Types of home based businesses that we cover

We have designed insurance packages that meet the needs of your home-based business. Here are just a few of the businesses we cover:

• book keepers
• computer programmers
• graphic designers
• tailors/dressmakers
• hairdressers
• consultants
• web designers
• data processors
• massage therapists
• photographers.

We cover many more home-based businesses. Call us on 132 818 to see if we can help you.

Common cover options for home based businesses

We cover the typical risks that home-based business operators face everyday and we allow you to choose the cover you need. Some of these cover options include:

Fire, storm and other defined events (including malicious damage) - we cover you for loss, destruction or damage to business buildings stock or business equipment, caused by any defined event, including accidental damage.

Burglary - we cover you for burglary of your business property.

Property away from home - we cover you for accidental damage to your business property away from home, in Australia or New Zealand.

Money - we cover you for the loss or destruction of money caused by a defined event, during business hours, in private residence or in transit.

Personal injury and property damage - we cover you for sums you are legally liable to pay someone as compensation for personal injury or property damage that occurs in connection with your business.

Personal accident and illness - choose to protect yourself and your income against Personal Accident or Personal Accident and Injury.

View more Business Insurance cover options.

For detailed information on these cover options, please read the Product Disclosure Statement.

Did You Know?

Most home-based business operators think that their business is covered by their personal home insurance policy. It generally isn’t and that can be a costly mistake to make. Here are a few risks that you should consider covering yourself for, that are not typically included in a personal home insurance policy:

Personal injury and property damage – for people connected to your home business, such as customers and suppliers.

Workers compensation cover – for any employees working from your home.

Loss of any stock or goods – to fire, storm or theft.

Cover for tools of trade, office furniture or computer equipment – unless you have specifically advised your insurer and they have agreed to cover you.

Need to know more?

View our business insurance cover options.

All you need to know about our Business Insurance policy is fully explained in the Product Disclosure Statement.

To make a claim call 132 818 24 hours a day 7 days a week. Outside these hours call NRMA Helpline on 132 900.

Taking the next step

Call us on 132 818 to request a quote or to discuss your needs with a Business Insurance Specialist.