Insurance for Health and medical services
Business Insurance can help protect your small business. Choose your cover online in just a few easy steps.
You can get a range of cover
Business Insurance is flexible and can be easily customised to meet your business’ needs.
You can choose from a range of options to cover your business, from Public Liability cover to protection for your work tools, commercial vehicles, and more.
Covers your business premises for damage to buildings, contents, stock, tools and equipment caused by fire, natural perils like storms, and/or malicious damage.
Theft and money
Covers you if a person breaks into your premises (or the premises you are renting) and steals your business stock, contents, equipment or money.
Public and product liability
Protects your business against claims for accidental damage or injury caused to an individual or their property as a result of your work.
Covers breakage to shop front windows, glass shelving, display cabinets, sign writing and advertising signs.
Covers breakdown of certain machinery you need to run your business – for example, cash registers, salon equipment or air conditioners.
Start your quote nowGet a quick quote
More cover optionsYou can also consider these other covers for your business.
Get a Business Insurance quote
Want a quick quote right away? You can get a quote and buy your Business Insurance online in minutes. Need help choosing the right insurance? Our Business Insurance specialists can help answer your questions, or help you find an insurance broker if you need more help.
What is Public Liability Insurance?
Public Liability Insurance protects your business against claims resulting from accidents or injuries that occur as result of your business activities or products, as well as damage to property owned or controlled by someone else.
Find out more about Public Liability Insurance.
How much Public Liability Insurance do I need?
Every business is different, and there is no ‘one size fits all’ rule for how much Public Liability Insurance your business needs.
We offer multiple levels of public liability cover which can be purchased from us directly:
- $5 million
- $10 million
- $20 million
If you need more cover, call us on 13 24 81 (8am–8pm AEST, Mon–Fri).
Public liability claims can be very costly, so it’s important you choose a level of cover that will financially protect your business should you need to make a claim.
What’s the difference between ‘theft’, ‘money’ and ‘employee dishonesty’?
Theft covers you from a person breaking into your business premises and stealing business stock, contents or equipment.
Money covers money being stolen (theft just covers physical contents, not currency).
Employee dishonesty covers you for loss of money caused by a dishonest or fraudulent act by an employee with the clear intent of making an improper personal financial gain.
For more information about the cover options, and what is covered, please read your PDS.
What does business interruption cover?
Business interruption can cover the shortfall in gross profits caused by the interruption to your business resulting from an insured event (eg storm or fire damage) and can help pay ongoing costs and protects profit margins until your business is back on its feet and back at its profit level before the interruption.
Find out more about business interruption and how it works.
For more information about this cover, please read your PDS.
What is personal accident and illness cover?
Personal accident and illness insurance helps you cover your costs if you are unable to work due to injury or illness. You can also select an option for compensation if certain specified permanent injuries occur (this is referred to as Lump Sum benefits).
For more information about this cover, please read your PDS.
What is the difference between personal accident and illness cover and income protection cover?
Personal accident and illness can cover you if you are self-employed, and it provides short to medium term cover (maximum 104 weeks) if you are unable to work because of injury or illness.
Income protection can cover anyone (self-employed, home-makers, part time workers, full time employees, etc) and is intended to be a long-term cover.
For more information about this cover, please read your read your PDS.
Do I need workers compensation insurance?
Generally, if you employ or engage anyone else to work for you, you need workers compensation insurance. A ‘worker’ is a person who has entered into work under a contract of service with you. There doesn’t necessarily need to be a formal written contract in place. A verbal agreement or simply intent or understanding of an arrangement might be enough for someone to legally be considered a ‘worker’ under your state’s workers compensation legislation.
Each state and territory in Australia has different types of workers compensation schemes. For more information about workers compensation in your state, please visit our workers compensation section.
Why do I need to tell you what my business turnover is?
We use turnover to gauge the size of your business and make sure our products can provide your business with adequate coverage – it does not influence pricing.
Can I pay monthly at no extra cost?
Yes, you can choose to pay monthly at no extra cost to help your business manage cash flow.
Forms and downloads
- Business Insurance PDS (for policies starting from 8 October 2021, or renewed from 13 November 2021)
- Business Insurance PDS (for policies starting from 30 May–7 October 2021, or renewed from 30 May–12 November 2021)
- Business Insurance PDS (for policies starting or renewed from 31 March–29 May 2021)
- Business Insurance PDS (for policies starting from 6 Sep 2020–30 Mar 2021, or renewed from 17 Oct 2020–30 Mar 2021)
- Target Market Determination
- Key Facts Sheet for Home Contents Policy in Business Insurance (policies starting 1/12/18–5/9/20, or renewed 1/12/18–16/10/20)
- Key Facts Sheet for Home Building Policy in Business Insurance (policies starting 1/12/18–5/9/20, or renewed 1/12/18–16/10/20)
Things you should know
1 You can save up to 10% on the Business Insurance 'base premium' when you first purchase online. The base premium doesn't include any government or statutory charges. You will only get a discount on your first year's premium. Discounts only apply until you reach your minimum premium, so your discount might be limited by your minimum premium. When we calculate your premium on renewal, we may also limit any increases or decreases by considering factors like your previous year’s premium. This online offer may be withdrawn at any time and is subject to the full terms and conditions.