to items such as business equipment, stock, plant and machinery, records and furniture belonging to you at the insured location.

Portable Equipment*

Running a home-based business doesn’t mean you’re always at home. If you are on the road and need items like your laptop, tools and equipment to perform your profession, you might consider protecting them with Portable Equipment cover.

Portal Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock.

Business Interruption*

Anything can happen when you’re running a small business. If unplanned events force a temporary shutdown, Business Interruption cover could help you keep things going.

Business interruption provides cover for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). It’s designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).

Tax Audit*

A call from the ATO is enough to frighten many home-based business owners, and a tax audit is even scarier! You might want to consider cover to help you manage the costs of a business audit.

Tax Audit Insurance covers a business for specified costs in the event that it is selected by the Australian Tax Office for auditing. The policy offers coverage for the costs of accountants and other nominated professional fees incurred in the course of an audit.

Public Liability and Professional Indemnity insurance are two fundamental forms of cover that both protect against very different risks. The main difference is the type of duty of care that each cover seeks to provide protection for. 

Public Liability insurance* is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities. 

It also provides protection for legal and defence costs associated with a covered claim. 

Professional Indemnity (PI) insurance* provides protection for businesses that provide specialist services or professional advice.  It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.  

Product Liability insurance* commonly forms part of a Public Liability insurance policy, providing protection for your business against claims by third parties relating to property damage or personal injury caused by your products.  

The term ‘Product’ is typically defined as anything that has been manufactured, constructed, erected, assembled, installed, grown, extracted, produced, processed, treated, altered, modified, repaired, serviced, bottled, labelled, handled, sold, supplied, re-supplied, distributed, imported or exported by you, or on your behalf.  

Product Liability insurance is designed to support you when your products cause a third party to sustain personal injury or property damage.  Product Liability insurance is intended to cover  compensation payable to a third party and your defence costs (these are the reasonable costs incurred while investigating and defending a covered claim including legal fees, experts fees and court costs).  

Product Liability insurance is there to help you from the moment an allegation of negligence relating to your product is made.   

Always check the limit of cover offered by your policy and any exclusions or geographical limitations.  

Prefer to talk?

Call us and talk to a real person.
Friendly, helpful service from a business insurance professional.

1300 249 268

Mon-Fri 8.30am-7.00pm
Sat 9.00am-5.00pm

*  This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.