How much does Business Insurance cost?

I am a RetailerI am a Food Business Owner How Much Does Business Insurance Cost? Business Insurance, sometimes referred to as a Biz Pack, is an insurance policy designed to combine protection from property and liability ...

read more

Business Insurance in Geelong

... C. 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 ...

read more

Business Insurance in Townsville

... with service.” Scott M., Gardener How much does business insurance cost? On average, small businesses in Townsville pay $91.55** per month for their business insurance package. Business insurance is one of the most ...

read more

Business Insurance in Melton

... a cover.” Nixon N. Church Operation How much does Public Liability insurance cost? On average, small businesses in Melton pay $79.55** a month for their business insurance package. Business insurance is one of the most ...

read more

Business Insurance in Cairns

... taking time to go over the options and explained details I didn’t quite understand. Just took the hassle out of the experience. Professional.” Sharron W. Disability Services Provider How much does Business insurance cost ...

read more

Business Insurance in Bundaberg

... to answer any questions I had. Also had my insurance sorted out under 20 minutes which was fantastic. I know exactly what I’m paying for, and any fees involved.” Gemma C. Mobile Food Van Operator How much does Business ...

read more

Business Insurance in Newcastle

... Cleaning Services in Newcastle How much does Business insurance cost? On average, small businesses in Newcastle pay around $71.06** per month for their business insurance package. Business insurance is one of the ...

read more

Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... don't always go to plan, some things happen which ... your business and your bottom ... big impact on the running of your business and your bottom line. Whilst you've got the insurance to help you out, you'd ultimately rather avoid the disruption to your business that these unexpected events can cause, that ...

read more

Business Insurance

... service at excellent. Download Business Insurance Fact Sheet 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 ...

read more

Business Insurance on the Gold Coast

... I hope I never need to make a claim, I feel confident he would make my interaction as painless as possible if I did. Thank you.” Anna-Marie W. Pottery manufacturer How much does Business insurance cost? On average, small ...

read more

Business Insurance in Parramatta

... .” Amy E. Real Estate Agent How much does Business insurance cost? On average, small businesses in Parramatta pay $71.30** a month for their business insurance package. Business insurance is one of the most popular ...

read more

Business Insurance in Toowoomba

... to me perfectly. Nice work Nina.” Jessica O., Filmmaker How much does Business insurance cost? On average, small businesses in Toowoomba pay $60.97** per month for their business insurance packages. Business insurance ...

read more

Business Insurance in Wollongong

... to deal with, she was very friendly and understanding that this was one of my first experiences with insurance. I felt confident with my great deal.” Patricia B., Beauty Salon Owner How much does Business insurance ...

read more

Business Insurance in Launceston

... with for 15 years, who didn’t want to know us! So ‘good-bye’ to them and hello BizCover!” Anne G. Bookkeeper How much does Public Liability insurance cost? On average, small businesses in Launceston pay $52.8 **for their ...

read more

Business Insurance in Mackay

... .” Leonard Z. Commercial Cleaner How much does Public 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 ...

read more

Business Insurance on the Central Coast

... . No question was ever to hard for them to answer. Great service.” Tina W. Heavy Machinery and Equipment Repair and Maintenance How much does Business insurance cost? On average, small businesses on the Central Coast ...

read more

Business Insurance in Bunbury

... out over and beyond to provide me with answers to my questions. Scott was very professional and provided excellent customer service.” Cherana A. Management Consultant in Bunbury How much does Business insurance cost? On ...

read more

What is Business Insurance?

... you for loss of income due to material damage within your business. Do I really need Business Insurance? If your business has premises, you have purchased items in order to run your business (onsite or offsite) or you ...

read more

Business Insurance FAQs

... 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 comparing quotes from ...

read more

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 ...

read more

Dishing up the facts on food business insurance

... time to be left worrying about whether you have the right business insurance ... . When it comes to insuring your small food business ... $75 per month for their Public Liability insurance policy. That's a wrap! No need to get into a jam when it comes to arranging insurance for your food business. Take some time to think about the things that keep your ...

read more

How to survive the silly season: a guide for small businesses

... year, from retailers helping people get their last-minute gifts and ... therapists, booked out with appointments, to the many cafes and restaurants ... out any issues before things start to get busy again. Take the time to review your insurance policy and make sure you have the right cover in place. If you have made changes to your business, for example, purchased new ...

