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 against ...

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Business Insurance in Bunbury

... , tax audit, employment practices and statutory liability risks. 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 Melton

Business Insurance* 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 (such as fire, ...

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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 occurs ( ...

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Business Insurance in Toowoomba

Business Insurance* 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 Townsville

Business Insurance* 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 (such as ...

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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 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 occurs ( ...

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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 occurs (such ...

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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 fire, storm ...

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Business Insurance in Geelong

Business Insurance* 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 (such as fire ...

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Business Insurance on the Central Coast

Business Insurance* 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 ...

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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 fire, ...

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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 as ...

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Business Insurance in Newcastle

Business Insurance* 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 (such as ...

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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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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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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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Business Insurance

... 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 ...

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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 Interruption

... & what’s notThings to considerBack 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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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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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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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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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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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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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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Insurance for Retailers

... business. Did you Know? Commercial leases often require tenants to maintain Public Liability insurance and Glass insurance ... . Business Insurance can provide cover for: Contents and stock* - this type of insurance provides ...

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Insurance for Butcher Shops

... ? If you are a tenant it is usually a requirement to hold Public Liability insurance and Glass cover before signing ... Business Insurance can be tailored to suit your business needs and can provide cover for: Contents and ...

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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 ... ... 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. If you are a tenanted business owner this type of cover may ...

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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 ... can take ... the calculations and keeping a record of purchases are worth the effort. Need Building or Contents insurance for your small business? The friendly team at BizCover can provide multiple quotes from some of Australia's ...

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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 ... kind of coverage options 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 ...

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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 Allied Health Professionals

... a home-based practice, the Public Liability insurance provided under your Home and Contents insurance may exclude claims relating to your business activities. Business Insurance* Your clients are important, but so are ...

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BizCover SME Insurance Price Index Q2 FY20

... businesses with simple insurance needs are using BizCover for their insurance, while smaller businesses ... this quarter. The BizCover ... . The increase can be attributed to more demand for Business Contents insurance particularly from businesses with an annual turnover greater than $400,000. Cover for contents in the Trades sector saw a big increase of 21 ...

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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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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 ... key thing to be aware of is that your personal insurance may not cover your business liabilities or property. If you work from home, your home and contents insurance policy might not cover all the liabilities related to ...

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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 due ...

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Home Based Business Insurance

... , unfair dismissal and sexual or workplace harassment. Business Insurance* Options include: Contents* Having a home based business means there are certain business assets that you will require to perform your ...

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Insurance for Dog Grooming

... your razor magic from Broome to Brisbane! Business Insurance* Contents* If your dog grooming business operates from a shopfront you will need to consider Contents insurance*. This gives you peace of mind knowing ...

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Do I need Public Liability insurance?

... may automatically assume that everything will be covered under your home and contents insurance, this is not always the case when it comes to operating a home-based business. If you think you are covered under your home ...

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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 ... explained. Business Insurance Business Insurance often comes as a package encompassing a range of different coverage options for you to choose from, with the most common being Building, Contents, Theft, Glass, and ...

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Five Tips for Starting your Home-based Business

... start your own home-based business. The COVID-19 pandemic has ... all walks of life and business experience. If you've ever ... get started. 1. ... *: Covers your business contents or stock if they were damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy. Cyber Liability*: Cyber Liability insurance helps to protect ...

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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 ... ... policies might even be compulsory, for example, Public Liability insurance is often required when you take out a commercial lease; while Contents, Glass and Business Interruption are a smart selection to also include as ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... assets such as their building, contents and When looking for Business Insurance, most small business owners typically worry about covering the major things such as their legal liabilities and top of mind assets such as their building, contents and stock. But did ...

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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 ... of the activity that creates the risk of harm. In the circumstances that the business did not have public liability insurance and are found at fault, the resulting compensation payouts, court fees and legal costs ...

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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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The Other Virus - Making Your Small Business Cybersafe When Working From Home

... s another virus plaguing small business owners working remotely cyber ... -crime. Small business owners and staff need to ... that can damage their ... memory sticks) password protected? 2. Q) If I don't have Cyber Liability insurance, is it too late to get a policy for my business that isoperating remotely? Will there be waiting periods? A) Fortunately, there are no ...

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Stranger Businesses

... share with us their strange business names. Creative, left of centre ... , these businesses are definitely ones that you ... ... back into the uplifting I shape, hence SORIE.” No matter how strange your business name may be, at BizCover we offer a variety of insurance options from Australia's top insurers. Providing cover to over 6,000 types of ...

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What's in it for S(Me)?: Customer loyalty marketing for small businesses

... on a recurring basis. A business may give points, like the ... Qantas Business Rewards program, or other incentives ... ... out more about how Bizcover can reward your small business with Qantas Points, check out our launch offer here. [i] https://marketingvoice.ami.org.au/wp-content/uploads/2019/08/ForLoveorMoney19_EXECSUM_AUS_FINAL.pdf

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Mum's the Word: Wise Words of Advice From Business Savvy Mums

... the pearls of wisdom small business owners have been given by ... Reed-Enever, Co-Founder of Business, Business, Business My Grandmother told me ... are some of the wisest words of advice when it comes to running your own business, as is making sure you have the right business insurances to protect it. We can help, by providing instant and competitive quotes here.

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Insurance for pharmacy and pharmacists

... for theft (without forcible and violent entry) of business contents from or immediately outside the pharmacy premises during business hours. *As with any insurance, cover will be subject to the terms, conditions ...

