6 Areas You May Not Have Thought Business Insurance Covers

... it's vital to protect your business assets and revenue against potential risks ... damage. When insuring your business you should consider cover ... it's vital to protect your business assets and revenue against potential risks ... with all the other cover options offered through Business Insurance if you make ...

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The Risky Business of Insurance

... the Real Costs to Australian Small Business? Small business owners tend ... and future planning. Managing business risk and ensuring that ... substantial assets you should insure them Cyber Insurance - Protects your business against ... transparent and competitive. Online insurance experts BizCover cover over 2,000 occupations and ...

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5 Surprising Things Business Insurance Can Cover

... for Business Insurance, most small business owners typically worry about covering the major ... liabilities and top of mind assets ... little addition to your insurance portfolio. It covers the cost incurred from a ... our FREE Business Insurance Checklist here. To get instant multiple quotes from leading ...

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Dishing up the facts on food business insurance

... whether you have the right business insurance. When it comes to ... ... protection for your legal liabilities, assets and revenue if the tables ... to the business. Business Insurance offers a range of cover options to choose ...

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7 Types of Insurance Your Small Business Should Consider

... protect your assets is Small Business Insurance. But what kind of insurance do ... as there are no two businesses that are exactly ... not only covers the cost of compensation, but your defence costs as well. ... financially? Your Business Insurance will help you cover of getting your physical assets back ...

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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 to ... much cover is enough? Whether you're opening up a new business or ... have been in ... Management Liability insurance covers businesses and their directors personal assets against legal costs for allegations ... or item that is covered under the policy. Business insurance policies commonly contain ...

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Business Insurance

... ’s not?Get the right cover The business of Business Insurance Whether you have just ... effort by not protecting your business assets from unexpected events. No matter ...

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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, ... and decide what other special insurances your business needs. The little things ... business operations? Look at cover for Business Interruption. Assess your ability to cover your costs ...

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What is Business Insurance?

... for your physical assets b) Financial loss due to business Interruption There ... computers. Public Liability Insurance which covers your business against the legal costs of 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 ... online, compare quotes and buy the insurance ... However your business insurance may cover personal items If you have cover for theft ... the temptation to undervalue your assets in order to save a ...

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The Remaining Risk: What Isn't Covered and Why it Matters

... the most common issues with Business Insurance is that policy owners often ... being aware of what isn't covered should also be considered, [ .. ... delivery of a service. Business Insurance – This can cover your work premises and ... you acquire significant additional assets or change your business location. Look at ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... your insurance to ensure that if the unthinkable happens and your business ... not only have the right ... workplace or at another location. Business Insurance Tailored cover to protect your building ... Liability Protects businesses and business directors including their personal assets against legal costs for ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, cabinet makers know a thing or two. This highly skilled trade involves having an eye for detail ... of the different types of business insurances for cabinet makers to consider. ... negligent business activities.  Additionally, it will also cover legal fees and compensation costs ...

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A Close Shave with Underinsurance

Just as your business is growing and changing it ... make sure that your Insurance grows with your business and you're not ... A large number of ... she would struggle to cover costs if her business was shut for more ... Luckily, the Business Interruption insurance that Samantha had added to her cover compensated ...

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Business Interruption Insurance: Your 'Get Out of Jail Free' Card

... cripple your business and effectively 'lock up' operations. Business interruption insurance can provide ... lucky country, but sometimes your ... an 'Additional Increase Cost of Working' is included, Business Interruption insurance may take ... insured event. Business interruption insurance policies are specific, however, and don't cover every ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and sometimes ... the nitty-gritty to understand what insurance is being offered and which ... is especially ... is especially the case with Business Insurance options like Portable Equipment and ... equipment, and the final option covers the cost of replacing the equipment ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... cover in place to protect your business. Let us centre your insurance ... ... studio floor, Public Liability insurance can cover the related costs to defend such ... take out Contents Cover as part of a Business Insurance pack to protect ...

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Protect your business with Statutory Liability Cover

... different types of insurance policies available to small businesses to protect against ... However, many business owners are unaware that ... Statutory Liability insurance comes into play – designed to help cover the costs and ... Statutory Liability option* to your Business Insurance policy can help cover: Monetary ...

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5 Ways To Prepare Your Business Premises For The Cooler Seasons

... time to make sure your business premises is prepared for the ... tips can help make your business safer for the cooler seasons. ... ... heaters, is a wise investment, covering the costs of repairing or replacing ... to talk all things insurance to get your business covered with the right ...

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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 to ... ... of the most common BizCover Business Insurance customer claims, and tips on ... your machine by using keyboard covers and sleeves, some that can ...

