Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... your business and your bottom line. Whilst you've got the insurance ... ... Business Insurance customer claims, and tips on how to prevent them. Theft Theft is unfortunately common for small businesses ... stolen. While most small businesses can't afford to implement the type of high security a ...

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Business Insurance in Bunbury

... does Business insurance cost? On average, small businesses in Bunbury pay around $54** a month for a Business insurance policy. Business insurance is one of the most popular types of insurance for small businesses in ...

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Business Insurance in Melton

... in Melton pay $79.55** a month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Melton. In fact, it is arguably important for almost ...

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Business Insurance in Parramatta

... in Parramatta pay $71.30** a month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Newcastle. In fact, it is arguably important for ...

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Business Insurance in Toowoomba

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

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Business Insurance in Wollongong

... in Wollongong pay $70.12** per month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Wollongong. In fact, it is arguably important for ...

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Business Insurance in Launceston

... Public Liability insurance cost? On average, small businesses in Launceston pay $52.8 **for their business insurance packs. Business insurance is one of the most popular types of insurance for businesses in Launceston ...

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Business Insurance on the Gold Coast

... How much does Business insurance cost? On average, small businesses on the Gold Coast pay $75 a month** for their business insurance, which is one of the most common types of insurance for small businesses on the Gold ...

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Business Insurance in Bundaberg

... in Bundaberg pay around $60.51** a month for a Business insurance policy. Business insurance is one of the most popular types of insurance for small businesses in Bundaberg. In fact, it is arguably important for almost ...

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Business Insurance in Newcastle

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

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Business Insurance in Townsville

... in Townsville pay $91.55** per month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Wollongong. In fact, it is arguably important for ...

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Business Insurance in Mackay

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

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Business Insurance in Cairns

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

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Business Insurance on the Central Coast

... does Business insurance cost? On average, small businesses on the Central Coast pay around $68.66 a month**for a Business insurance policy. Public Liability insurance is one of the most popular types of insurance for ...

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Business Insurance in Geelong

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

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What is Business Insurance?

... : a) Material damage loss for your physical assets b) Financial loss due to business Interruption There are many different types of Business Insurance cover options, each designed to protect different areas of a ...

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Business Insurance FAQs

... the answers! Check out our library of FAQ's designed to make insurance easy to understand. Get Free Quotes Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover by ...

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Business Insurance

... to the business. The type of cover and amount will depend on the nature of your business and what ... Download Business Insurance Fact Sheet Get the cover that is right for you Your business may be considered 'small' but ...

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How much does Business Insurance cost?

... out by food businesses Like retailers, Public Liability insurance is the most popular cover options taken out by 96% of food businesses, as this is one of the highest risk areas for these types of businesses, with claims ...

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Statutory Liability

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

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... latest Quarterly BizCover Small Business Insurance Price Index has shown insurance ... are holding on to pricing gains made last quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown insurance rates dropping back two points. Despite this drop, some insurers have managed to ...

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

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of The Quarterly BizCover Small Business Insurance Index has shown that Australian SME's may have enjoyed the end of declining insurance premiums with an increase of 5 points in the second quarter of FY2015/2016, the first ...

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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one ... your assets is Small Business Insurance. But what kind of insurance do you actually .. ... need to protect your assets is Small Business Insurance. But what kind of insurance do you actually need? There's ... important to note that some types of insurance are compulsory for many kinds of businesses, whether it's a ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump ... quotes and buy the insurance that suits your business ... insurance that suits your business. But there are a few things you may not know about small business insurance ... for your business, and how much cover to get, there will be some instances where a certain type and a certain ...

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Small Business Insurance Index

... strong price increases in the business insurance market, SMEs are continuing to ... in the cost of business insurance, the BizCover SME Insurance ... the market at large has seen an increase in the cost of business insurance, the BizCover SME Insurance Price Index shows that overall pricing for SME insurance has remained flat over the last year. The BizCover index is ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... for most risks that a small business faces? ... is fully protected. To assist you in understanding what types of insurance policies are available to small businesses, you can download our FREE Business Insurance Checklist here. To get instant multiple quotes from ...

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iSelect partners with BizCover to launch business insurance comparison

... include business insurance, through a partnership with BizCover, Australia's leading small business insurance service ... provider. Through the BizCover ... through a partnership with BizCover, Australia's leading small business insurance service provider. Through the BizCover partnership, iSelect is now offering small to medium (SME) business owners a full end-to-end online ...

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

... Bizcover.com.au $60,000 'Small Business Buddy Program' Michelton resident Charlotte ... to Bizcover.com.au's Small Business Buddy program that dream ... have taken the hassle out of buying insurance for more than 25,000 businesses so far. They are supporters of a range of other small business programs such as the Small Business Champion Awards, which they sponsor, and ...

