What is Business Insurance?

... , theft and accidental damage of office equipment, such as chairs, desks and computers. Public Liability Insurance which covers your business against the legal costs of a claim for injury or damage to the property of ...

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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 on the Gold Coast

... accidental damage). A Business Insurance package can also ... business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability ...

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Business Insurance in Bundaberg

... involved.” Gemma C. Mobile Food Van Operator How much does Business insurance cost? On average, small businesses in Bundaberg pay around $60.51** a month for a Business insurance policy. Business insurance is one of the ...

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Business Insurance in Newcastle

... in Newcastle pay around $71.06** per month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Newcastle. In fact, it is arguably important for ...

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Business Insurance in Bunbury

... specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. Business Insurance is an insurance package designed to provide cover for your ...

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Business Insurance

... 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 ...

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Business Insurance in Melton

... N. Church Operation How much does Public Liability insurance cost? On average, small businesses in Melton pay $79.55** a month for their business insurance package. Business insurance is one of the most popular types of ...

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Business Insurance in Wollongong

... industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several factors including: The type and nature of your business Your business turnover and size The ...

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Business Insurance in Launceston

... !” Anne G. Bookkeeper How much does Public Liability insurance cost? On average, small businesses in Launceston pay $52.8 **for their business insurance packs. Business insurance is one of the most popular types of ...

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Business Insurance in Mackay

... . Commercial Cleaner How much does Public Liability insurance cost? On average, small businesses in Mackay pay around $68.55** per month for their business insurance package. Business insurance is one of the most popular ...

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Business Insurance on the Central Coast

... Central Coast pay around $68.66 a month**for a Business insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is arguably important for almost every kind ...

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Business Insurance in Parramatta

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

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Business Insurance in Toowoomba

... in Toowoomba pay $60.97** per month for their business insurance packages. Business insurance is one of the most popular types of insurance for small businesses in Toowoomba. In fact, it is arguably important for ...

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Business Insurance in Townsville

... Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment ...

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Business Insurance in Cairns

... in Cairns pay around $73.93** a month for a Business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Cairns. In fact, it is arguably important for almost ...

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Business Insurance in Geelong

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

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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 prevent ... the broken freezer, investing in a backup generator. Liability Claims Another common claim seen all too often is ...

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How much does Business Insurance cost?

... customers Most popular cover options taken out by food businesses Like retailers, Public Liability insurance is the most popular cover options taken out by 96% of food businesses, as this is one of the highest risk ...

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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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Employment Practices Liability

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

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Statutory Liability

What’s covered & what’s notThings to considerBack to Business Insurance Statutory Liability* Statutory Liability insurance covers the company, senior management and employees for allegations of wrongful breaches of key ...

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Business Interruption

... s story on how a violent storm swept through her Sydney hair salon, Blondies, in 2017. Business Interruption insurance helped saved her business by maintaining her cash flow while they were closed for repairs. ← Back to ...

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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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Portable Equipment

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

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Machinery Breakdown

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

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Money

What’s covered & what’s notThings to considerBack to Business Insurance Money Cover* Money insurance protects your business money (which will include not only cash and cheques, but also items such as lottery tickets, ...

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Theft

... s notThings to considerBack to Business Insurance Theft Cover* This option can cover your contents and stock from theft, attempted theft or armed hold up. It is not uncommon for theft insurance to require the item stolen ...

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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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Home Based Business Insurance

... shops Photographer Writers Web developer 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 ...

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Dishing up the facts on food business insurance

... fast-paced world of the food industry leaves no spare time ... the right business insurance. When it comes to insuring your small food business ... business insurance plan. What types of insurance should food businesses consider? Public Liability Insurance Dishing up food ... of groceries! Public Liability insurance is designed to protect your business against such ...

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Business Insurance Guide for the Self-Employed - Part 1

... plans for success. Any solid business plan should have a focus ... strategies and protection for your business for the long haul. From ... , there ... understanding some of the main types of business insurances on the market. Starting with Public Liability insurance. What is Public Liability Insurance? Public Liability insurance provides protection* for  you and your ...