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Is your Small Business Summer Proof?

... challenges and risks every small business should be aware of. Complete ... ... your Business Insurance you also cover for Business Interruption which can help cover your business for ... Breakdown can be covered under a Business Insurance pack; this will cover the repair ...

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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 ... with Public Liability and Business Packs (predominately covering perils and theft) increasing ... buyer of insurance and if businesses are willing to obtain multiple quotes it ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... with Business Interruption insurance to help your business get back on track by covering ... the increased costs ...

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The Easter Bunny's Guide to Business Insurance

Each year at Easter millions of kilograms of chocolate are purchased and consumed around the world. In Australia alone close to $200 million is spent on Easter chocolate ... Within a Business Insurance pack the Easter Bunny would have cover for machinery ... and the deterioration of stock, covering the cost of repairs or replacement, ...

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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 ... value on your business insurance. Cover yourself up! Check your insurance cover levels to ... BizCover who let you compare quotes from multiple insurers online or ...

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Business Interruption

What’s covered & what’s notThings to considerBack to Business Insurance Business Interruption Cover* ... of income and increased costs of operating your business caused by a ...

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Small Business Insurance Index

... strong price increases in the business insurance market, SMEs are continuing to ... increase in the cost of business insurance, the BizCover ... increase in the cost of business insurance, the BizCover SME Insurance Price Index ... Trades have seen increases in cost of cover for Portable Equipment and ...

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A guide to Plasterer's insurance that won't leave you, board

... worked hard to get your business where it is, so why ... by not having the right insurance in place? Read on to ... ... impact upon your business reputation. Luckily there's an insurance for that, so ... without a trowel. Portable Equipment cover provides cover for the repair or ...

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A Guide to PI Insurance

Professional Indemnity Insurance (PI) is difficult to comprehend, ... is to make Professional Indemnity Insurance simple (also known as errors ... Insurance ... action by covering claims made against you, including legal defense costs up ... percentage of your business insurance expenses. Typically, Professional Indemnity Insurance is a time-consuming ...

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

... to becoming a successful small business owner is one of twists, ... to help you stay in business for the long run. Strap ... ... business insurance can help keep your business alive: Public Liability is an essential cover ... Public Liability policy will cover the associated legal costs of defending your ...

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Stranger Businesses

... share with us their strange business names. Creative, left of centre, ... these businesses are definitely ones that you ... ... business name may be, at BizCover we offer a variety of insurance ... options from Australia's top insurers. Providing cover to over ...

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A $2,000 Wish for Your Small Business

Ask any small business owner about the most difficult ... aspect of running a business and you'll most likely get ... venturing down the path of business ... a small business themselves back in 2008, BizCover, an online insurance service ... free up money for other business costs” Previous BizGiver Winner – Sapphire Coast ...

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Insurance Premiums for Retailers Continue to Climb

... Climb The latest BizCover Small Business Insurance Price Index has been released ... showing an increase in small business insurance rates, with ... Climb The latest BizCover Small Business Insurance Price Index has been released ... showing an increase in small business insurance rates, with the index rising ...

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

... that the market for small business insurance continues to benefit from stability ... in insurance prices, with little movement in ... of the few ... that the market for small business insurance continues to benefit from stability ... in the last BizCover Small Business Insurance Price Index. “Insurers have managed ...

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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 to ... make the most of your business ... the jack-of-all-trades, however as your business grows, you are going to ... credit card, bank account or insurance for their business. It may ...

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Lifestyle Tradie Group trades up; next Small Business Buddy Winner

... wins the latest $2000 Small Business Buddy Wish from BizCover Insurance. ... latest winners of BizCover's Small Business Buddy Wishes, with a brand ... initiative of BizCover, an online Business Insurance service that has partnered with ... years have embraced our online insurance services over more traditional methods ...

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Small Business Continues to Win on Insurance Prices!

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

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Latest Small Business Buddy Winner: Evermore Memories

... Latest Winner of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a ... new unique business based in Geelong Victoria, is ... latest ... Latest Winner of Bizcover.com.au 'Small Business Buddy Program' Evermore Memories, a ... camera. BizCover, Australia's leading online business insurance service, started the $2000 monthly ...

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Childers Local wins the latest Small Business Buddy Grant

... HAND TO CHILDERS LOCAL PET BUSINESS Meet the latest winner of ... the Bizcover $60,000 Small Business Buddy Program Grant Queensland,February 17 ... animal lover, Hannah started her business (www.facebook.com/hannahshandypetcare) as a way of ... years have embraced our online insurance services over more traditional methods ...

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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 ... capacity and competition in the insurance market over the last few ... down the price of professional/business insurance for Australian SMEs. Since the ...