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Dishing up the facts on food business insurance

... the right business insurance. When it comes to insuring your small food business, sometimes ... ... you have the right business insurance. When it comes to insuring your small food business, sometimes it can ... business insurance plan. What types of insurance should food businesses consider? Public Liability Insurance ...

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Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... minutes. If you run a business, it is absolutely essential that ... yourself and your assets with business insurance. However, figuring out exactly ... state-of-the-art platform to manage your policies and certificates of insurance online, 24/7.  If you're tired of feeling confused by small business insurance, or concerned that you don't have the right coverage or best ...

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5 Reasons To Review Your Business Insurance This Christmas

... as stressful!) time for many small businesses. Come December the big Christmas ... ... a busy (as well as stressful!) time for many small businesses. Come December the big Christmas countdown is on as ... carrying increased stock levels. Do you have Business Insurance to cover your stock and contents from theft ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... up a new business or have been in business for a while ... and looking to buy insurance ... I need? There is no fixed answer to this as each business is unique however, holding the right level of insurance is just as crucial as having the right type of insurance. First and foremost, you need to ensure that you ...

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Home Based Business Insurance

... was compromised. The impact could be devastating 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 ...

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The Business of Love: Small Business Couples Tell All - Part 2

... beans of what running a small business together is really like. From ... on what jumping into the business bed together is like. Mums ... ... who spill the beans of what running a small business together is really like. From learning to give ... business together? At BizCover we provide a range of different business insurance policies for over 6000 different types ...

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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 ... online Small Business Insurance Comparison Site, is a $2000 Small Business Grant that awards a Small Business ... nearly every type of business, it's amazing to see these individual and very unique businesses like Deviant ...

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Lifestyle Tradie Group trades up; next Small Business Buddy Winner

... the latest $2000 Small Business Buddy Wish from BizCover Insurance. Mona Vale, May ... latest winners of BizCover's Small Business Buddy Wishes ... our wish granted! Our productivity will improve overnight”. The Small Business Buddy Wishes grant is an initiative of BizCover, an online Business Insurance service that has partnered with Australia's leading insurers to ...

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Cyber Liability Insurance: the safety net small businesses need

... and especially to small businesses. The reality is, no small business is immune and ... ... are vulnerable to breaches. By implementing a few basic preventative measures and robust Cyber Liability insurance, small business' are ensuring they are able to survive cyber-attacks, now and in the future. BizCover ...

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Help Protect your small business' reputation

... it comes to running a small business, your brand and its reputation ... take just one small mistake to destroy your business in minutes. As ... Management Liability insurance is all about protecting the running of your business. There are a few types of ... Unfortunately, hackers are out there, and small to medium-sized businesses are prime targets. In fact, 60% ...

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A $2,000 Wish for Your Small Business

... any small business owner about the most difficult aspect of running a business ... venturing down the path of business ownership is trying ... unexpected expense! Starting off as a small business themselves back in 2008, BizCover, an online insurance service for small businesses, knows all too well the lengths that a small business needs to go to in order to ...

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Life after lockdown - How to re-open your small business

... are beginning to ease and businesses are slowly starting to head ... the right direction for Aussie small businesses and the economy. If you ... ... 000 COVID-19 related scams and over $700,000 in losses since the outbreak of the virus. Small businesses are not immune from cyber-crime and Cyber Liability insurance can be a wise choice when it comes to protecting your ...

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The Art of Being a Creative Small Business

... 're running your own business as a small team or flying solo ... , screenwriters and many more. Any small business owner [] ... kickstart your creative adventure. Starting a small business: The first step is often the hardest ... Business Whether you are just starting out or a well-established creative business, having the right types of insurance ...

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

... another virus plaguing small business owners working remotely cyber-crime. Small business owners and ... staff need to be vigilant of the types ... cyber-crime. Small business owners and staff need to be vigilant of the types of risks that can damage their business, the measures to take to prevent becoming a victim and how Cyber Liability insurance can help protect ...

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Is your Small Business Summer Proof?

... of challenges and risks every small business should be aware of. Complete ... ... freezer. Machinery Breakdown can be covered under a Business Insurance pack; this will cover the repair or replacement ... people want to take advantage of. As many small businesses shut to enjoy the summer, they can be a ...

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Childers Local wins the latest Small Business Buddy Grant

... of the Bizcover $60,000 Small Business Buddy Program Grant Queensland,February ... animal grooming and pet care business Hannah's Hand Pet Care ... services over more traditional methods of buying insurance. Having someone literally change their business capacity overnight with a $2000 grant is precisely what the Small Business Buddy Program is about,” said Michael ...

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Small Business Continues to Win on Insurance Prices!

