5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... ... businesses, including manufacturing, hospitality, printing companies and laundry services, just to ... an unforeseen event. Business Interruption insurance is designed to compensate you ...

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Business Insurance the Smart Way

... occupations. BizCover instantly provides multiple insurance quotes online and you can ... jargon. We're offering all Smart Company readers an exclusive discount of ...

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Small Business Insurance: Why you might want to ensure you're covered!

Running a business can be rewarding, challenging but also stressful. While you will are taking control of your earning potential and the upside can be great, there are ... need for adequate insurance for your business . Is insurance mandatory for your ... audit cover is a cleaning company who was approached by the ...

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Protect your business with Statutory Liability Cover

... are many different types of insurance policies available to small businesses ... are unaware that there is insurance designed to protect against ... Liability option* to your Business Insurance policy can help cover: Monetary ... prosecution against the insured company. The company faced a fine for breaches ...

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Customer Spotlight: Cheaper Buy The Dozen

... started the online wine delivery company Cheaper Buy The Dozen. In ... the top major online wine companies in Australia. "We now ... ... started the online wine delivery company Cheaper Buy The Dozen. In ... of a comprehensive and robust insurance plan for his business. “I ...

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Despite Insurers Talk, Premiums Won't Walk

... Talk, Premiums Won't Walk… SME Insurance Premiums Stay Flat Over the ... quarters the BizCover Small Business Insurance Price Index (Graph ... increased premiums for property related insurance which is more commonly bought ... Directors and Officers for listed companies. Other than these 3 areas ...

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Challenges of the Furniture Manufacturing Industry

Modern furniture design Furniture design isn't exactly easy. Furniture designing is an artistic niche that caters to both the functionality, as well as the visual appeal ... insurance coverage to give you peace of mind and protect your company. ... Large furniture companies can make it difficult ...

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Progressive Distillery in Hobart Tasmania, defeats hundreds of others Small Businesses Nationwide to become the latest winner of BizCover's $2000 grant, BizGiver.

Deviant Distillery, a high tech distillery in Hobart Tasmania, is doing something no one has even though of before. They've developed their own propriety technology that ... the environment is minimised. The company has been in Business for ... Australia's first online Small Business Insurance Comparison Site, is a $2000 ...

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Pooch Pampering Practice gets a new luxurious dog hydraulic bath.

Pooch Pampering Practice gets a new luxurious dog hydraulic bath. Paws & Relax, a dog day-care, training and grooming organisation, has won the 27th $2000 BizGiver Grant ... a story that small business insurance provider BizCover sees all too ... business to the top. The company was started when two of ...

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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 get an array of answers. However, one thing in common that most ... more traditional methods of buying insurance,” said BizCover Founder and Managing ... From start-ups to more established companies, BizCover has to date helped ...

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Top trends in the furniture industry

The rise of telecommuting is driving the demand for home office furniture. The need for home offices increased during the financial crisis in 2008-2009 and the European ... it worthwhile for manufacturers and companies to offer these products. To ... , you should consider buying business insurance. Eco-Friendly Design Buyers looking for ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a health check of your insurance to ensure that if the ... ... , misconduct or legislative breaches. Cyber Insurance Protection against the expenses and ... to have Business Interruption Insurance. (Vero SME Insurance Index,2016) 3. Do ...

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A Guide to PI Insurance

... to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity ... is Professional ... ). What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of ... Thinking About Professional Indemnity Insurance? Professional Indemnity Insurance forms the largest percentage ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... ... yoga teachers is Professional Indemnity insurance. Working in a highly physical ... circumstances Property damage Public Liability insurance When you work closely with ...

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Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... were minimal. SME Professional Indemnity insurance prices have also remained flat ... BizCover platform to reduce their insurance costs with comparable cover.” Download ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... your overall business insurance plan. What types of insurance should food businesses ... consider? Public Liability Insurance Dishing up food and beverages ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... your current policy. Your personal insurance doesn't cover your business A ... dollar claim. However your business insurance may cover personal items If ...

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

The BizCover Small Business Insurance Price Index is indicating ... market for small business insurance continues to benefit from ... stability in insurance continues to benefit from stability ... the last BizCover Small Business Insurance Price Index. “Insurers have managed ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... The latest BizCover Small Business Insurance Price Index has been released ... not universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 ...

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Business Insurance

... be in business tomorrow. Business Insurance can provide financial cover for ... service at excellent. Download Business Insurance Fact Sheet Get the cover ...

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Small Business Continues to Win on Insurance Prices!

... ; however the BizCover Small Business Insurance Price Index for the first ... ... ; however the BizCover Small Business Insurance Price Index for the first ... small businesses! Prices across all insurance classes were stable across the ...

