How much does Business Insurance cost?

... below graph, it is clear to see that Public Liability insurance is the most popular taken out by retail ... taken out by food businesses Like retailers, Public Liability insurance is the most popular cover options taken ...

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What is Business Insurance?

... against burglary, theft and accidental damage of office equipment, such as chairs, desks and computers. Public Liability Insurance which covers your business against the legal costs of a claim for injury or damage to ...

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Business Insurance in Parramatta

... A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit ...

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Business Insurance in Wollongong

... can vary greatly. This is due to several factors including:  Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several factors ...

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Business Insurance in Launceston

... A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit ...

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Business Insurance in Bundaberg

... Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability ... my insurance sorted ...

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Business Insurance in Bunbury

... circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. Business Insurance is an insurance package designed to provide cover for your business ...

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Business Insurance in Melton

... A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit ...

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Business Insurance in Toowoomba

... A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit ...

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Business Insurance in Townsville

... A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit ...

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Business Insurance in Mackay

... A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit ...

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Business Insurance on the Gold Coast

... A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit ...

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Business Insurance in Geelong

... A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit ...

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Business Insurance on the Central Coast

... pay around  $ 68.66 a month **for a  Business insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is arguably important for almost every ...

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Business Insurance in Cairns

... A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit ...

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Business Insurance in Newcastle

... Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability ... your insurance is ...

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Business Insurance

... 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 ...

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Common Small Business Insurance Claims and How to Prevent them.

... . Whilst you've got the insurance to help you out, you ... ... and your bottom line. Whilst you've got the insurance to help you out, you'd ultimately rather avoid ... broken freezer, investing in a backup generator. Liability Claims Another common claim seen all too often is ...

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Business Insurance FAQs

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

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Statutory Liability

... What’s covered & what’s not Things to consider Back to Business Insurance Statutory Liability* Statutory Liability insurance covers the company, senior management and employees for allegations of wrongful breaches ...

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Business Insurance Guide for the Self-Employed - Part 3

... in the world of business insurance, it can feel like you ... guide on all things Business Insurance for the self-employed. In ... back to basics ... to suit your business and protect it from potential risks . A way to look at what business insurance options your business may need is by gauging what you couldn't afford to be without. These are ...

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Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... of the main types of business insurances on the market . Starting with Public Liability insurance. What is Public Liability Insurance? Public Liability insurance  provides protection* for  you and ...

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iSelect partners with BizCover to launch business insurance comparison

... expanded their general insurance offering to include business insurance, through a partnership ... , Australia's leading small business insurance ... with BizCover will focus primarily on SME owners who are looking for either the convenience of managing their business insurance online or the ability to custom-tailor their cover to their specific business needs ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... a disaster was to strike? Fortunately, there's an insurance policy for that! With a whole menu full of ... more than a few boxes of groceries! Public Liability insurance is designed to protect your business against ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... things such as their legal liabilities and top of mind assets ... ... you have your Public Liability cover in case a customer or member of the public is hurt or ... store sensitive information about your employees or clients you're an exceptionally prime target. Cyber Liability insurance ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... lower premium. To put this in perspective, a public liability policy for an SME working from home generally costs ... business is on the move and changing and so your insurance needs will also be changing and you'll want to ...

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Home Based Business Insurance

... Photographer Writers Web developer Insurance for Home Based Businesses Public Liability* One of the basic insurances to consider is Public Liability insurance. Public Liability  insurance is designed to ...

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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 the ... is ... income. Cyber Liability What is Cyber Liability insurance? Cyber Liability insurance* is designed to ... platform Communicating via email If you handle or store customer data Use an EFTPOS machine for retail ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... created a guide to business insurance for the self-employed that ... and outs ... a bit easier . We've created a guide to business insurance for the self-employed that profil es the main types ... Intentional damage   Contractual liabilities   Your p rofessional ...

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6 Areas You May Not Have Thought Business Insurance Covers

Your business is your livelihood. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, storms ... continue running your business? Stock can include merchandise stored on your premises, floor and trading stock, ... essential covers such as Public Liability and Professional Indemnity insurance to ensure you are ...