... pressure, prices remain flat for small business. Recent financial results from the ... price increase; however the BizCover Small Business Insurance ... insurers all indicate that the industry is long overdue for a price increase; however the BizCover Small Business Insurance Price Index for the first quarter of the financial year indicates that insurers have not been ...

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Latest Small Business Buddy Winner: Evermore Memories

... Winner of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a ... new unique business based in Geelong Victoria, is ... latest winner ... the attention of BizCover when the entry came in for the Small Business Buddy grant program for a camera. BizCover, Australia's leading online business insurance service, started the $2000 monthly grant as a way to give ...

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10 small businesses share what they love about their small business

... they love most about their small business. From the challenges to the ... Encore Admin Consulting (virtual assistant business) For Korryn, it is ... ? Contact us at marketing@bizcover.com.au with what you love about your small business, and if you're looking to fall in love with a business insurance provider that will return your calls, check out the latest quotes at ...

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10 Tools Every Small Business Should Gift Themselves This Christmas

When you are running a small business you have to be many ... can help you manage your business more effectively. Here are our ... ... them again? HelloSign is an eSignature software for Small Businesses. The best part about HelloSign is that you ... BizCover is Australia's No. 1 online business insurance, where you can compare multiple quotes from ...

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Preparing your small business for a Tax Audit

... audits of 100's of small businesses. Even if your books are ... that any audit of your business is as painless as possible ... ... everything that you have put in your returns. Small businesses are required to keep all their records for a ... a tax audit cover either as part of your business insurance or as a standalone policy. Whilst it won't ...

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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 ... market over the last few years has helped drive down the price of professional/business insurance for Australian SMEs. Since the start of FY 2012/13 SMEs have benefited by a drop in rates of 24 basis points. The ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their ... out or have been in business a while, you'll want ... make the most of your business funds ... 5. Shop Around for your Financial Services As a small business, you need to ensure that your finances are in good ... new loan, credit card, bank account or insurance for their business. It may be that the provider of your ...

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Business Insurance the Smart Way

... compare and buy cover that suits all kinds of start-ups and small businesses - over 6,000 occupations. BizCover instantly provides multiple insurance quotes online and you can select and purchase the right cover, at ...

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Small Business Champions

... Champions Awards. We are passionate about small business and our mission is to drive down the cost of business insurance for all Australian small businesses. BizCover's Small Business Buddy program is available to all ...

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Cyber Security For Small Business

... types of cyber incidents by industry How can small businesses protect themselves? What is the Notifiable Data Breaches Scheme? What to do in the event of a cyber attack or data breach What is Cyber Liability Insurance ...

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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, ... risk management, however, and a tailored insurance plan, your business will be in the best position to ... assist clients with their queries. Know your business. If it isn't the type of enterprise that can scale up easily ...

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

... Small Business Insurance Price Index is indicating that the market for small business insurance continues ... to benefit from stability in insurance ... by continued competition, as well as capacity in the market. This has been the case across all insurance classes for small business, all of them seeing little change over the quarter, once again. As forecast in the last ...

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Insurance Premiums for Retailers Continue to Climb

... to Climb The latest BizCover Small Business Insurance Price Index has been released ... is showing an increase in small business insurance rates ... 1), and similar to quarter 2 of last financial year, the index is showing an increase in small business insurance rates, with the index rising 3 points over last quarter. This increase however is not universal. Graph ...

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BizCover SME Insurance Price Index Q2 FY20

... are using BizCover for their insurance, while smaller businesses benefit from steady prices ... this quarter. The BizCover SME Insurance Price ... BizCover to quickly and easily get cover due to an increase in insurance carrier appetite on the BizCover platform. While smaller businesses with less revenue have benefited from stable, competitive prices overall. The ...

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Business Insurance Guide for the Self-Employed - Part 3

... print in the world of business insurance, it can feel like you ... , comprehensive guide on all things Business Insurance for the self-employed. In ... you couldn't afford to be without. These are some of the different types of Business Insurance coverages available for selection. Business Interruption* For even the most prepared self-employed workers, an unexpected ...

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Business Insurance Guide for the Self-Employed - Part 1

... plans for success. Any solid business plan should have a focus ... strategies and protection for your business for the long haul. From ... , there ... or sustain property damage as a result of your negligent business activities.   Public Liability is one of the fundamental types of business insurance that can be relevant to pretty much every profession or industry ...

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Business Insurance Guide for the Self-Employed - Part 4

... final piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share .. ... covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent ... variety of business insurance options to help protect your business. At BizCover we're all about making insurance easy and ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... to business insurance for the self-employed that profiles the main types< ... 've made it our mission to make it a bit easier. We've created a guide to business insurance for the self-employed that profiles the main types of cover to consider and how it can protect you for the long run. In Part 2 ...