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The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small business owners tend to be juggling many balls - managing clients, cash flow, staff, stock and future planning ... 'nice to have' insurance. Examples of “must have” insurance: Public Liability– protects ... efficient, transparent and competitive. Online insurance experts BizCover cover over 2 ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... that comes varying Professional Indemnity insurance requirements. It's important to make ... territory requires. Professional Indemnity Insurance Professional Indemnity insurance should be one of ...

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What is Business Insurance?

... need business insurance?Claim Example What is Business Insurance? Business Insurance can provide ... business. The options include: Building Insurance which covers any physical buildings ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, cabinet makers know a thing or two. This highly skilled trade involves having an eye for detail ... most. Personal Accident and Illness insurance* can provide different levels of ... (also known as general property insurance) can provide protection by insuring ...

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The bricks and mortar of building insurance cover- what you need to know

Your business property is like your home away from home and is the place where you work your magic. Whether you're in the business of providing expert advice to clients ... What is Building Cover? Building Insurance provides protection for material damage ... can be easily avoided. The Insurance Council of Australia defines underinsurance ...

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Insurance Considerations for Personal Trainers

Working as a personal trainer can be a rewarding career. Not only do you get to help your clients achieve their goals and transform their lifestyles, but it's also the ... of risk consider public liability insurance which will provide financial protection ... Out More About Professional Indemnity Insurance Luckily many insurers have realised ...

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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 ... best value on your business insurance. Cover yourself up! Check your ... making a claim having enough insurance could mean the difference between ...

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6 Areas You May Not Have Thought Business Insurance Covers

Your business is your livelihood. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, storms ... BizCover offers a range of insurance solutions to protect your business. ... Public Liability and Professional Indemnity insurance to ensure you are not ...

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Business Insurance FAQs

... of FAQ's designed to make insurance easy to understand. Get Free ... to sort out your Business Insurance? Your small business is a ...

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5 insurances every convenience store owner needs to know about

You're a retail lifesaver, helping customers at all hours with all sorts of essentials, from early morning coffees to midnight snacks. As a convenience store, you've ... the right protection. Public Liability insurance can provide you with peace ... , but fret not, there's an insurance for that! With Machinery Breakdown ...

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Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... go'. What is market stall insurance? Operating a market stall at ... wide range of potential risks. Insurance for market stall holders is ...

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5 Common Beauty Insurance Claims

As much as we like to hope otherwise, unexpected events happen! Things can go dreadfully wrong despite the best efforts we take to prevent them - and the simplest of ... how much having good business insurance coverage can save a small ... on it. “Thankfully my Business Insurance policy included building and contents ...

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5 Reasons To Review Your Business Insurance This Christmas

Christmas can be a busy (as well as stressful!) time for many small businesses. Come December the big Christmas countdown is on as people are busy preparing for the end ... levels. Do you have Business Insurance to cover your stock and ... you're protected within your Business Insurance pack, as with increased trading ...

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The Easter Bunny's Guide to Business Insurance

Each year at Easter millions of kilograms of chocolate are purchased and consumed around the world. In Australia alone close to $200 million is spent on Easter chocolate ... stop working? Within a Business Insurance pack the Easter Bunny would ...

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Customer Spotlight: MetaPeople

... running his own career management company with a business partner. Then ... ... running his own career management company with a business partner. Then ... , a recruitment and career mentoring company. At MetaPeople they concentrate on ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of ... against your business. Like all insurance policies, there are several important ... ... against your business. Like all insurance policies, there are several important ... and investigators, and without your insurance your could find yourself between ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and sometimes ... the nitty-gritty to understand what insurance is being offered and which ... especially ... especially the case with Business Insurance options like Portable Equipment and ... your insurer. Portable Equipment This insurance provides repair or replacement for ...

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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 ... down the price of professional/business insurance for Australian SMEs. Since the ... with capital chasing returns in insurance.” The Professional Indemnity rates reduced ...

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A Close Shave with Underinsurance

... to make sure that your Insurance grows with your business and ... ... , covered her business with Business Insurance. For the next 4 years ... closed. Luckily, the Business Interruption insurance that Samantha had added to ...

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When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and excluded ... When it comes to Business Insurance, understanding what's included and excluded ... , contents and/or stock a Business Insurance policy usually comes with some ...

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Pet Stays, becomes the 32nd BizGiver winner

... the 32nd Winner of BizCover Insurance's BizGiver $2000 Small Business Grant ... ... , who have embraced our online insurance services over more traditional methods ... of buying insurance, said Michael Gottlieb, Founder and ...