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A roadmap to staying in business for the long haul: Part 1

... that developed into printing some business cards and before you knew ... easy feat, getting your own business up and running is an ... ... keep your personal finances and business accounts separate Tune in to ... a personalised approach makes your business humanised and helps to connect ...

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BizCover Customers' Top Tips To Grow A Business

... in order to grow your business once you've taken that plunge? ... ... anticipating a better year of business in 2019 accredits their continued ... the person behind the small business they are supporting.” One Management ...

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How much does Business Insurance cost?

... Public Liability cover in a Business Insurance pack. The beauty of Business Insurance is that ... their Business Insurance Pack? The average cost of a Business Insurance package for retail business is ...

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5 Common Beauty Insurance Claims

As much as we like to hope otherwise, unexpected events happen! Things can go dreadfully wrong despite the best efforts we take to prevent them and the simplest of setbacks ... “Thankfully my Business Insurance policy included building and contents cover”, says Sarah. ... about is paying hefty legal costs should an unwanted accident occur. ...

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Business Insurance FAQs

... insurance easy to understand. Get Free Quotes Ready to sort out your Business ... us. Get the right cover by comparing quotes from Australia's leading insurers ...

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5 Reasons To Review Your Business Insurance This Christmas

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

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Business Insurance the Smart Way

... for small business We help clients compare and buy cover that suits ... small businesses - over 6,000 occupations. BizCover instantly provides multiple insurance quotes online ...

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Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... wide range of potential risks. Insurance for market stall holders is ... Public Liability Public Liability covers you for the costs that arise from ...

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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 ... by Australia's first online Small Business Insurance Comparison Site, is a $2000 ... effort has been worthwhile.” “The cost of producing labels represents a ...

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The State of Small Business

It's that time of the year again, when we dust off the blue and maroon jerseys and battle it out on the footy field for the prestigious title of State of Origin champions ... charges (17%) Rising overhead &utility costs (15%) QLD's top three constraints: ... pain points, including: Building the business and getting new customers– Problems ...

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3 Foodie Businesses Share Their Recipe For Success

A squeeze of passion, a pinch of pizazz, a dollop of hard-work and an appetite to succeed are just some of the staple ingredients that go into running your own food business ... only one but two food businesses in the North Queensland city ... into rolling a successful food business – these are some of the ...

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Machinery Breakdown

... covered & what’s notThings to considerBack to Business Insurance Machinery Breakdown This insurance covers ... the cost of repairing or ...

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Professional Indemnity Claims: when should I notify my insurer?

... (PI) insurance is no doubt one of the most vital covers you ... assistance for legal and compensation costs in the event of action ... against ... (PI) insurance is no doubt one of the most vital covers you ... assistance for legal and compensation costs in the event of action ...

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Statutory Liability

What’s covered & what’s notThings to considerBack to Business Insurance Statutory Liability ... This option covers the costs and expenses ...

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Portable Equipment

... notThings to considerBack to Business Insurance Portable Equipment This insurance cover provides repair or ... covered building? Your insurer may distinguish between these two. ← Back to Business Insurance ...

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World Snake Day Customer Spotlight

Here at BizCover we find ourselves insuring all kinds of different businesses. From caf owners and electricians to personal trainers and reptile rescuers. Today, on World ... as a business and charge a small fee to cover the costs involved. ... ” Fast forward to today and Tony now runs the business ...

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When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and ... explaining the basics of flood cover (through the policies available on .. ... take out cover for your building, contents and/or stock a Business Insurance policy ... need to request a quote for including cover for flooding. Requests for ...

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

... into creating your butcher shop business starting with the early days ... ... run your business each day quickly add up and would cost an ... action. Machinery Breakdown cover is available under a Business Insurance pack and provides ...

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Prevention & Protection - The Big Burglary Buffers

... despair that follows. Having your business burgled or robbed is a ... ... is your accountant, as security-related business costs are generally deemed to be ... even smarter. Theft cover is actually a type of business insurance and is ...

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Pooches Playroom - Customer Spotlight

Here at BizCover we cover a huge variety of businesses. ... ... people start up their small business called NEIS. After looking into ... fun!!!” *BizCover is the preferred insurance partner of the NEIS (New ...

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Young Penrith Entrepreneur Recognised in National Grant Competition

... as one of the top businesses in the area at the ... Penrith Local Business Awards and won the BizCover ... BizGiver Business Grant. Kaydee ... program, is Australia's top online business insurance serviceand revolutionised the industry when ... finally allowing small businesses to quickly compare multiple business insurance quotes for free online ...

