Stallholder Insurance Australia

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Business Insurance on the Central Coast

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

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Business Insurance In Wollongong

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

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Business Insurance in 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 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 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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Business Insurance FAQs

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

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How much does Business Insurance cost?

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

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Business Insurance 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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What is Business Insurance?

... in a fire, storm or due to malicious damage or some other defined event listed in the policy. Glass Insurance Cover for breakage of internal and external glass and signage you own or for which you are legally responsible ...

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Business Insurance

... 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 ...

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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 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 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 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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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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Machinery Breakdown*

... which requires repair or replacement. There are a number of types of breakdown which are not covered by an insurance policy such as those related to wear, tear and gradual deterioration or a lack of service or repair ...

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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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Business Interruption Cover*

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

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Theft Cover*

... cover your contents and stock from theft, attempted theft or armed hold up. It is not uncommon for theft insurance to require the item stolen to have been securely stored before the theft and for there to be evidence of ...

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Statutory Liability*

... those set out in the policy wording) Prior or pending claims Property damage Criminal offences *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

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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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Do I need insurance for my market stall?

... if a member of the public or another stallholder is injured or suffers damage to their property ... you may be covered under the market organiser's group insurance policy, however be careful to check with them what you ...

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Business Insurance Perth

... were to occur at your business premises, even if this is at your home-based business. Public Liability insurance can provide peace of mind and protection from potential claims for accidental injury or damage to a third ...

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7 Common Types of Small Business Insurance

... of a salon owner who has a shop front. However, one thing's for certain, and that is, finding the right insurance is an essential part of managing the risks involved in operating your business. And let's face it - all ...

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Business Insurance Melbourne

... if a potential claim were to occur even if this is at your home-based business. Public Liability insurance can provide peace of mind and protection from potential claims for accidental injury or damage to a third-parties ...

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Public Liability Insurance WA

... Trades & Service industry in WA pa id around  $70.82 per month in 2018 for Public Liability insurance through BizCover . There is a wide variety of occupations classified within this industry, with each occupation having ...

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What does Public Liability Insurance cover?

... expensive (the example above could easily cost well over $ 50 , 000 ) , and not having Public Liability insurance means you could well end up paying for the claim straight from your back pocket . Bear in mind that Public ...

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Insurance for Disability Workers

... or Public Liability claim against you. We know, sometimes you just want a quick idea of how much your insurance is actually going to cost. However, it's important to note that the data included within this article was ...

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Who needs Professional Indemnity insurance?

... or an omission in the delivery of your professional advice or services. Why do I need Professional Indemnity insurance? Take a moment to consider the time and money that is involved with a claim. The financial impact ...

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8 Facts About Professional Indemnity Insurance

... peace of mind, knowing that you're protected after you've closed up shop. 8. Getting your Professional Indemnity insurance sorted is easier than you might think. Gone are the days of ringing insurers one at a time to get ...

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Professional Indemnity Insurance for Consultants

... are at risk.One way to ensure that this never happens to you, is by purchasing something called Professional Indemnity Insurance , this is a very safe option to assure you are covered in the event that someone files suit ...

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Insurance for Carpenters

... completed by you or your business or any refund of the fees charged by you to complete the job. What insurance do carpenters need to consider? Get to know the common types of cover that carpenters often add to their ...

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Home Based Business Insurance

... Cost What's included & what's not? Get the right cover FAQ's Why do Home Based Businesses need insurance? Just because you don't have a typical office or working space doesn't mean things can't go wrong. Whether ...

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How much does Public Liability Insurance Cost?

... cause injury or property damage to clients or members of the public. It is important to note that each insurance company assesses risk in different ways. What one insurer may consider as a high-risk occupation may not be ...

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What is Professional Indemnity Insurance?

... ? No matter how good you are at your job, we're all human and we all make mistakes. Professional Indemnity Insurance allows you to cover yourself if and when you do slip up in your normal course of work. Here are a ...

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Do I need Professional Indemnity insurance?

... it or not, a claim must be defended - ignoring it won't go away. Don't despair. Professional Indemnity insurance is your best defence when faced with a claim. You get the assistance of an expert insurer by your side to ...

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Insurance for Electricians

... to our friendly team to get a quote .Yes! Portable Equipment * cover, which can be added to your Business Insurance Pack, covers you for loss and damage to your tools and stock due to theft, fire and other perils listed ...