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Customer Spotlight: PerfEx Consulting

Brendan Healy from PerfEx Consulting is what some may call an overachiever; a PhD in Molecular Biology, Master Black Belt in Lean Six Sigma, a Hons. BSc in Industrial ... development.” Since its inception, the company has built a name for ...

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Customer Spotlight: Yummy Dogs

There are good dogs and bad dogs. Eight years in, and Yummy Dogs founder Olaf is slowly but surely weeding out the rogues with a fresh dedication to quality hot dogs ... , intimate office meetings to large company and corporate lunches where we ...

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The Risks of Growing Your Small Business

"The only strategy that is guaranteed to fail is not taking risks." - Mark Zuckerberg There comes a time when every successful enterprise needs to ditch the baby steps ... of themselves, but the primary insurances - public liability and professional ... a year. Consider Cyber Liability insurance, especially if your business relies ...

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Business Interruption

... notThings to considerBack to Business Insurance Business Interruption Cover* Most small ... to its knees. Business interruption insurance is designed to provide compensation ...

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Machinery Breakdown

... to considerBack to Business Insurance Machinery Breakdown This insurance covers the cost ... machine referred to on your insurance certificate that suffers insured damage ...

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Don't be a pork chop - insure your butcher shop

There's a lot at stake.. Think of all the hard work you have put into creating your butcher shop business starting with the early days as an apprentice to building up ... clause can vary from one insurance policy to another. Unforeseeable Interruptions ... business. Thankfully, under a Business Insurance pack there is an option ...

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Prevention & Protection - The Big Burglary Buffers

If you've ever arrived at your shop or store to find a smashed window or broken door, you'll remember the sinking feeling and the despair that follows. Having your business ... theft can also reduce your insurance costs considerably. Insurers appreciate the ... Theft cover is 'Business Interruption' insurance, which doesn't cover the items ...

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Is your Small Business Summer Proof?

Summer in Australia is a great time of year. There's a lot to enjoy, including plenty of public holidays, long days and great weather. But along with these great perks ... when you get your Business Insurance you also cover for Business ... Glass Cover, under a Business Insurance Pack will cover your for ...

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

As we say goodbye to those sunny summer days and hello to fresh, frosty mornings, the change in seasons is a prime time to make sure your business premises is prepared ... these areas. Having Public Liability insurance is one of the vital ... our friendly BizCover team of insurance experts waiting to talk all ...

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A roadmap to staying in business for the long haul: Part 2

The journey to becoming a successful small business owner is one of twists, turns and the occasional speed bump. In our two-part series (catch up on part 1 here) we map ... do best, stress-free. Having business insurance gives you peace of mind. ... out more about what business insurance options are available to help ...

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Money

... to considerBack to Business Insurance Money Cover* Money insurance protects your business ... following day. *As with any insurance, cover will be subject to ...

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Employment Practices Liability

... notThings to considerBack to Business Insurance Employment Practices Liability Cover* Employment ... Practices Liability (EPL) Insurance is designed to help employers ...

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Portable Equipment

... to considerBack to Business Insurance Portable Equipment This insurance cover provides repair ... Events ' basis. *As with any insurance, cover will be subject to ...

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The balancing act of work/life balance: how you can do it all and stress less

This Stress Down Day, we're here to help you gain back some equilibrium at work and stress less along the way. Research shows that 90% of Australians need to stress less ... ** Plus Personal Accident and Illness insurance will typically provide benefits for ... Accident and Illness insurance today! *As with any insurance, cover will be ...

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Goods in Transit

... notThings to considerBack to Business Insurance Goods in Transit Protects you ... market value *As with any insurance, cover will be subject to ...

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Statutory Liability

... notThings to considerBack to Business Insurance Statutory Liability This option covers ... defence costs. *As with any insurance, cover will be subject to ...

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Customer Spotlight: Being Brands

For this week's Customer Spotlight we look at creative brand agency, Being Brands. Being Brands is a creative agency located just outside of the Sydney CBD in Hunter ... high-level clients, that makes their insurance a must. “As a business ... for new clients, so having insurance is an essential requirement. “ “BizCover ...

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BizGiver finds it's latest winner in Wild Forage

The latest winner of the $2000 BizGiver Grant is crowned; Wild Forage, a small business supplying seasonal wild edible plants, herbs and seaweed to high end restaurants ... , who have embraced our online insurance services over more traditional methods ... of buying insurance, said Michael Gottlieb, Founder and ...

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Preparing your store for the holiday season ahead

The holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... expenses. Ensure your Public Liability insurance policy has adequate cover to ... , which includes having sufficient Business Insurance coverage to provide financial protection. ...

