Goods In Transit Insurance

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Goods in Transit

... not Things to consider Back to Business Insurance Goods in Transit* Goods in Transit covers (subject to a specified limit) loss or damage to goods owned by you which are damaged in transit by road in Australia and caused ...

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Business Insurance

... goods you are responsible for) while in transit in Australia in a vehicle owned or operated by you, caused by an insured event such as collision, fire or theft. Statutory Liability Statutory Liability insurance ...

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What is Business Insurance?

... goods you are responsible for) while in transit in Australia in a vehicle owned or operated by you, caused by an insured event such as collision, fire or theft. Statutory Liability Statutory Liability insurance ...

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Business Insurance FAQs

... ? What is Electronic Equipment cover? What is Goods in Transit cover? What is Product Liability Insurance? What is Product Liability Insurance? Ready to sort out your Business Insurance? Your small business is a big deal ...

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Business Insurance in Townsville

... and sent away my claim, the turn-around time was good and claim approved. Very pleased with service.” Scott M., Gardener How much does business insurance cost? On average, small businesses in Townsville pay $91.55 ...

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Professional Attire Insurance

... like a hobo in a suit? Do you rock a hard 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 ...

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Business Insurance in Melton

... of their customers, suppliers and the community and for their property. “The reception was good with BizCover, that made me reject other Insurance Company offer I was applying for a cover.” Nixon N. Church Operation How ...

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Business Insurance in Launceston

... with for 15 years, who didn't want to know us! So 'good-bye' to them and hello BizCover!” Anne G. Bookkeeper How much does P ublic L iability insurance cost? On average, small businesses in Launceston pay  $ 52.8 **for ...

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Business Insurance the Smart Way

... the Smart Way Compare the best deals across leading insurers No hassle, no paperwork, no delays Use code SMART50 for $50 off Compare quotes from our trusted insurance partners: BizCover is all for small business ...

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How much does Business Insurance cost?

... of 790 and 942 businesses respectively. We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Business Insurance in Parramatta

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

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Business Insurance on the Gold Coast

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

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Business Insurance on the Central Coast

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

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Business Insurance In Wollongong

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

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Business Insurance in bunbury

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

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Business Insurance in Toowoomba

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

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Business Insurance in Newscastle

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

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Business Insurance in Mackay

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

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Business Insurance in Geelong

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

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Business Insurance in Cairns

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

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Business Insurance in Bundaberg

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

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Money Cover*

... it whilst on your premises or in transit. Did you Know? Money in transit generally includes money contained in a night ... benefit - Traveler's money). *As with any insurance, cover will be subject to the terms, conditions ...

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No Dramas

... advice. Our Price Promise With our price promise, we offer to better the price on a quote for comparable insurance cover** so that you can #BizSave on insurance for your small business. Get a quote today, it only takes ...

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Portable Equipment*

... s covered & what’s not Things to consider Back to Business Insurance Portable Equipment* Portal Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment ...

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Business Interruption Cover*

... long it can take to get their business back up and running following a major insured event. Business Interruption insurance should be just one part of your wider disaster recovery plan - a plan that should include both a ...

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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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Theft Cover*

... 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 to have been securely stored before the theft and for there to be evidence of ...

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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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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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Insurance for Furniture Manufacturers

... . Some of the types of Business Insurance coverages to consider include: Contents and ... Transit* - Goods in Transit covers (subject to a specified limit) loss or damage to goods owned by you which are damaged in transit ...

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Insurance for Furniture Manufacturers

... in the policy. Machinery Breakdown* - Machinery breakdown insurance covers the cost to repair or replace specified machinery following a breakdown.  Transit* - Goods in Transit covers (subject to a specified limit) loss ...

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Insurance for Manufacturers

... at the insured location. Building* - this type of insurance will cover for loss and damage to buildings you own, ... to manufacture your products. Transit* - cover your goods whilst they are in transit in a vehicle owned or ...

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Insurance for Retailers

... business insurance. Whether you sell the best gifts in town, the latest fashion, or the most delicious baked goods, ... stolen or damaged whilst on your premises, in transit, or in your personal custody. Business Interruption ...

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Understanding Insurance for Retailers

... no retail business is immune from the risk of a n insurance claim occurring. We know how busy you are, so we've ... damaged whilst i n your business premises, in transit, or in your private residence . Business Interruption* ...

