Business Insurance

We'd love you to SHARE this blog post!

All owners of businesses, whether large or small, at home, at the market or at the shop face a range of possible risks. Protecting your business through correct insurances is a vital part of the business risk management procedure and can possibly save you from financial difficulty and even bankruptcy. Home based businesses often mistakenly think they don’t require insurance.

The Australian Government suggest:

As a home-based business you need to make sure you have the correct level of insurance to protect yourself. Standard homeowner policies do not generally provide cover for home-based business activities.

Insurances to consider are:

  • public liability cover for persons visiting your business at home (e.g. customers and suppliers)
  • insurance of business equipment, inventory, tools of trade, office furniture or computer equipment
  • workers compensation for any employees working from your home
  • fire, storm and theft cover for the loss of any stock and equipment
  • professional indemnity insurance if you’re in a service industry, especially if you’re contracting to government
  • loss of income due to personal accident or illness
  • costs arising from interruption to your business
  • marine policy if you send products via freight carriers or post.

It’s important to note that many policies don’t cover tools of trade, office furniture or computer equipment used for your business, unless you’ve specifically advised your insurer and they’ve agreed to cover you.

Business insurance policies can be a confusing field to navigate. Below we have listed a selection of companies that offer business insurance in Australia to hopefully make the process a little less confusing. For an online option:


Why Buy Insurance from BizCover?

  • Multiple quotes in just 2 minutes: we give you choice by providing you quotes from Australia’s Leading Insurers.
  • No forms to fill in: our process is very convenient and efficient. You get results without the need of filling in endless complex forms.
  • Buy online: Unlike other providers, with BizCover you can compare and buy online any time, day or night, no need to wait for someone to call you back.
  • Get policy documents instantly: Just instants after payment is made, your policy documents are emailed to you.







Rural and General





    Ready to have fun while still saving your money?

    Sign Up for free money tips to help you get what you want in life.