read more

How to Kickstart Your Best Year in Business

... it is a great time to get your business ready for a successful ... year. Taking the time to review some ... bad habits doesn't need to ... efficient way to get menial tasks done without spending a fortune. Insurance One of the most important elements to keeping your business safe is having the right business insurance policies in place to protect it ...

read more

Business Insurance Guide for the Self-Employed - Part 3

When it comes to fine print in the world of business insurance, it can ... guide, we go back to basics with Business Insurance and the main ... closures Losses due to breakdown in equipment or machinery This is Eliza's story on how a violent storm swept through her Sydney hair salon, Blondies, in 2017. Her Business Interruption insurance helped keep her ...

read more

Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, ... and buy the insurance that suits your business ... home and contents insurance policy might not cover all the liabilities related to your business. As an example ... sort of cover you want for your business, and how much cover to get, there will be some instances where a ...

read more

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

Getting a quote can be done ... a business, it is absolutely essential that you look to see how you ... can protect yourself and your assets Getting a quote can be done online and only takes a few minutes. If you run a business, it is absolutely essential that you look to see how you can  protect yourself and your assets with business insurance. However, ...

read more

Beauty to go! What Mobile make-up artists need to know about insurance

There are some obvious pros to working as a mobile freelance ... the hours you work, you get to work with a wide range ... ... artist - you have control over the hours you work, you get to work with a wide range of clientele, and you can build ... even months to recover, how would your business survive? Personal Accident and Illness insurance is a ...

read more

6 Areas You May Not Have Thought Business Insurance Covers

... . So it's vital to protect your business assets and revenue against ... risks that may impact your business, such as fire, storms, theft . ... business premises. How would manage if your stock was destroyed or stolen? Would you be able to continue running your business ... your Business Insurance policy can also provide cover for money that belongs to your business ...

read more

The Easter Bunny's Guide to Business Insurance

... world. In Australia alone close to $200 million is spent on ... denying that Easter is big business. In the Easter game, the ... ... how careful or how closely food safety regulations are followed, there is still a risk of contamination. If his stock were to get contaminated, it would likely result in illness to ... Within a Business Insurance pack the ...

read more

5 Reasons To Review Your Business Insurance This Christmas

... stressful!) time for many small businesses. Come December the big Christmas ... - orders to be completed, sales to be made, projects to ... getting goods in transit cover as part of your business insurance. If you already have cover you may need to ... break-in, but also think about your machinery when calculating how much cover you need and if you have a big ...

read more

Cabinet Makers: How to get noticed and increase your customer base

It's not easy to get your business noticed, either online or by ... , there are plenty of other businesses all vying for attention in ... make ... this may be more difficult for some businesses over others, below are some foolproof tips for your business to get noticed in the digital space. Set Up a Google My Business Listing Google is the search engine of choice ...

read more

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

... complex. You've worked hard to get your business where it is, so ... having the right insurance in place? Read on to discover the key ... You've worked hard to get your business where it is, so why would you risk seeing it crumble by not having the right insurance in place? Read on to discover the key types of insurance you need to consider as a plasterer ...

read more

New Territory - how to adapt your real estate business during COVID-19

... and now is the time to get on board with new strategies ... , insights and ideas to adapt your real estate business through this challenging ... staging guidance, video tours of properties and how they can connect with your business to receive newsletters and updates. Virtual realty An innovative way to get around government restrictions is by harnessing the ...

read more

Survival of the Fittest - How Your Fitness Business Can Adapt

... gyms and fitness studios due to COVID-19 has forced personal ... up with new ways to keep their businesses running. Take a look ... the fitness ... used so anyone at home could get involved. Keep your insurance While you can't control when things will return to normal, you can control how to protect your business. Ensure your insurance policy is in place, paid ...

read more

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

... your business there are a few things to keep in mind before getting ... all hands back on deck. Check the rules Business.gov.au has ... and what needs to change for your business but don't be afraid to get creative. If you need some inspiration, check out how these Aussie businesses thought outside the square to keep their business going. Plan Having ...

