Australian business insurance
Tell me what your business does. I’ll list the cover worth considering — and why.
Most small-business owners buy a policy without knowing which section answers which risk. Start a conversation and get a plain-English walkthrough of the cover types that suit your trade, your staff, and the tools you rely on.
Tell me what your business does, roughly how many people work in it, whether you have employees, and what you use tools or vehicles for. I will list the cover types worth considering and explain what each one actually does.
General information only. Not personal advice, a quote, or a recommendation to buy a policy.
General information, not advice. coverage.chat provides general information about business insurance. We are not an insurer, broker, or financial adviser, and we do not hold an Australian Financial Services Licence. Nothing here is personal advice, a quote, or a recommendation to buy a particular policy. Read the Product Disclosure Statement and speak with a licensed broker before you decide.
Where most small businesses land
These are the questions owners ask most often. The conversation on this page covers the same ground in whatever order suits you.
Public liability
Covers third-party property damage or injury you cause while working. Relevant to almost any business that visits client sites.
Professional indemnity
Covers claims that the advice or service you sold was negligent, wrong, or caused a loss. Often required by contracts, not just by law.
Business pack & tools
Covers your business property — equipment, stock, and often tools — plus things like business interruption or tax audit cover.
Workers compensation
State-specific cover for employees if they are injured at work. The rules and schemes differ in every state and territory.
Ready to see what it costs?
We don’t quote and we don’t sell policies. When you know which cover types you actually need, a licensed broker can price them. BizCover is one place to compare quotes from a range of insurers.
Referral link — we may receive a commission if you take out a policy. This does not affect which cover types we explain or how we explain them.
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Workers compensation rules differ in every state and territory
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