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Insurance for Massage & Alternative Therapies

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

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Insurance for Consultants

... ? You offer game-changing results for your clients; we offer a game-changing way to get your insurance. With just a few clicks or a phone call, you'll get multiple competitive quotes from some of Australia's leading ...

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Public Liability Insurance In Rockhampton

... 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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Public Liability Insurance In Port Macquarie

... 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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Public Liability Insurance In Perth

... 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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Public Liability Insurance In Mandurah

... 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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Public Liability Insurance In Hobart

... 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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Public Liability Insurance In Darwin

... 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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Public Liability Insurance In Brisbane

... 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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Insurance for Hair & Beauty Services

... by your business activities to a third party It may also be a requirement to have certain kinds of business insurance in place as part of your rental agreement e.g., Public Liability or Glass cover . To become a member ...

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Insurance for Allied Health Professionals

... of damage caused by fire, storm, malicious activity or another defined event listed in the policy. Contents insurance: Covers for damage to items such as business equipment, records and furniture belonging to you at the ...

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Insurance for the Self Employed

... business owner may need will vary according to the profession and the industry they operate in. For example, the insurance needs of a handyman are not likely to be the same as those of a real estate agent. Both face ...

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Insurance for IT Professionals

... busy programming, coding, testing, debugging or doing other techy stuff doesn't mean you can't get the right insurance. Being the IT person that you are, we don't need to convince you that getting multiple quotes online ...

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Insurance for Accountants

... data you are storing and if there was a breach of confidentiality by your system being hacked. Cyber Liability insurance helps to protect you from claims and supports your profitability in the event of a cyber breach or ...

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Professional Indemnity Insurance cost

... that around 47.5% of small business pay between $51-$100 per month for their policy. Asking how much PI insurance costs is like asking what the length of a piece of string is, as generally the cost is heavily influenced ...

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Insurance for Gift Shops

... as fire, storm, wind). Business Interruption * - could your business survive being shut for a week? This insurance will cover for financial loss as a result of an interruption to your business caused by an insured event ...

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Insurance for Tradesmen

... of your business plan to help you stay in the tradie game for the long haul. While some types of insurance may be a requirement, there are a variety of coverage options designed to protect the things that matter most to ...

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Insurance for Restaurants & Cafes

... enough to keep you busy day and night. Take the stress out of an ATO investigation with this insurance . Cyber Insurance* As a restaurant owner your exposure could be at the payment desk - with your eftpos machine hacked ...

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Insurance for Restaurants

... a melted ice-block on the floor, or a supplier tripping on the plastic mat in the prep area. Business Insurance* Even though you can't insure the ambiance you have created in your restaurant, you can insure the building ...

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Insurance for Registered Tax Agents

... fact be more than what is set as the minimum requirement. ^Minimum PI insurance requirements source from TPB tpb.gov.au/professional-indemnity-insurance-tax-agents on 8 August 2019 What could cause a PI claim? Errors and ...

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Insurance for Plumbers

... 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 loss of revenue due to business interruption in ...

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Public Liability Insurance In Adelaide

... 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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7 ways to save on business insurance

... 7. Let your insurer know about business changes Changes to your business could mean that changes to your business insurance are in order! Some changes might even result in your premiums being lowered, such as moving to a ...

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Earthmoving and Excavators Insurance

... commercial office or warehouse space where you can run your business and store your tools and equipment. Business Insurance* A lot can go wrong when you run an excavation and earthmoving business. You might decide to buy ...

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Insurance for Roofers

... give you peace of mind as you help others keep a roof over their heads. Did you know? Portable Equipment* insurance can help you protect the many different tools you need to do your job and run your business—from drills ...

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Does your lash business need salon insurance?

... devastating if you're forced to pay for them from your own pocket. But that's where lash business insurance comes in. Insurance covers the cost of many risks that you are likely to face as a lash technician. That way ...

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Benefits of insurance for small businesses

... you. Hopefully, this article has explained some of the key risks you could get protected from and how insurance can protect from financial loss so you can keep your business thriving for years to come. This information ...

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Legal Requirement for Public Liability Insurance

... or damage to a third party as a result of your business' activities. Failure in obtaining public liability insurance policy can expose a business to a range of risks. As a business, you will inevitably have interactions ...

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Insurance for hospitality business

... shops. Other types of food and beverage businesses, such as juice bars, may also be eligible for hospitality insurance. Mobile businesses that operate on the roads, such as caterers and food trucks, coffee vans, and ice ...

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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.