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Customer Spotlight: Cazeil Creative

... Cazeil Creative, a versatile photography business from the Blue Mountains. The ... business has built its name capturing ... ... Business was only weeks old when I was contracted to cover a ... trader, insuring my business is almost mandatory especially to cover my equipment ...

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Despite Insurers Talk, Premiums Won't Walk

... Talk, Premiums Won't Walk SME Insurance Premiums Stay Flat Over the ... 5 quarters the BizCover Small Business Insurance Price Index (Graph 1) has ... 5 quarters the BizCover Small Business Insurance Price Index (Graph 1) has ... property related insurance which is more commonly bought by those businesses with ...

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BizGiver finds it's latest winner in Wild Forage

... crowned; Wild Forage, a small business supplying seasonal wild edible plants, ... ... ” The grant, started by BizCover Insurance in 2014, has given away ... the small business community, who have embraced our online insurance services over ...

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Pet Stays, becomes the 32nd BizGiver winner

... BizCover Insurance's BizGiver $2000 Small Business Grant, winning an SEO package. ... ... BizCover Insurance's BizGiver $2000 Small Business Grant, winning an SEO package. ... the small business community, who have embraced our online insurance services over ...

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Creative Agency, Hustle Workshop is the latest BizGiver Winner

... winner of bizcover.com.au $2,000 small business grant has been announced. Hustle ... win the $2000 BizGiver Small Business Grant, receiving a new ... winner of bizcover.com.au $2,000 small business grant has been announced. Hustle ... BizCover, Australia's leading online business insurance service, started the $2000 monthly ...

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Pure Flowers wins the latest BizGiver

... FLORIST HAS WON BIZCOVER'S $2000 BUSINESS GRANT AND WILL NOW BE ... ... success.” BizCover, Australia's leading online business insurance service, started the grant of ... supplier guides to promote local businesses that provide floral related services ...

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ET Circus is the latest winner of the BizGiver Grant

... Circus, a much loved entertainment business in the sunshine coast community ... ... Circus, a much loved entertainment business in the sunshine coast community ... grant. BizCover, Australia's leading online business insurance service, started the grant of ...

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100,000th Customer Spotlight - MB's Lawnmowing

... now have over 100,000 small businesses insured through our service. Since ... to help as many small businesses to do the same. To ... ... now have over 100,000 small businesses insured through our service. Since ... attracted you to purchasing your insurance through BizCover? “To be honest, ...

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Scooter & Jinx wins BizGiver Grant

... WINS THE BIZGIVER $2000 SMALL BUSINESS GRANT. Tucked away in Little ... ... most new small business owners can attest to, setup costs can and ... 2014, over $60,000 in Small Business wishes have been granted; everything ...

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Kate Owen Gallery wins BizGiver Grant

... WINS BIZCOVER'S 24TH $2000 SMALL BUSINESS GRANT AND WILL RECEIVE A ... for supporting indigenous artists. The business [] ... for supporting indigenous artists. The business success has reached such a ... BizGiver initiative, started by BizCover Business Insurance, has given away over ...

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Customer Spotlight - Lucid 8 Unisex Apparel

... customer Laura Vogt and her business Lucid 8 Unisex Apparel. Laura ... ... the word 'Entrepreneur' meant in business studies at school and thinking ... leading catalysts which propelled my business into popularity,” When asked what ...

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Studio Lane Hair Boutique wins the 38th BizGiver Competition

Giving back to the small business community is something we're immensely ... competition, where one lucky small business owner has the chance to ... Giving back to the small business community is something we're immensely ... competition, where one lucky small business owner has the chance to ...

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Customer Spotlight: Sunshine Confectionery Outlet

... our customers who's in the business of appealing to our sweet ... Willy Wonka to rethink his business model, Stuart and Denise Mulholland ... ... Willy Wonka to rethink his business model, Stuart and Denise Mulholland ... finally, “seek advice from a business coach prior to commencement.” Sunshine ...

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10-Year Customer Spotlight: Circul8

... says she first started the business [] ... how she would describe the business in a nutshell, Alana said ... she would offer to aspiring business owners, she had this to ...

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Customer Spotlight: MetaPeople

... career management company with a business partner. Then, on an outback ... ... career management company with a business partner. Then, on an outback ... what they do and supporting businesses to achieve great things with ...

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Customer Spotlight: PerfEx Consulting

... as starting his own successful business PerfEx [] ... as starting his own successful business PerfEx Consulting. PerfEx Consulting is ... his business. “I insure my business with BizCover to de-risk my ...

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Employment Practices Liability

What’s covered & what’s notThings to considerBack to Business Insurance Employment Practices ... and potential cost of claims taken against them by employees. Covered claims ...

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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.