Machinery Breakdown Insurance

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Business Insurance

... tools of trade and items of stock. Machinery Breakdown Machinery breakdown insurance covers the cost to repair or replace specified machinery following a breakdown Electronic Equipment Covers your business against loss ...

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Machinery Breakdown*

... Things to consider Back to Business Insurance Machinery Breakdown* This insurance covers the cost to repair or replace specified machinery following a breakdown. Did you Know? 'Breakdown' refers to unforeseen and sudden ...

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What is Business Insurance?

... tools of trade and items of stock. Machinery Breakdown Machinery breakdown insurance covers the cost to repair or replace specified machinery following a breakdown Electronic Equipment Covers your business against loss ...

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Business Insurance FAQs

... Dishonesty cover? What is Machinery Breakdown cover? 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 ...

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Business Interruption Cover*

... legislation Losses beyond the indemnity period Voluntary closures Losses due to breakdown in equipment or machinery Who needs Business Interruption insurance? If you run a business that would be impacted significantly if ...

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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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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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How much does Business Insurance cost?

... Pack? The average cost of a Business Insurance package for retail business is $96.43 per month , with 32.5% of our customers paying between $76 and $100 per month. The full breakdown can be seen below. *Data based on ...

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Business Insurance on the Central Coast

... was ever to hard for them to answer. Great service.” Tina W. Heavy Machinery and Equipment Repair and Maintenance How much does Business insurance cost ? On average, small businesses on the Central Coast pay around  $ 68 ...

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Business Insurance the Smart Way

... each policy if you use the code SMART50 and a dedicated point of contact to help you with any insurance questions you might have. BizCover works for you by: Compare multiple providers and buy your policy online in just ...

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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 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 Townsville

... because an injury or serious illness means you're unable to work while you recover. Personal Accident and Illness insurance can help you keep things running at home and in your business until you're able to get back to ...

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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 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 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 Melton

... 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 Launceston

... 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

... an actual or threatened data breach. A cyberattack could bring a small business to its knees. Cyber Liability insurance can give small business owners in Geelong peace of mind that if a hack or data breach targets their ...

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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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Theft Cover*

... or armed hold up. It is not uncommon for theft insurance to require the item stolen to have been securely stored before ... Computers and other equipment for storing data Machinery and plant, tools, instruments and utensils ...

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Goods in Transit

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

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Employment Practices Liability

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

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Money Cover*

... outside business hours. Outside of Australia (subject to additional benefit - Traveler's money). *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

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No Dramas

... price, we will beat the price on offer or provide you with a full refund** so that you can save on insurance for your small business. Get a quote today, it only takes a few minutes. ** terms and conditions apply - click ...

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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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Insurance for Furniture Manufacturers: A Guide

... another defined event listed 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 ...

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Insurance for Furniture Manufacturers

... or another defined event listed in the policy. Machinery Breakdown* - Machinery breakdown insurance covers the cost to repair or replace specified machinery following a breakdown. You can also choose to insure the ...

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Insurance for Cafes

... and exhaust fans to keep on running. Machinery Breakdown insurance covers the cost to repair or replace specified machinery following a breakdown. Glass* - This type of insurance covers you for damage to glass and ...

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Insurance for Car Wash and Auto Detailers

... such as business equipment , stock, plant and machinery, records and furniture belonging to you at the insured location. Machinery Breakdown* Machinery breakdown insurance covers the cost to repair or replace specified ...

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Insurance for Manufacturers

... 's leading insurers Choose from a range of covers, including machinery breakdown Compare quotes from our trusted insurance partners*: Why do Manufacturers need insurance? Don't let a potential safety defect in your ...

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Insurance for Restaurants

... from a range of covers, including Glass and Machinery Breakdown Competitive Prices with our Price Promise Compare quotes from our trusted insurance partners: Public Liability Insurance cost for Restaurant & Cafes Why do ...

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Insurance for Restaurants & Cafes

... a range of covers, including Glass and Machinery Breakdown Competitive Prices with our Price Promise Compare quotes from our trusted insurance partners*: Business insurance for restaurants and cafes covers things like ...

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Insurance for Pizza Shops

... event listed in the policy. Machinery breakdown - Machinery breakdown insurance covers the cost to repair or replace specified machinery following a breakdown.  Personal Accident & Illness Insurance* From cooking up a ...

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5 Surprising Things Business Insurance Can Cover

... the blink as the deadline for a large order is approaching. Machinery Breakdown insurance is an important form of coverage for businesses who rely on machinery or equipment in their day-to-day operations, and can protect ...

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Insurance for pharmacy and pharmacists

... Machinery Breakdown: covers the cost of repairing or replacing insured machinery following a breakdown, including electronic or mechanical machinery ... helpful service from a business insurance professional. 1300 249 268 Mon ...

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Insurance for Concrete Contractors

... s vital to running their business. Your Business Insurance Package can be customised to include cover for your tools and equipment, such as Machinery Breakdown and Portable Equipment covers. Electronic Equipment cover is ...

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Insurance for Concrete Pumping

... choose cover that protects their tools of the trade. As part of your Business Insurance Package , you may select Machinery Breakdown and Portable Equipment covers to protect tools like your concrete pump, concrete pump ...

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Insurance for Fencing Contractors

... do your job and run your fence construction business. When building a Business Insurance Package, you can select covers like Machinery Breakdown and Portable Equipment to help protect your tools of the trade. Electronic ...

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Insurance for Butcher Shops

... it is usually a requirement to hold Public Liability insurance and Glass cover before signing a lease. Your landlord ... in transit or in your personal custody. Machinery Breakdown* - essential cover for butchers to help ...

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Insurance for Convenience Stores

... when you need it most.Do you need Public Liability insurance? The short answer is probably yes. Chances are you' ... theft, fraud or dishonest acts by an employee. Machinery Breakdown* - designed to help cover the cost of ...