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Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... both sectors saw no changes to the cost of their Public Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance over the last few years, however this year the increases ...

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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 ... today. If you have downsized your team or you are earning less money you may be able to make a saving on your insurance. Also if you are no longer doing certain business activities - you may be able to take them off your ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... BizCover Small Business Insurance Price Index has shown insurance rates ... the non professional sector, primarily around Public Liability and Business Packs (predominately covering perils ... abundance of capacity and fierce competition in the insurance market, insurers have managed to hold onto ...

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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 ... the first increase seen in 10 quarters. This brings the insurance rates back to the same level as Q4 2013/14 ... rates in the non professional sector with Public Liability and Business Packs (predominately covering perils ...

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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 ... more seasonal injury caused by a sinister Christmas decoration. Now's the time to make sure you have Public Liability insurance , and if you do have it, ensuring you have adequate cover. 2. Increase in stock Next ...

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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 ... if the hunt was organised as a public event, it could also represent a public liability risk, for which the Easter Bunny has ... that the eggs are stored in stop working? Within a Business Insurance pack the Easter Bunny ...

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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... to consider insuring your assets, your revenue, and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based businesses. It covers you and ...

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Insurance for Furniture Manufacturers

... wrong. This is where business insurance comes into play and should ... . The process of arranging your insurance can feel overwhelming at times . ... you want is a liability claim. Public and Product Liability (often sold together) are two types of business insurance to think about when protecting your business. Public Liability  insurance is  intended to ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... Public Liability insurance Civil Engineers should also consider Public Liability insurance. Public Liability insurance ... . Cyber Liability Insurance If your engineering business relies on storing sensitive client ...

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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 ... while and looking to buy insurance for the first time; there ... ... been in business for a while and looking to buy insurance for the first time; there are a few questions you ... areas of cover available to businesses. Public Liability insurance covers against the legal costs for ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... a leading-edge online insurance model that connects independent ... critical Professional Liability (E&O) insurance solutions. With unprecedented ... model that connects independent professionals and small businesses to critical Professional Liability (E&O) insurance solutions. With unprecedented convenience, reliability, and transparency, BizInsure is an end-to-end ...

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Insurance for Gift Shops

... of a commercial lease agreement Insurance for Gift Shops Public Liability Insurance* If you operate through a shop, you want customers in your store. Public Liability insurance is designed to provide protection ...

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Insurance for Allied Health Professionals

... , you are always in close contact with them, making Public Liability insurance important for allied health professionals. Public Liability insurance is designed to provide protection for you and your business ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a health check of your insurance to ensure that if the ... ... worth taking time to do a health check of your insurance to ensure that if the unthinkable happens and your business ... to consider upping the level of your Public Liability insurance. Similarly, take into account any ...

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The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small business owners tend to be juggling many balls - managing clients, cash flow, staff, stock and future planning ... have” insurance: Public Liability – protects against legal and court costs in the event that someone is injured, or has their property damaged while you are providing a service to them. Every business should have PL ...

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Public Liability Insurance Scenario

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss ...

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Insurance for Retailers

... on the insurance policy. Insurance for Retailers Public Liability Insurance* Public Liability insurance is an important type of insurance cover for retail shop owners. Public Liability insurance is designed ...

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Insurance for Furniture Manufacturers

... to manufacturers/suppliers who fail to comply with mandatory safety standards. Insurance for Furniture Manufacturers Public & Products Liability* There are a variety of risks that you are potentially exposed ...

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Insurance for Real Estate Agents

... often visiting your client's properties. Public Liability insurance is designed to provide protection for you ... an income? Cyber Insurance* Consider the client data you are storing and the implication ...

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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 ...

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Insurance for Car Wash and Auto Detailers

... piece of your equipment to trigger a claim . T hat’s where Public Liability insurance comes into play. Public Liability insurance is designed to protect your business in the event a customer, supplier or ...

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Insurance for Pet Professionals

... control could cause injury to a member of the public and trigger a claim. That's where Public Liability insurance comes into play. Public Liability insurance *  is  designed to provide protection for you ...

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Insurance for Carpenters

... charged by you to complete the job. Insurance for Carpenters Public Liability One of the basic types of insurance carpenters need to consider is Public Liability insurance*. It provides cover for legal fees and ...