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Insurance for Butcher Shops

... and serving up the best cuts in town, let us look after your Business Insurance . Competitive quotes from leading ... lost or damaged whilst on your premises, in transit or in your personal custody. Machinery Breakdown* - ...

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6 Ways to save money on tradie insurance

... option for your small business. New policies It's often hard to know if you're getting a good deal on insurance, especially if your business is just starting. Knowing what questions to ask and where to find the answers ...

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Insurance for Bakers

...  goods, even in the form of repair or service, you may need cover for negligence claims against you where your product has caused injury, death or damage. Business Insurance Protect the things that help you bake the best ...

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Public Liability Insurance In Brisbane

... cover Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, you ... others. As a result, it’s a good idea to get Public Liability Insurance ahead of time to protect yourself. If you ...

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Business Insurance Melbourne

... a covered claim Compensation for damage of third-party goods not owned by you which are in your care, custody or control Related: Public Liability Insurance Many public liability policies also provide cover for product ...

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Insurance for pharmacy and pharmacists

... 100,000 small businesses Compare quotes from our trusted insurance partners: Why do Pharmacies and Pharmacists need it ... is lost or stolen from your premises or in transit Glass: cover for breakage of internal and external ...

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Public Liability Insurance In Perth

... Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, ... the other quote. Hopefully I will never find out how good the insurance is……” Derek S. Geophysical Consultant H ow much does ...

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Public Liability Insurance In Mandurah

... his assistance and told me he could probably get me a better deal. I told him I was getting some other quotes ... you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Dishing up the facts on food business insurance

... and policy options to choose from. Why do I need insurance for my food business? Whether you are serving up fancy ... , stolen or damaged whilst on your premises, in transit to or from your premises or held within your ...

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Do I need insurance for my market stall?

... with the festive season fast approaching, there's no better time to jump onboard the market stall bandwagon to bring ... you to a wide range of potential risks. Insurance for market stall holders is designed to protect you ...

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Insurance for Convenience Stores

... , contractors and the general public. Public Liability insurance is designed to provide protection for you and ... lost or damaged while on your store's premises, in transit or in your personal custody. Theft* - covers your ...

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Business Insurance Perth

... a covered claim Compensation for damage of third-party goods not owned by you which are in your care, custody or control Related: Public Liability Insurance **Many public liability policies also provide cover for product ...

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Public Liability Insurance In Rockhampton

...  Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, ... sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Public Liability Insurance In Port Macquarie

...  Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, ... sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Public Liability Insurance In Hobart

...  Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, ... sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Public Liability Insurance In Darwin

...  Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, ... sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Public Liability Insurance In Brisbane

...  Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, ... sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Public Liability Insurance In Adelaide

...  Product Liability. If you sell, supply or deliver goods, even in the form of repair or service, ... sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Public Liability Insurance Explained

... Product Liability . If you sell, supply or deliver goods, even in the form of repair or service, ... and lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable for over ...

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Getting the Best Value on Your Business Insurance

... up a savings 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 ...

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How to Kickstart Your Best Year in Business

... to focus on and how you can achieve your best year of business! 1. Staffing Whether your business ... right path when it comes to sorting out your business insurance. A few small changes to your small business can have ...

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Professional Indemnity Insurance for Consultants

... some point you may want to add business insurance or public liability insurance for your own protection. When you buy a Professional Indemnity insurance policy, it usually is a good idea to look around until you find the ...

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Will automation make life better or take my job?

... is merit to both sides, the answer to achieving the best net outcome for businesses and workers may boil down to how ... laggards in the financial services space, the insurance industry is a testament to how customers drive ...

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Introducing Social Media Insurance

... Do you worry about offending online? Are you sometimes unsure of the best hashtag to use? You need #social #media #insurance. Disclaimer: It's come to our attention that some people actually thought we were providing ...

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Insurance for Massage & Alternative Therapies

... (think of that puddle of oil on the floor you forgot to clean up).  Having the right Public Liability insurance gives you peace of mind and financial protection for when your business needs it most. Remember, if you have ...

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Public Liability Insurance QLD

... QLD Over 30,000 Queenslanders happy with our service Best price with our Price Promise Flexible payment options - monthly or annually Compare quotes from our trusted insurance partners: Here's the lowdown on QLD public ...