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Business Insurance Guide for the Self-Employed - Part 4

... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share the ... In the final piece of our Business Insurance for the self-employed guide, we take a look at Personal Accident and Illness insurance and Cyber Liability insurance. We share the ins and outs of why self-employed workers ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... things such as their legal liabilities and top ... about your employees or clients you're an exceptionally prime target. Cyber Liability insurance is a 'must have' policy for all kinds of businesses that have an online presence. And although it won't prevent ransomware ...

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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 ... of the more common types of cover include public liability, professional indemnity, cyber liability, business interruption and tax audit insurance. In many cases, businesses will need to mix and match different types of ...

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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 ... more out of your current policy. Your personal insurance doesn't cover your business A key thing to be aware of is that your personal insurance may not cover your business liabilities or property. If you work from home ...

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Small Business Insurance Index

... strong price increases in the business insurance market, SMEs are continuing to ... in the cost of business insurance, the BizCover SME Insurance ... of business insurance, the BizCover SME Insurance Price Index shows that overall pricing for SME insurance has ... Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance over ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... Quarterly BizCover Small Business Insurance Price Index has shown insurance ... latest Quarterly BizCover Small Business Insurance Price Index has shown insurance rates dropping back two ... professional sector, primarily around Public Liability and Business Packs (predominately covering perils and ...

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

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of ... , the first increase seen in 10 quarters. This brings the insurance rates back to the same level as Q4 2013/14 (6 ... the non professional sector with Public Liability and Business Packs (predominately covering perils and ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... 've created a guide to business insurance for the self-employed that ... and ... make it a bit easier. We've created a guide to business insurance for the self-employed that profiles the main types of cover to ... include: Intentional damage   Contractual liabilities   Your professional fees   Known ...

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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 ... Business Insurance and the main kind of coverage options to consider. What is Business Insurance? Business Insurance* is an insurance ... youtu.be/VmP6PphhC8s Contents* Covers your business contents or stock if they were ...

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iSelect partners with BizCover to launch business insurance comparison

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

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The Easter Bunny's Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... a Business Insurance pack ... food safety authority or an OH&S board, and found to have broken their regulations, Statutory Liability (which is usually part of a Management Liability policy) can cover him and his business ...

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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 ... solutions to protect your business. You can tailor a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially ...

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5 Reasons To Review Your Business Insurance This Christmas

... stressful!) time for many small businesses. Come December the big Christmas ... ... to ensure you have enough financial protection to keep your business safe over the festive season. 1. Increase in foot ... Now's the time to make sure you have Public Liability insurance, and if you do have it, ensuring you ...

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Getting the Best Value on Your Business Insurance

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

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Insurance for Cafes

... of limits of cover is available through BizCover, between $5 million and $20 million. Insurance for Cafes Public Liability Insurance* Your business deals with members of the public every day from customers dining at your ...

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A Guide to PI Insurance

... is to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity). ... Professional ... in under 2 minutes, and purchase in only a couple more. BizCover also allows business professionals to compare policies from leading insurance providers (AIG, Dual and Vero) to make sure that you're getting the cover ...

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Insurance for Gift Shops

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

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Insurance for Carpenters

... is selling products to the public then you may need to consider Product Liability insurance*. It protects your business against claims by third parties relating to property damage or personal injury caused by your ...

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Insurance for Real Estate Agents

... , tax audit, employment practices and statutory liability risks. If any of the following circumstances relates to your business then you should consider Business Insurance to help ensure you are adequately protected ...

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Insurance for martial art teachers

... - whether in a dojo or somewhere else. Either way, Public Liability insurance is important for martial arts trainers by providing protection for you and your business in the event a student, supplier or a member of the ...

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Protecting your Business from Cyber Risks - Part 1

... and infiltrate most types of businesses. In Part 1 of our ... ... today through BizCover. We offer a range of business insurance options to suit your business needs, including Cyber Liability insurance*. Cyber Liability insurance * is designed to help protect you from claims and ...