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Insurance for Cafes

... dining at your café to suppliers delivering stock. The reality is accidents can and do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier ...

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Insurance for Professionals

... costs (which can include legal costs, investigator costs and expert fees). Public Liability Insurance* Public Liability insurance can be an important form of cover for all types of professionals ...

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Insurance for martial art teachers

... a lot of time with your clients - whether in a dojo or somewhere else. Either way, Public Liability insurance is important for martial arts trainers by providing protection for you and your business in the event a ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... based on the size, scope, and type of land surveying projects your business uses. Public Liability Public Liability insurance is designed to provide protection for you and your business in the event a customer ...

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Understanding Insurance for Interior Designers

... where having the right business insurance in place is vital. Let ... and outs of how business insurance can protect your interior design ... ... * Whether you have clients visiting your premises or you are meeting them on – site, Public Liability insurance is one of the main types of cover to consider . Running your own business comes with ...

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Understanding Insurance for Physiotherapists

Your clients rely on your expert advice and services as a physiotherapist. You help ease their aches and pains from minor sprains to long-term rehabilitation programs ... medical centre or leased premises , it may also be a requirement for you to have your own Public Liability insurance policy. Always be sure to check the level of cover required to ensure you have the appropriate level ...

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Understanding Insurance for Graphic Designers

... , that's when your business insurance comes into play. We've ... ... you are interacting with clients at your business premise or you are out visiting them, Public Liability insurance can protect you anywhere within Australia. It provides coverage for you and your business in ...

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Doggone Great! Local QLD Business Selected in the $60,000 'Small Business Buddy Program'

Small Business Buddy Winner! Local QLD Business Selected in the $60,000 'Small Business Buddy Program' Woofwatchers, a local dog grooming and pet caring business is ... medium sized businesses buy Professional Indemnity , Public Liability , Business Insurance, Management Liability and now Cyber Insurance. BizCover provides multiple insurance quotes instantly online and the ability to ...

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Insurance for Architects

... up but which are notified to you after the doors have closed. Public Liability Insurance* Do you need Public Liability insurance? The short answer is probably yes. Chances are you'll have regular ...

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Insurance for IT Professionals

... their own Professional Indemnity insurance policies. Public Liability Insurance* Chances are you spend ... interruption insurance. Cyber Insurance* Consider the client information or data you may be storing. Do ...

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Insurance for Hair & Beauty Services

... with the legal costs associated with responding to or managing claims which are covered by your policy. Public Liability Insurance* Whether you work from your own salon or you provide a mobile service, you're always ...

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Insurance for Finance & Mortgage Brokers

... Indemnity policies are available through BizCover that can meet the requirements of RG210. Public Liability* Public Liability insurance is a no-brainer for finance and mortgage brokers. Regular contact with your ...

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Insurance for Consultants

... A ccurate as at September 2019 Public Liability Insurance* Public Liability insurance is a no brainer for all types of consultancy services. Public Liability insurance is designed to provide protection ...

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Small Business Insurance: Why you might want to ensure you're covered!

Running a business can be rewarding, challenging but also stressful. While you will are taking control of your earning potential and the upside can be great, there are ... organisation they may stipulate that you have certain insurance to work for them. For example handymen are often required to have at least $5 million public liability cover to secure work with real estate agents. How ...

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Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part ... ... her professional indemnity insurance. Lynn purchased public and products liability (PPI) when ... damage, it is vulnerable to costly legal action. PI Insurance protects small businesses from this type of action. Unlike ...

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Business Interruption

... be just one part of your wider disaster recovery plan - a plan that should include both a broader insurance package and a clear guideline for how your business would react and recover after a disaster event. Need a ...

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Insurance for Handymen

... the list of potential mishaps can go on! Public Liability insurance is designed to cover legal fees and compensation ... that were stored in a cupboard. Fortunately, the handyman's Public Liability policy responded ...

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Insurance for Recruitment Consultants

... with responding to or managing claims which are covered by your policy. Public Liability Insurance* Public Liability insurance is an easy choice for recruitment consultancy services. It is designed to ...