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Public Liability Insurance QLD

... QLD Over 16,000 Queenslanders happy with our service Best price with our Price Promise Flexible payment options - monthly or annually Compare quotes from our trusted insurance partners: Here's the lowdown on QLD public ...

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Insurance for Nurses

... is no guarantee that you will be given enough protection. Holding your own Professional Indemnity Insurance (PI) policy is the best way to ensure you are fully covered against financial loss for any legal action that ...

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Insurance for Electricians

... can have big consequences, for example, the good old 'putting a foot through the ceiling' can set you back a couple of grand. Professional Indemnity Insurance Protection for electricians that have clients who rely ...

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Understanding business insurance for bookkeepers

... even if you have an eagle eye for errors and do your best to keep their accounts in order, we are all human, and ... if a cyber attack were to occur. Cyber Liability insurance* is designed to help protect you from claims and ...

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The Best Thing Dad Told Me About Business…

... helped him grow his own business, something he thinks is a good rule of thumb for life. The advice? Simple: “ Persistence ... right business insurance in place to protect it. At BizCover, experience insurance made easy with ...

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5 Common Beauty Insurance Claims

... common claims beauty salon owners are likely to experience - and show you just how much having good business insurance coverage can save a small business in these kinds of situations. Disaster strikes Australia is no ...

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Insurance for Restaurants & Cafes

... cost for Restaurant & Cafes Why do Restaurants & Cafes need Insurance? Whether you're serving up the best chai lattes or pizzas in town, business insurance is something every restaurant and café owner needs to consider ...

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Public Liability Insurance NSW

... for unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and your ... of risk, meaning premiums will vary. To get a better insight, we have provided analysis of 10 of the ...

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Professional Indemnity Insurance

... providing your professional service or advice. Here's the lowdown on Professional Indemnity insurance* You're a professional and there is no doubt yo u are good at what you do. However, mistakes happen even with the most ...

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Public Liability Insurance NSW

... of risk, meaning premiums will vary. To get a better insight, we have provided analysis of 10 of the most ... and counting. Built for small business We know insurance and what makes small businesses tick. Clear and ...

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Insurance for Pizza Shops

... the prep area for a personal injury claim to arise. Business Insurance* Protect th e things that help you serve up the best pizzas in town with Business Insurance . Building - Cover for loss and damage to buildings you ...

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Reviews related to Goods In Transit Insurance

  • Bizcover makes professional insurance easy. Good selection of insurance varieties and options. Easy to review, change and renew. Competitive rates.

    Darren J
    Real Estate Agency Service

Business Insurance Coverage

A Business Insurance Pack is a range of Business Insurance products that can provide financial cover for your business, some main types of coverages include:

  • Public Liability insurance
  • Professional Indemnity insurance
  • Business Insurance

 

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

What is typically covered by Business Insurance?

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

Choose cover options below!

What is typically not covered by Business Insurance

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

Industries that may require Business Insurance

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

Get the right type of Business Insurance

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

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

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

 

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

Frequently Asked Questions on Business Insurance

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

Business insurance usually falls into three categories: 

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

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

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

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

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

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

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

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

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

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

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

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

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

 

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

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

These are some examples of the type of home-based businesses we cover: 

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

 

Common types of insurance for home based businesses 

Public Liability* 

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

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

Cyber Liability* 

Consider the outcomes if the client data you have stored was compromised. The impact could be destructive to your business.  Cyber liability insurance is a type of business insurance product, which protects your business against both the legal costs and expenses (including compensation payments) related to cybercrime incidents. Your coverage may generally include cover for expenses and legal costs relating to the following: 

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

 

Personal Accident & Illness* 

Being self-employed, means you need to ensure you have protection for your most important asset, you. This is where Personal Accident and Illness insurance comes into play, especially when you don’t have access to sick leave.  Personal Accident and Illness insurance can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can also include a weekly benefit for loss of income if you are unable to work as a result of an unexpected injury or illness (even if it occurs outside of your employment). 

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

Employment Practices Liability* 

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

Business Insurance* 

Options include (but are not limited to): 

Contents* 

Having a home based business means there are certain business assets that you will require to perform your day job. Contents insurance provides cover for loss of or damage to items such as business equipment, stock, plant and machinery, records and furniture belonging to you at the insured location. 

Portable Equipment* 

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

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

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

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

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

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

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

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

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

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

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

Prefer to talk?

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

1300 249 268

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

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