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Insurance for Gift Shops

... cover, you could be hit with a few unwanted financial challenges that could throw a spanner in the works. Business Insurance cover includes: Contents* - This insurance will cover for loss of or damage to items such as ...

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Insurance for Convenience Stores

... 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, fittings and stock ...

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Insurance for Restaurants

... type of insurance provides cover for your building if it is damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy. Contents* -Covers your business contents or stock if ...

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Insurance for IT Professionals

... for coverage of one or more of building, contents, machinery breakdown, repairs, theft, restoration or even business interruption insurance. Cyber Insurance* Consider the client information or data you may be storing ...

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6 Areas You May Not Have Thought Business Insurance Covers

... s vital to protect your business assets and revenue against ... risks that may impact your business, such as fire, storms, ... accidental damage ... insuring your business you should consider cover to protect the following types of assets: Contents There are ... As with all the other cover options offered through Business Insurance if you make a claim on an underinsured ...

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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 Cafes

... biggest assets. Building insurance will cover for loss and damage to buildings you own as a result of an insured event (such as fire, storm, wind). Contents*- Provides cover for loss of or damage to business and kitchen ...

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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 ... ... 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 business interruptions. This could include ...

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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 ... pay? To help you decide when considering the amount of Business Insurance you need list all of your business assets, including any property that you own, your contents, stock and equipment. Then think about how much it ...

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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 ... to ensure you have the right insurance policy in place to protect your business, these are a few things that ... a hefty financial gap. For example, your business' stock and contents are valued at $100k and you are only ...

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Insurance for Tutors

... result of your negligent business activities. Business Insurance* Your students help bring in your income, but where would you be without your business assets? Contents: covers your business contents if they were damaged ...

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Insurance for Finance & Mortgage Brokers

... 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 business contents, stock, tools ...

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Insurance for Architects

... that could leave you reaching deep into your pockets. 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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Insurance for Furniture Manufacturers

... and you need it most. Some of the types of Business Insurance coverages to consider include: Contents and stock* - Cover for loss of or damage to items such as business equipment, stock, plant and machinery, records and ...

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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 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 are damaged ...

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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 Manufacturers

... not left severely out of pocket if your business is hit with a few unwanted challenges. Important cover for manufacturers can include: Contents and stock* - this type of insurance covers for loss of or damage to items ...

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Insurance for Civil Engineers

... you would be able to function without them? Business Insurance can provide cover for your business assets* including its premises, contents, stock and in the event of business interruptions. Personal Accident and Illness ...

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Insurance for makeup artists

... , 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 Engineers

... * Your clients are important, but so are 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 Registered Migration Agents

... client's property. Business Insurance* Your clients are important, but so are your business assets. Without the ... contents, stock and premises to protect against fire, storm, theft, vandalism and accidental damage. Business ...

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Insurance for Mobile Food Vans

... to assist in the process. Tax Audit Insurance covers a business for specified costs in responding to an official tax audit. Theft* Theft insurance can cover your contents, stock or specified items from theft, attempted ...

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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 ... you need it most. Some of the types of Business Insurance coverages available include: Contents and stock* - Cover for loss of or damage to items such as business equipment, stock, plant and machinery, records and ...

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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 ... funds in the right areas and ultimately increases business. Review your insurance As your business grows and changes, so do your insurance needs. Revisiting your business insurance policies is something for you to do ...

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Survival of the Fittest - How Your Fitness Business Can Adapt

... new ways to keep their businesses running. Take a look at ... ... can be a lot of fun and helps create new content and gain new followers. Have a Q&A session ... to normal, you can control how to protect your business. Ensure your insurance policy is in place, paid-up to date and that ...

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Public Liability Insurance in Adelaide

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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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 ... need.  In the past, the best way to find business insurance was to talk to people in your industry and ask ... wp-content/uploads/2020/07/bizcover-easy.mp4  *BizCover does not compare all general insurers or insurance ...

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Cyber Liability Insurance

... victims in 2018it might be time to bite the bullet and get the right cover for your business.i Cyber Liability insurance* is designed to help protect you from claims and support your profitability in the event of a ...

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Public Liability Insurance in Perth

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Public Liability Insurance in Rockhampton

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Public Liability Insurance in Mandurah

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Public Liability Insurance in Hobart

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Public Liability Insurance in Darwin

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Public Liability Insurance in Brisbane

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Public Liability Insurance in Port Macquarie

... that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and defence costs associated with ...

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Insurance for Cabinet Makers

... to a client's property or even having your tools nicked- all instances which can be protected with the right business insurances in place. At BizCover, in just a few clicks or a call, we can provide quotes from some of ...

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Insurance for Lawn Mowing Services

... can still happen, even on the smallest jobs. That's where Public Liability insurance comes into play, an essential insurance to protect your business for the legal fees and compensation costs if a customer, member of the ...

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Insurance for Project Managers

... Managers need it? Bringing projects to life is your expertise. But when it comes to organising your business insurance, this is one project you can outsource. We can provide multiple quotes from some of Australia's ...

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Insurance for Disability Workers

... 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 incurred by a client as ...

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Insurance for Plasterers

... like all trades it comes with its own risks. Let BizCover do the heavy lifting when it comes to arranging your business insurance, providing competitive quotes online or over the phone in minutes. Did you know? If your ...

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Tax Audit Insurance

... the emotional stress involved, you have to deal with the disruption to your business and costs incurred in responding. Tax Audit Insurance* covers a business for specified costs in the event that it is selected by the ...

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Is your Small Business Summer Proof?

... challenges and risks every small business should be aware of. Complete ... ... 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 cover differs from policy to policy ...

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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.