read more

How to hire quality tradesmen for your small business with Oneflare

... hiring tradesmen for your small business, you don't have any ... you don't know where to start looking or what you ... need to be looking ... are two different types of insurance to look out for. Public Liability Insurance This is the most common and essential form of insurance for tradespeople. It covers the business and their employees against property ...

read more

5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... you can get cover for most risks that a small ... 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 leading insurers visit BizCover ...

read more

iSelect partners with BizCover to launch business insurance comparison

... has expanded their general insurance offering to include business insurance, through a partnership with ... full end-to-end online ... a traditional, paper-based model of getting insured is a frustrating experience. BizCover's purpose is to make it easy for SMEs to understand, compare and buy business insurance in minutes.” Gottlieb added “We are ...

read more

Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing ... 've created a guide to business insurance for the self-employed that ... types of cover ... is why we'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 ...

read more

Business Insurance Guide for the Self-Employed - Part 1

... The freedom, the opportunity to pursue your passion and being ... for success. Any solid business plan should have a focus ... strategies and protection ... litigated could exceed $25,000. If you need to sort out your business insurance or find out more, get in touch with the friendly BizCover team to experience insurance made easy. Receive multiple quotes from some of ...

read more

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 ...

read more

Business Insurance Guide for the Self-Employed - Part 4

... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share ... self ... more? Give us a call or jump online to discover a variety of business insurance options to help protect your business. At BizCover we're all about making insurance easy and hassle-free, providing multiple quotes from ...

read more

Getting the Best Value on Your Business Insurance

... , you will probably have resolved to be a bit smarter with ... ! Whilst we are not qualified to draw up a savings plan ... ... a savings 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 ...

read more

Small Business Insurance Index

... increases in the business insurance market, SMEs are continuing to benefit from flat ... in the cost of business insurance, the BizCover SME ... “SMEs face significant pressure when it comes to business related costs, and in a time where most other costs are increasing it is great to see that their insurance costs remain stable when purchased through the ...

read more

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 ... therefore it is unlikely insurers will be able to continue to further push premium rates up. It is a great time to be a buyer of insurance and if businesses are willing to obtain multiple quotes it is likely they could ...

read more

Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... to pricing gains made last quarter. The latest Quarterly BizCover Small ... in some rates, some insurers 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 ...

read more

Insurance for Real Estate Agents

... you should consider Business Insurance to help ensure you are adequately protected: Do you own an office or have business contents within your office? Do you rely on computing equipment/servers to get your work done ...

read more

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

Know you need business insurance but aren't sure how to get started? Which policy is ... right? How much cover ... business or have been ... need business insurance but aren't sure how to get started? Which policy is right? How much cover is enough? Whether you're opening up a new business or have been in business for a while and looking to buy insurance for ...

read more

5 Tips for an Insurance Health Check

... your insurance is due for renewal or you are just wanting to ... do a general review of your business, it's ... worth taking time to< ... I'm operating? Having the right types of insurance for your business is essential. If something goes wrong you will want to ensure that you have cover to help you get back on track. Below are some common types of ...

read more

7 Types of Insurance Your Small Business Should Consider

... things you need to protect your assets is Small Business Insurance. But what ... kind of insurance do you ... all' when it comes to ... types of cover you need to protect your livelihood. Business Insurance explained. Business Interruption Have you ever stopped to consider how your business would survive should it suddenly come to a grinding halt? If a ...

read more

Insurance for Furniture Manufacturers

... own business, there is a lot to consider, like protecting your business if ... go wrong. This is where business insurance comes into ... and even stock. You've put in the hard yards to get your business up and running, so without your business assets, how are you going to earn an income? Having suitable business insurance in place can help safeguard your ...

read more

Insurance for Civil Engineers- what you need to know

... the hard-yards to build your engineering business, so it's ... important to think about what kinds of business insurance coverage you ... when it comes to protecting your business for the long haul. The world of business insurance can feel a bit overwhelming, but fortunately, it doesn't have to be. Understanding these key risks and how you can be ...

read more

What are the Insurance Options for Land Surveyors?