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Customer Spotlight: Elite Words

On today, International Women's Entrepreneurship Day, we celebrate with one entrepreneurial BizCover customer, Natalie Dawson of Elite Words. After over ten successful ... mind that Dawson justifies her insurance with BizCover. “I insure my ... worry about the cost of insurance.” “In the short term, organisations ...

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New Sapphire Coast business gets a $2000 head start

New Sapphire Coast business gets a $2000 head start Riley Cumming, has been running Sapphire Coast Mobile Mechanic for only a few months but already the Merrimbula resident ... permits, stock/raw materials or inventory, insurance, rent, fit-out etc. and on ... , is Australia's top online business insurance service and started the program ...

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Being financially prepared for Bushfire Season

We're moving into that time of the year again - on one hand we are welcoming the warm weather and on the other hand, some of us are preparing for the bushfire season ... for businesses to check their insurance to ensure they have adequate ... free as possible. Contact your insurance provider as soon as possible. ...

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Young Penrith Entrepreneur Recognised in National Grant Competition

It's only been ten months since Kaydee Gosper opened KD Hair, but since then she's already made a name for herself for her signature colour and styling, been nominated ... , is Australia's top online business insurance serviceand revolutionised the industry when ... to quickly compare multiple business insurance quotes for free online and ...

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Childers Local wins the latest Small Business Buddy Grant

HELPFUL HAND TO CHILDERS LOCAL PET BUSINESS Meet the latest winner of the Bizcover $60,000 'Small Business Buddy Program' Grant Queensland,February 17, 2015: Childers ... years have embraced our online insurance services over more traditional methods ... of buying insurance. Having someone literally change their ...

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Kate Owen Gallery wins BizGiver Grant

LOCAL ROZELLE GALLERY, KATE OWEN GALLERY WINS BIZCOVER'S 24TH $2000 SMALL BUSINESS GRANT AND WILL RECEIVE A MAKEOVER TO THEIR GALLERY TRUCK. Kate Owen Gallery has earned ... initiative, started by BizCover Business Insurance, has given away over $45 ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their cash flow. Whether you are just starting out or have been in business a while, you'll want to make sure every dollar ... , credit card, bank account or insurance for their business. It may ...

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'Children of Night Markets' wins the latest BizGiver

PHILANTHROPIC ORGANISATION HELPING YOUNG CHILDREN RECEIVES THEIR OWN HELPING HAND. "Children of the Night Markets", have won the coveted BizGiver $2000 grant for the ... by Australia's leading online business insurance service BizCover, grants the wish ...

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Jobs Shared wins the latest BizGiver Grant

THE LATEST WINNER OF BIZGIVER $2000 GRANT HAS BEEN NAMED AS JOBS SHARED, THE INNOVATIVE NEW JOB SHARING EMPLOYMENT SERVICE. After Simone McLaughlin had her first child ... ” BizCover, Australia's leading online business insurance service, started the grant as ...

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Pure Flowers wins the latest BizGiver

PURE FLOWERS, THE LANE COVE BOUTIQUE FLORIST HAS WON BIZCOVER'S $2000 BUSINESS GRANT AND WILL NOW BE ABLE TO KICKSTART THEIR ONLINE PRESENCE WITH A YEAR'S WORTH OF WEBSITE ... ” BizCover, Australia's leading online business insurance service, started the grant of ...

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ET Circus is the latest winner of the BizGiver Grant

ET Circus, a much loved entertainment business in the sunshine coast community has won the BizGiver grant and will soon be receiving a brand new air track to add to their ... BizCover, Australia's leading online business insurance service, started the grant of ...

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Latest Small Business Buddy Winner: Evermore Memories

MEMORY MAKING BUSINESS GETS A MEMORABLE PRIZE. Latest Winner of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a new unique business based in Geelong ... BizCover, Australia's leading online business insurance service, started the $2000 monthly ...

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Pooches Playroom - Customer Spotlight

Here at BizCover we cover a huge variety of businesses. One that caught our attention is a customer who operates in the burgeoning doggy day care industry. Sally Evans ... fun!!!” *BizCover is the preferred insurance partner of the NEIS (New ...

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Stranger Businesses

With Stranger Things returning to our screens, season 3 instantly transports us back into the sci-fi world of the 'upside down', unruly mullets, giant walkie-talkies ... we offer a variety of insurance options from Australia's top insurers. ...

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How Does Professional Indemnity Insurance Benefit You?

... own company, then it is advisable that you have professional insurance, which ... referred to as professional indemnity insurance. Professionals ... or not the insurance company can provide adequate professional insurance that is required ... long term business plans; the insurance company should be able to provide ...

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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.