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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 . ... “must have” insurance: Public Liability– protects against legal and court costs in the event that someone is injured, or has their property damaged while you are providing a service to them. Every business should have PL ...

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Professional Indemnity Insurance for Civil Engineers

... Professional Indemnity insurance to protect* you and your business from [] ... ... to insuring civil engineers, there's no one size fits all insurance solution because every business is different and no two businesses are the same. Each business has its own unique needs which depend on a variety of ...

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How to Kickstart Your Best Year in Business

... great time to get your business ready for a successful year ... ... away. They can help put you on the right path when it comes to sorting out your business insurance. A few small changes to your small business can have a big impact. It's all about working smarter, not harder, so go on ...

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Additional Cover for Professional Indemnity Insurance

... certificates of insurance - it's just part of the business. Hish ... Mines, a busy IT consulting business providing information management ... indemnity, but also with the additional cover option of public liability. Hish says his clients expect his business to be covered by professional indemnity insurance to ensure there is cover in place in the case of ...

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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 ... consider insuring your assets, your revenue, and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based businesses. It covers you and your employees for ...

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Insurance for Furniture Manufacturers

... you run your own business, there is a lot ... wrong. This is where business insurance comes into play and should ... business' risk management ... feel overwhelming at times, with many types of cover available in the insurance marketplace. From Public Liability cover to a variety of business insurances, in this article we explain some of the key things furniture ...

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Public Liability Insurance for Cabinet Makers

... up your tools. Protecting your business against unplanned challenges, like an ... with the right kind of business insurances in place. Regardless ... cover required. What can happen if your business is left uninsured? Public Liability insurance is a common type of business insurance that different kinds of businesses take out as protection. Operating as an uninsured ...

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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 ... ... types of risks. Public Liability insurance Civil Engineers should also consider Public Liability insurance. Public Liability insurance is designed to provide protection* for you and your business in the event a client ...

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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 ... due to an accident or illness? 2. What types of insurance do I need? Now that you have a fair idea of ... the key areas of cover available to businesses. Public Liability insurance covers against the legal costs for claims ...

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Protecting your Business from Cyber Risks - Part 2

... your business from a cyberattack. We also explain what Cyber Liability insurance ... it as part of your business security plan. Tips to stay In Part 2 of our cyber risk series, we take a look at what steps you can take to protect your business from a cyber–attack. We also explain what Cyber Liability insurance is and why you should consider it as part of your ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... down the price ... and those with capital chasing returns in insurance.” The Professional Indemnity rates reduced the ... lower than the base value only 3 years ago. Public Liability /Business Packs have not enjoyed as much of a drop in ...

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Insurance Premiums for Retailers Continue to Climb

... Climb The latest BizCover Small Business Insurance Price Index has been released ... showing an increase in small business insurance rates, with ... universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 2nd Quarter) There was no change in the Professional Indemnity sector, but the index for Public Liability and Business Packs increased 4 points ...

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Steady as she goes - still no increases in Insurance Premiums!

... that the market for small business insurance continues to benefit from stability ... in insurance prices, with little movement in ... of the few ... by continued competition, as well as capacity in the market. This has been the case across all insurance classes for small business, all of them seeing little change over the quarter, once again. As forecast in the last ...

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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 ... decline that began 12 months ago. 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 ...

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Michael Gottlieb Featured on the Insurance Business Hotlist for 2014

... successful in taking out the Insurance Business Brokerage of the Year award ... ... is on top of the broking world, and not just because his Mega Capital business was successful in taking out the Insurance Business Brokerage of the Year award and featured in the Deloitte Technology Fast 50 Australia ...

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How Does Professional Indemnity Insurance Benefit You?

... advisable that you have professional insurance, which can also be referred ... to as professional indemnity insurance. Professionals are expected ... lawsuits, which can be filed against them by their clients. It is advisable that you have general business insurance in order to protect you from financial losses caused by property damage or bodily injury. In addition ...

