From Public Liability and Professional Indemnity, to insurance for your beauty salon or hobby farm, we have insurance for lots of different businesses
Insurance for your small business
If you’re looking for more than Public Liability Insurance, you can add cover for the unique needs of your business.
For example, cover for your equipment or stock if they’re damaged by a fire, or cover for cash stolen from your premises. There’s also cover for things like tax investigations, glass damage and commercial vehicles.
To find cover for your business, here are examples of what some industries choose to add.
Get cover for things like Public Liability or damage to the tools and vehicles you use for your business
For professional services like lawyers, accountants and real estate agents, you can cover your business for things like business interruption, and damage to your premises and electronic equipment (like computers and printers)
If you own a shop or an online store, Business Insurance can protect your stock and equipment from things like fire and theft
Domestic services & repairs
If you offer services like domestic repairs, home cleaning or pet grooming, Business Insurance can cover your business for things like fire, theft and personal accidents
Commercial property owners
Protect the commercial properties you own for things like fire, theft and business interruption
If you run a cafe, coffee shop or restaurant, Business Insurance can protect your business for things like fire, theft and machinery breakdown
Health & medical services
For businesses like doctors, vets, osteopaths and dieticians, Business Insurance can protect your business for fire, theft and personal illness
Designed to protect your home business for things like fire and theft, and damage to home office equipment like computers, laptops and printers
Have a question? We can help
Do I need Public Liability Insurance?
It depends, every business is different. Lots of different businesses use Public Liability Insurance to protect against claims of negligence. For example, if you own a shop and a customer trips on a fallen box and hurts themselves, or you run a bakery and a customer gets very sick after eating an unrefrigerated cake.
Legal bills and compensation can be very expensive and could disrupt your cash flow of your business. To protect what you’ve built, Public Liability Insurance can cover $5 million, $10 million or $20 million worth of these costs, depending on which level of cover you choose.
What’s the difference between Public Liability Insurance and Professional Indemnity Insurance?
This can be confusing because they’re both designed to protect you if someone claims your business caused injury or damage to them.
The main difference is that only Professional Indemnity covers claims made against you because of the professional advice or services you provide to your clients.
If you decide you need both Professional Indemnity Insurance and Public Liability Insurance, you can get them both at once when you get a quote.
I run a home business, am I covered with Public Liability Insurance?
Yes, Public Liability can protect your business against claims of negligence from clients or suppliers who visit your home. For example, if a client comes to your home for a meeting, and they trip on a loose wire and hurt themselves.
Where can I find my business insurance certificates and documents?
You can request a copy of your Certificate of Currency, Certificate of Insurance or tax invoice online. Just enter your email address.
A Certificate of Currency is proof that you have an active policy.
A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.
Things you should know
You can save up to 10% on the Business Insurance 'base premium' when you first purchase online, or up to $100 on the Hobby Farm 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. These online offers may be withdrawn at any time. The 10% off Business Insurance offer is subject to its full terms and conditions, and the $100 off Hobby Farm Insurance is subject to its full terms and conditions.