... have the potential to lead to legal action. Due to the nature of ... yourself and your company with insurance is a smart investment ... public can occur. Business Insurance To protect your office or place of business from damage or loss, Business Insurance for land surveyors is another smart policy to consider. Business insurance can be customised for ...

read more

Insurance for Personal Trainers

... unwanted personal injury or property damage claim arises. Business Insurance* If you own expensive fitness equipment then it might be worth considering Business Insurance to cover against loss, damage or theft.  It can ...

read more

Insurance for Massage & Alternative Therapies

... you can continue running your business without any worries. 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 ...

read more

Insurance for Psychologists

... criteria will apply.  Get a hassle-free quote for your business here. Insurance for Psychologists Professional Indemnity* Psychologists work hard to hone their professional expertise and to build a reputation ...

read more

Insurance for IT Professionals

... stock? Do you rely on computing equipment/servers to get your work done? If the answer to any of these questions is yes, you might want to consider Business Insurance for coverage of one or more of building, contents ...

read more

Insurance for Gift Shops

... operate through a shop, you want customers in your store. Public Liability insurance is designed to provide protection for you and your gift shop business in the event a customer, supplier or a member of the public is ...

read more

Insurance for Hair & Beauty Services

... to offer you business insurance, a cut above the rest. With just a few clicks or a phone call, you'll get ... landlord require you to have a particular level of Public Liability? How much would it cost to replace your stock, ...

read more

Insurance for Finance & Mortgage Brokers

... & Finance Brokers need Insurance? We're sure we don't need to convince you that getting multiple competitive quotes from some of Australia's leading insurers is a smart way to get your business covered. Quotes available ...

read more

Insurance for Consultants

... -changing way to get your insurance. With just a few clicks or a phone call, you'll get multiple competitive ... your business assets? Business Insurance is an insurance package designed to provide cover for your business ...

read more

Insurance for Architects

... insurance for architects. With just a few clicks or a single phone call you can get covered instantly, so the only thing that needs to ... Business Insurance is an insurance package designed to provide cover for your business ...

read more

Insurance for Cafes

... . Glass*- This type of insurance covers you for damage to glass and signage at the insured business location. Business Interruption*- Do you worry about how you would continue to keep your business open and feed your ...

read more

Insurance for martial art teachers

... assets may be at risk. Even more reason to have appropriate insurance to protect you and your business! Insurance for martial arts teachers Professional Indemnity Insurance* However careful you may be there is always ...

read more

The Risky Business of Insurance

... Real Costs to Australian Small Business? Small business owners tend to be ... and future planning. Managing business risk and ... or become ill as a direct result of their job. Any business with employees are required to have WC How you buy insurance can save you time and money Shopping around to compare what's covered is an important part of the ...

read more

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 ... luck- that lead to public liability claims. Some of her recent cases demonstrate how quickly chance can ... very important as a small business to get insurance because, without it, a business has no protection if someone ...

read more

BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... online insurance model that connects independent professionals and small businesses to critical ... Professional Liability (E&O) insurance ... will find no easier, more affordable, more convenient way to procure reliable Professional Liability (E&O) insurance. BizInsure - business insurance just got smarter! About BizInsure BizInsure is the most convenient and ...

read more

Insurance for architects- the blueprint to success

... with the first draft sketches to the final inspection of your ... ... 's a light at the end of the tunnel with Business Interruption insurance to help your business get back on track by covering the increased costs of running your business and lost revenue while it is out of action due ...

read more

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

Your business property is like your home ... 're in the business of providing expert advice to clients or serving ... , like fire, storm or vandalism ... As with most types of insurance policies, there are a number of factors that affect how your premium is calculated. Generally, the higher the level of risk that your business is exposed to, the higher the cost of ...

read more

Insurance for Allied Health Professionals

... or a single phone call, you'll get multiple competitive quotes from some of Australia' ... insurance provided under your Home and Contents insurance may exclude claims relating to your business activities. Business Insurance ...

read more

Insurance for Car Wash and Auto Detailers

... of trade and items of stock. Personal Accident and Illness insurance* Take the time to think about how your business would function if you were unable to work due to an injury or illness. Could you still generate an ...

read more

Insurance for Pet Professionals

... from Hobart to Hamilton Island! Insurance for pet professionals Public Liability No matter how much ... to a dog in your care. Business Insurance Business Insurance* is a package designed to provide cover for your business ...