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Insurance for Bakers

... with Business Insurance . Contents - Covers your business contents or stock if they were damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy. Machinery breakdown - covers ...

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Dishing up the facts on food business insurance

... policy options to choose from. Why do I need insurance for my food business? Whether you are serving up fancy ... available if you insure Building or Contents. Machinery Breakdown - offers protection for the related costs ...

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Hospo Insurance

... feel at home, the right insurance could be a few clicks away! Find great insurance cover for your hospo business ... premises or in your private residence. Machinery Breakdown Covers the cost of having nominated machines ...

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Insurance for hospitality business

... you own it) and its contents , as well as machinery breakdown and business interruption events such as power outages Management Liability Insurance Insurance that covers risks that may occur during the course of running ...

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Insurance for Pet Professionals

... a range of covers including machinery breakdown Trusted by over 220,000 Australian small businesses Compare quotes from our trusted insurance partners*: Why do pet professionals need insurance? Whether you're grooming ...

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Insurance for IT Professionals

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

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How to become a management consultant

... , theft or even accidental damage). In some cases, a client may require you to have certain types of insurance to work with them. They may include this requirement in their business contracts and ask for a certificate of ...

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9 management tips to supercharge your business

... that can level up your business and make your journey less daunting. 1. Protect yourself with the right insurance policy If you're a self-employed professional or a small business owner trying to get through the first ...

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Risk management strategies for architects

... at common architect risks and hazards that your business might face and ways to minimise them, like architect insurance . Common architect risks and hazards As a responsible architect, it's your job to manage risks so ...

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Management Liability Insurance

... *: What's included & what's not? Get the right cover Could this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in the ...

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9 management tips for plumbing businesses

... Follow up with customers after their job is completed to ensure that they are satisfied. 9. Give your plumbing insurance a maintenance check There are a variety of risks that plumbers face. All it takes is for a customer ...

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Insurance for Management Consultants

... could cost thousands of dollars even if you're not at fault. That's where Professional Indemnity insurance comes in. Your policy can help manage common risks, like document errors, missed deadlines, and negligence claims ...

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Claim for Management Liability

... to business Easy online claims form Need help? Call 1300-249-268 Compare quotes from our trusted insurance partners: Management Liability It is important that you notify your insurer as soon as possible of all actual ...

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14 tips for managing your business cash flow

... holding as much stock required to run your business efficiently. Excess stock can tie up cash and increase storage and insurance costs. 11. Budget your spending If you're a start-up, it can be easy to overspend as you ...

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How to Reduce Product Liability Risks

... 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. © 2022 BizCover ...

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9 time saving apps to take back your time

... . At BizCover, we're big believer in saving time and that's why we offer a hassle-free business insurance experience. Jump online or give us a call to receive multiple quotes in minutes from some of Australia's leading ...

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Insurance for Project Managers

... services  Did you know? Even if your projects take you across the country, your Professional Indemnity insurance covers you anywhere in Australia.   Get the cover for  your business Professional Indemnity Your role as a ...

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Top 9 in-demand consulting jobs

... about each of these consultant roles and learn all about the role that BizCover, consulting insurance * and insurance for management consultants can play for your consulting business when it comes to purchasing business ...

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The importance of cash flow for small businesses

... 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. © 2024 BizCover ...

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10 steps guide to managing a fitness business

... 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. © 2022 BizCover ...

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SMEs urged to review risk mitigation strategies

... , implementing a risk management strategy can help reduce their exposure to risk, according to Small Business Insurance expert Jane Mason. “All businesses are exposed to a level of risk, which can range from operational ...

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... 1300 920 864 to find out how simple, quick, and easy it can be to purchase small business insurance. *This information is general only and does not consider your objectives, financial situation or needs. It should not ...

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How to get a real estate licence in Australia

... under the hammer in the event of an unfortunate event. Realtors might want to also consider Public Liability insurance , which provides the proper protection for you and your business in any event that an individual gets ...

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How small business can improve cash flow

... be very costly when they occur,” explains Jane Mason, Head of Product, Channels & Risk at business insurance comparison website BizCover . Claims and lawsuits can be very expensive for small business owners. Not only can ...

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5 common risks consulting firms face

... won't get paid. How would your business manage if something happened to you? Having Personal Accident & Illness (PA) insurance covers you for loss of income if you were unable to work as a result of an injury or illness ...

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Handyman course: Improve your business

... injury or illness (even if it occurs outside your work). Find out more about Personal Accident and Illness insurance . Don't forget the soft skills Soft skills can be helpful in just about every profession. The leading ...

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... a consultant. Importantly, we will also dig into the risks that consultants can face, and how consultant insurance * and management insurance can come to the rescue when things don't go to plan. As a consultant, you may ...

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11 technologies for small business success

... 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. © 2024 BizCover ...

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Business Insurance Coverage

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

  • Public Liability insurance
  • Professional Indemnity insurance
  • Business Insurance

 

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

What is typically covered by Business Insurance?

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

What is typically not covered by Business Insurance

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

Industries that may require Business Insurance

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

Get the right type of Business Insurance

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

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

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

 

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

Frequently Asked Questions on Business Insurance

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

Business insurance usually falls into three categories: 

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

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

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

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

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

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

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

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

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

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

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

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

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

 

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

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

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

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

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

Public Liability*

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

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

Cyber Liability*

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

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

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

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

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

Personal Accident & Illness*

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

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

Business Insurance Pack*

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

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

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

Contents*

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

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

Portable Equipment*

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

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

Business Interruption*

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

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

Tax Audit*

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

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

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

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

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

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

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

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

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

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

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

Prefer to talk?

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

1300 249 268

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

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