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Insurance for Personal Trainers

... the policy. Public Liability Insurance* Public Liability insurance is important to ... to operate your business in public areas. Public Liability insurance is designed to provide protection for ...

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Insurance for Marketing Consultants

... of vitamin D by heading out to meet them, Public Liability insurance is important to your business. It is designed to ... be storing and the consequences if it were to be compromised. A cyber liability insurance policy is ...

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Insurance for Manufacturers

... exposed to many financial and legal risks. Regardless of the types of products you manufacture, Public and Product Liability insurance is an important form of cover. It is designed to protect your business against claims ...

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Insurance for Psychologists

... Public Liability Insurance* Considering you work closely with your clients; Public Liability insurance ... be storing and the consequences if it were to be compromised. Cyber Liability insurance helps ...

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Insurance for Landscapers

... , there is always a chance for things to go belly up. That's where Public Liability insurance comes into play . Public Liability protect s you and your business in the event a customer, supplier or a ...

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Insurance for Plumber

... on the Victorian Building Authority website . Insurance for Plumbers Public Liability One of the first types of business insurance to consider is Public Liability insurance*. It is designed to provide protection ...

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Insurance for Sole Traders and Self Emplyed

... of cover most sole traders and those who are self employed need to consider is Public Liability insurance. Public Liability insurance* is designed to provide protection for you and your business in the event a customer ...

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Insurance for Land Surveyors

... are covered by the policy. Public Liability* Public Liability insurance is designed to provide protection ... you are storing and the potential consequences if it were compromised. Cyber Liability insurance could help ...

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Insurance for Restaurants

... your business with Public Liability insurance . Public Liability insurance is designed to ... building and all its contents: Building* -This type of insurance provides cover for your building if it is damaged as a ...

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Insurance for Project Managers

... are covered by your policy. Public Liability Insurance* Whether you work from ... storing and the severe consequences if it were compromised. Cyber liability insurance is a type of business insurance ...

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Insurance for Convenience Stores

... as part of a commercial lease agreement. Insurance for Convenience Stores Public Liability Insurance* Public Liability insurance is an important form of insurance to consider before opening the doors to your ...

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Insurance for Butcher Shops

... , without the bull. Did you know? If you are a tenant it is usually a requirement to hold Public Liability insurance and Glass cover before signing a lease. Your landlord may also need to be noted as an interested ...

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Insurance for makeup artists

... basis the stakes are high that something could go wrong, which is why Public Liability insurance is an important form of insurance. It provides protection for you and your makeup artistry business in the event that ...

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So You Want to Start a Side Hustle? Here's What You Need to Know - Part 2

Welcome back to part 2 of our guide on what you need to know when starting a side hustle. In part 1 we explored some of the steps involved with setting up your side ... come tax time! Dropbox – Share and store photos and files with anyone across the ... public may need to consider Public Liability insurance to protect their risk of a liability claim. Public Liability insurance ...

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BizCover SME Insurance Price Index Q1 FY20

... material price reductions on their Public Liability insurance, while prices have remained steady ... ... The increase did not affect the cost of insurance for small businesses on the BizCover platform as ... decrease (Professionals) in the price of their Public Liability insurance for the most recent quarter. This contradicts ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... it not only gives you peace of mind knowing that there is protection in place for when disaster strikes, Public Liability insurance may also be a requirement if you are working under a contract or as a condition of entry ...

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Professional Indemnity Insurance for Civil Engineers

... a professional, considering Professional Indemnity insurance to protect* you and your ... ... design and construction of structures typically used by the general public. What is Professional Indemnity insurance? Professional Indemnity (PI) insurance* is an important form of protection for businesses that ...

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

In the blink of an eye, the silly season is here again! For some, it's the busiest time of year, from retailers helping people get their last-minute gifts and service ... . But before you invite any external guests, make sure you have an active Public Liability insurance in place. Public Liability insurance is designed to protect your business from any risks which may arise from claims ...

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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 ... awry and the chance of a claim occurring. Public Liability insurance is an essential form of cover to protect you ... prized intellectual property? With almost everything stored online, including your personal and client ...

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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.

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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.