read more

Insurance for Plumber

... business insurance doesn't need to be draining. At BizCover, we take the annoyance out of organizing your insurance by providing hassle-free quotes from multiple insurers. Take the plunge and get your business insurance ...

read more

Insurance for Carpenters

... has never been easier. Whether it's getting your Public Liability insurance sorted or protecting your valuable tools, having a plan in place to protect your carpentry business is a solid investment. At BizCover we ...

read more

Insurance for Sole Traders and Self Emplyed

... to consider is Public Liability insurance. Public Liability insurance* is designed to provide protection for you and your business ... required to get the job done. Some industries have mandatory insurance requirements, ...

read more

Insurance for Land Surveyors

... . Before you utter your words of advice, consider protecting your surveyor business with Business Insurance. Did you know? Be sure to consider Business Insurance to cover your expensive equipment when out in the field ...

read more

Insurance for Convenience Stores

... take years to settle. Fortunately, Public Liability insurance can provide you and your business peace of mind when you need it most. Business Insurance* You rely on your business assets to drive business through your ...

read more

Insurance for Butcher Shops

... get snagged, get covered. Business Insurance can be tailored to suit your business ... business relocation costs and the training costs for operators of replacement machinery. Personal Accident & Illness* No matter how ...

read more

Insurance for Professionals

... that could leave your bank account a little worse for wear. Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event ...

read more

Insurance for Retailers

... be covered instantly, so you can continue getting down to business. Did you Know? Commercial leases often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a requirement that ...

read more

Insurance for Furniture Manufacturers

... and even stock. You've worked hard to get the business up and running and without your business assets, how are you going to earn an income? Having the appropriate business insurances in place can help safeguard your ...

read more

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

... issues with Business Insurance is that policy owners often fail to understand what ... ... try to lodge a claim - is a painful way to learn. Business owners also need to stay engaged in the insurance process. Insurance ... damage. You should also be familiar with how much you're covered for. Using Professional ...

read more

Public Liability Insurance for Cabinet Makers

... up your tools. Protecting your business against unplanned challenges, like an ... with the right kind of business insurances in place. Regardless ... . At BizCover we care about helping Australia's small businesses get protection. We deliver hassle-free insurance solutions for cabinet makers, so when things don't go to plan (knock on wood) you have peace of mind ...

read more

Professional Indemnity Insurance for Civil Engineers

... , considering Professional Indemnity insurance to protect* you and your business from [] ... with a claim can be crippling, and potentially enough to send you out of business. Below we'll explore Professional Indemnity insurance and how it can apply to your work as a Civil engineer. Civil Engineering risks ...

read more

Business Interruption

... for loss of turnover. Small business owners often underestimate how 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 ...

read more

Insurance for Marketing Consultants

... your clients visit you, or you are getting your dose of vitamin D by heading out to meet them, Public Liability insurance is important to your business. It is designed to provide protection for you and your marketing ...

read more

Insurance for Manufacturers

... your preferred policy and get covered instantly, so you can get back to managing your production line. ... liable. Management Liability insurance* is designed to provide protection to both the business and its directors ...

read more

Insurance for pharmacy and pharmacists

... . That's why it is important to ensure you have the right insurances in place to protect your business when things take an unexpected turn for the worst. Our insurance options for pharmacies can provide protection ...

read more

Insurance for Restaurants

... alleged or actual wrongdoing. Tax Audit* As a restaurant owner you have enough to keep you busy day and night. Tax Audit Insurance covers a business for specified costs in the event that it is selected by the Australian ...

read more

Insurance for Lawn Mowing Services

... and care when getting the job done, accidents can still happen, even on the smallest jobs. That's where Public Liability insurance comes into play, an essential insurance to protect your business for the legal ...

read more

Insurance for Project Managers

... Indemnity insurance covers you anywhere in Australia.   Get the cover for your business ... insurance is important to your project management business. It is designed to provide protection for you and your business ...

read more

Reviews related to how to get business insurance

  • product knowledge and advice are excellent

    Frank F
    Other

  • Easy to read understand and follow

    Tui d
    Other

  • Easy As!! Thank you

    Casey W
    Entertainment

  • EASY CONVENIENT!

    HONGWEI Z
    Travel

  • Excellent Customer Service

    Trevor C
    Other

Get instant quotes

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.