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6 Areas You May Not Have Thought Business Insurance Covers

... 's vital to protect your business assets and revenue against potential ... risks that may impact your business, such as fire, storms, theft ... your ... on the type of business you operate, you may hold some or all of you stock at your business premises. How ... As with all the other cover options offered through Business Insurance if you make a claim on an underinsured ...

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Getting the Best Value on Your Business Insurance

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

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The Easter Bunny's Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... eggs are stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover for machinery ... Crisis Event” in a Management Liability Policy. This type of policy can also cover an unexpected death, ...

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Insurance for Furniture Manufacturers

... go wrong. This is where business insurance comes into play and should ... arranging your insurance can feel overwhelming at times, with many types ... claim. Public and Product Liability (often sold together) are two types of business insurance to think about when protecting your business. Public Liability insurance is intended to provide protection for you and your ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... edge online insurance model that connects independent professionals and small businesses to ... critical Professional Liability (E&O) insurance ... months and years BizInsure will become a one-stop insurance solution for all types of small business insurance needs.” Despite the rapidly evolving business world, the insurance industry has been one of the slowest to ...

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Insurance for Allied Health Professionals

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

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a general review of your business, it's worth taking time ... your insurance to ensure that if the ... you have cover to help you get back on track. Below are some common types of insurance available for small businesses and the risk areas that they cover. Professional Indemnity Protection against financial losses for ...

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The Risky Business of Insurance

... Real Costs to Australian Small Business? Small business owners tend to be ... and future planning. Managing business risk and ensuring that ... a ... estimates that 70% of these affected by a major event never recover. So how does a small business owner make savvy insurance decisions? Define “must haves” It's important to distinguish between 'must have' and 'nice to ...

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Public Liability Insurance Scenario

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... of their staff. It's protecting everyone, really.” In vast field of possible 'what-if's' for small business, BizCover's insurance cover has taken some of the guesswork out of choosing the right cover. In partnership with ...

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Insurance for Real Estate Agents

... damage as a result of your negligent business activities . Business Insurance* Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when ...

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Insurance for Massage & Alternative Therapies

... business activities. Business Insurance*  Business Insurance is an insurance package designed to provide cover for your business ... covered.  Examples of the types of risks Cyber Liability insurance can assist with are ...

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Insurance for Car Wash and Auto Detailers

... for tax audit, employment practices liability and statutory liability risks.  Some of the types of Business Insurance coverages you may want to consider as a car wash and auto detailer include: Building* Covers ...

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Insurance for Pet Professionals

... cover is available for public liability, tax audit, employment practices and statutory liability risks. Some of the types of Business Insurance coverages you may need to consider as a pet professional include: Contents ...

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Insurance for Carpenters

... workmanship completed by you or your business or any refund of the fees charged by you to complete the job. Insurance for Carpenters Public Liability One of the basic types of insurance carpenters need to consider is ...

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Insurance for Cafes

... order for business insurance with BizCover, the small business insurance specialist. Protecting your business has ... type of insurance covers you for damage to glass and signage at the insured business location. Business ...

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Insurance for Civil Engineers- what you need to know

... think about what kinds of business insurance coverage you may need to ... ... costs, which could have a devastating impact on your business. Professional Indemnity insurance Professional Indemnity insurance is a type of insurance coverage selected by professionals, including civil engineers ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... are scalable and can be changed with as your business grows. This type of insurance should be considered if you or your business has expensive equipment in your business premises or when out in the field. Cyber ...

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Insurance for Architects

... tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to ...

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Insurance for IT Professionals

... these questions is yes, you might want to consider Business Insurance for coverage of one or more of building, contents, ... covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent ...

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Insurance for Gift Shops

... . Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cybercrime, cyber extortion/ransomware and business interruption due to a ...

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The business of Business Insurance*

Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and effort into building your business. Don’t risk wasting all this effort by not protecting your business assets from unexpected events. No matter how much you plan and prepare for things, sometimes there are circumstances that are out of your control – you need to ensure you have a plan to protect your business today to ensure you’ll be in business tomorrow.

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

Excellence in Customer Service


Independent feedback from our customers rated our service at excellent.

What is included?

A) Material damage loss for your physical assets

B) Financial loss due to Business Interruption

Choose cover options below!

What is typically NOT covered?

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

Download Business Insurance Fact Sheet

Link to Business Insurance Factsheet

Get the cover that is right for you

Your business may be considered ‘small’ but it’s big to you and big to us. That’s why we want to make sure you have the right protection. We offer various cover options to suit a variety of businesses.  Take a few minutes to consider some of the following risk areas and think about which ones impact you and how much cover your business would need should things not quite go to plan.

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general only and should not be relied upon as advice.