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A $2,000 Wish for Your Small Business

Ask any small business owner about the most difficult ... aspect of running a business and you'll most likely ... venturing down the path of business ... wish can be invoiced it's eligible. Any small business owner or employee can make a wish for their business, and they need not be a policy holder with BizCover's insurance service. “So much of BizCover's success is due ...

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Small Business Continues to Win on Insurance Prices!

... , prices remain flat for small business. Recent financial results from the ... increase; however the BizCover Small Business Insurance Price Index ... move prices and they have remain flat over the quarter (Graph 1). A win for small businesses! Prices across all insurance classes were stable across the quarter, and this was reflected across most industries as well. The ...

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6 Considerations Before Starting a Business

Starting a business is tough, but can be ... insurance comparison website gives his advice to help give your fledgling business ... ... rewarding. Michael Gottlieb, founder of BizCover, a market leading commercial insurance comparison website gives his advice to help give your fledgling business the best chance of success. Be famous! Create a niche ...

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Insurance for Mobile Food Vans

... on the go, exposing your business to a number of Public Liability risks. Public Liability insurance is important for mobile food van businesses, providing protection for you and your business in the event a customer ...

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Insurance for Restaurants & Cafes

... and cafe business is 10 million dollars. Insurance for Restaurants & Cafes Public Liability There is ... breakdown - if you depend on your fridges to keep food fresh you will want to ensure you have cover for them ...

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Insurance for Marketing Consultants

... stock or event an interruption to your business. A business insurance package can even include tax audit, statutory liability or employment practices insurance cover. Cyber Liability* Consider the client data or personal ...

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Insurance for Restaurants

... protecting your business with Public Liability insurance. Public Liability insurance is designed ... of your negligent business activities. Personal injury claims could arise from a waiter dropping hot food on a customer, ...

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BizCover SME Insurance Price Index Q1 FY20

... price reductions on their Public Liability insurance, while prices have remained steady ... 1.6 percent[1], with food inflation at its highest in ... food inflation at its highest in five years and transport costs increasing steadily. The increase did not affect the cost of insurance for small businesses ... price of their Public Liability insurance for the most recent ...

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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 ... of protecting your business and your customers with Public Liability insurance ... business and your customers with Public Liability insurance. ... business, and some businesses carry a much higher risk than others. For example, a restaurant with customers dining on the premises (ah, did somebody say 'food ...

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Public Liability Insurance in Perth

... in Perth pay $33.80**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important for almost ...

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Public Liability Insurance in Adelaide

... in Adelaide pay around $37.50**per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important for ...

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Insurance for Handymen

... client's DIY problems; we'll help your liability problems with business insurance. At BizCover, a few clicks or one ... bills and putting food on the table without having to worry. *As with any insurance, cover will be ...

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Insurance for Personal Trainers

... are covered by the policy. Public Liability Insurance* Public Liability insurance is important to keep your business fighting fit.  In fact, it's likely that Public Liability insurance is required if you operate as a ...

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Insurance for Bakers

... occur in a bakery which makes Public Liability an important type of insurance to consider. Public Liability insurance is designed to provide protection for you and your bakery business in the event a customer, supplier ...

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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 ... impact some common situations would have on your business. Food For Thought… The insurable risk that most ... your Public Liability insurance. Similarly, take into account any changes in nature to your business. If you ...

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Insurance for Pizza Shops

... : The average level of cover our customers take for their restaurant business is 10 million dollars*. Insurance for Pizza Shops Public Liability Insurance** A pizza shop is an environment where accidents can easily ...

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Insurance for Cabinet Makers

... business. As a cabinet maker, one of the first insurances you may need to consider is Public Liability insurance. Public Liability insurance ... the finances to pay the bills and put food on the table without having to worry. ...

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Insurance for Convenience Stores

... to settle. Fortunately, Public Liability insurance can provide you and your business peace of mind when you need it most. Business Insurance* You rely on your business assets to drive business through your store, so ...

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Triumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'

... .com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte ... her new personal fitness training business, focused on seniors, and ... to-do things like lift groceries and walk up and down ... businesses buy Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance ...

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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.