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Business Insurance

Help protect the business you’ve worked hard to build. We offer a range of business insurance policies with flexible cover options for sole traders, small businesses and more.

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Australia’s Most Trusted Insurance Brand 2022, 2023, 2024 and 2025 Roy Morgan Most Trusted Brand Awards

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Public Liability
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Commercial Vehicle
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Professional Indemnity
Tradies
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Get free MYOB for 12 months with a new business insurance policy^

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Save up to 10% online

Get up to 10% off when you buy an eligible new Business policy online.1

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What is Business Insurance?

Business insurance (also known as commercial insurance) is intended to help protect your business from certain unexpected risks and costs. Depending on the cover you choose, this could include protection from injury claims, damaged stock, or lost income from specific types of damages.

You can select the cover options that fit the way your business operates and manage them under one policy, whether you’re a sole trader, own a small-to-medium enterprise (SME) or operate a larger business.

Business insurance options for your business

Because every business is different, choose from a range of available cover options to build a policy that suits the way yours operates.

Remember to always read the Product Disclosure Statement (PDS) for all the ins and outs.

Public Liability Insurance

Helps cover your business for compensation claims and costs if your business is found liable for causing injury or property damage to a third party.2

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Commercial Motor Vehicle Insurance

This cover can help with compensation claims if your business vehicle, such as a van, ute or light truck, accidentally causes damage to someone else’s property in an accident. Depending on the cover you choose, it can also help protect your vehicle against accidents, theft and damage.2

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Professional Indemnity Insurance

Give advice or provide a service? Professional Indemnity insurance is a standalone cover that can help protect your business if a mistake, error or omission leads to a client’s financial loss, including legal costs and damages.3

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Portable Property

Covers insured property like your tools, professional equipment and devices if they’re accidentally damaged or stolen in a break‑in at your home, business premises or a job site.2

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Personal Accident and Illness

If an accident or illness covered by the policy stops you from doing your regular work, this cover can provide a weekly benefit, or a lump sum for certain permanent injuries, like sight or hearing loss.2

Property

Covers insured property — like buildings, contents and stock — if it’s damaged by fire, storms or other covered events.2

Theft

Worried about security and unwanted visitors? Help protect your business against lost or damaged stock or insured business contents from break-ins.2

Glass

Covers breakage to things like your shopfront windows, glass shelving and display cabinets.2

Money

Protect your business’s money, if it’s lost, damaged or stolen, whether it’s in transit, in a safe on your premises, or kept at home.2

Tax Investigation

Can help cover the cost of professional fees if your business is audited by the Australian Tax Office (ATO) so you can get support preparing and responding to the ATO.2

Computer and Electronic Equipment

Helps cover your office’s tech and gadgets against sudden, unforeseen damage from specified events like fire, storms, floods and theft.2

Business Interruption

If your business can’t trade after an insured event like a fire or storm, this cover can help with lost income and ongoing costs like rent or wages, while you get back on your feet.2

Machinery

Helps protect specified business machinery if it suddenly breaks down due to an unexpected electrical or mechanical fault.2

Employee Dishonesty

Helps protect your business against direct loss of money or goods caused by employee fraud, embezzlement or dishonesty.2

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Why choose NRMA Business Insurance?

Pay monthly at no extra cost

Choose the cover that suits your business and spread the cost with monthly instalments

Local experts

For support you can count on, chat with our Australian-based Business Insurance specialists

We're here to help

Contact us by phone, web chat, at a branch or via our claims helpline

What industries does NRMA Insurance cover?

Businesses come in many shapes and sizes. That's why we offer cover for many industries and occupations.

Get cover for the tools of your trade, your vehicles and more.
 

  • Carpenters
  • Handyman services
  • Electricians
  • Painters
  • Lawn mowing services
  • Tilers

Help protect your business with Public Liability Insurance and Professional Indemnity Insurance.
 

  • Accountants
  • Graphic designers
  • Architects
  • Surveyors
  • Consultants

Explore cover options for your retail business.
 

  • Hairdressers
  • Market stall owners
  • Bookshop owners
  • Bakers
  • Butchers
  • Clothing retailers

Get cover for your business in the hospitality industry.
 

  • Restaurant owners
  • Cafe operators
  • Takeaway shop owners 
  • Catering professionals
  • Mobile food vendors
  • Coffee cart operators

Explore cover options to help protect your health and medical businesses.
 

  • Dentists
  • Physiotherapists
  • Psychologists
  • Dietitians
  • Massage therapists
  • Beauty therapists

Business insurance to help protect you during domestic service or repair work.
 

  • Cleaners
  • Handyman
  • Landscapers
  • Gardeners
  • Pet groomers
Explore more business industries

Why business insurance matters for your business

Meet contract or industry requirements

Some industries require you to have certain insurance in place and to provide a Certificate of Insurance before you can start work or enter a job site.

Cover risks specific to how you operate

Whether you’re on-site, on the road or working with clients, consider cover that suits the way your business runs.

Protect your business from unexpected costs

If something goes wrong — like an accident or damage — it can help with costs that might otherwise impact your cash flow.

Business insurance for businesses of all sizes

Whether you’re working for yourself, growing a team or scaling up, our cover can help support you.

From sole traders like tradies, freelancers and home-based businesses, to small and medium businesses such as cafés, retail shops, salons, or professional and domestic services, we can help you find cover that fits how you work and where your business is heading.

FAQs

Business insurance FAQs

While your business may not be required to have insurance, without it you could face significant costs if things go wrong at work.

Liability claims can happen to businesses in any industry, which is why Public Liability Insurance is the most chosen type of cover. If you offer professional services or advice as part of your business, you may be at risk of indemnity claims, which is what Professional Indemnity Insurance is intended to help cover.

For example, you could face a claim as a builder if someone is injured falling over your tools on a job site, or as a tax agent if your advice negatively affects one of your clients. If a claim is made against your business and you don’t have the appropriate type and level of insurance, you may have to pay legal fees and manage lost income if you’re unable to operate your business while handling the claim.

Other parts of your business may also be at risk, including your:

  • Business premises (like your shop, workshop or office space),
  • Tools and equipment,
  • Work vehicle
  • And money.

These can be lost, stolen or damaged and create additional costs for your business.

Having an NRMA Business Insurance policy could help provide financial cover if an event covered by the policy results in loss or unexpected costs to your business.

For example, if you have an active insurance policy with up to $10 million of Public Liability cover and a customer makes a covered claim against your business, your insurance could cover you for up to $10 million for loss or damage costs resulting from the claim.

You’ll only be covered for the events and items specifically included in your business insurance policy, so it’s important to choose the right type and level of cover to suit your business’s needs.

You can find more information about our Business Insurance in the Product Disclosure Statement (PDS).

Business insurance can help cover a range of risks that could impact your work and business assets.

Depending on the cover options you choose, you can get cover for:

  • Property
  • Theft & Money
  • Glass Damage
  • Commercial Motor Vehicle
  • Tax Investigation
  • Personal Accident & Illness
  • And more.

Sometimes, it’s helpful to consider the different types of risks that are relevant to your business to determine what kind of insurance may be beneficial. For example, what might be relevant for a tradie, might be very different for a graphic designer working from home. This is why you have the option to pick and choose different types of cover, rather than every business having the same policy.

If you are searching for insurance for a farm business, please note that NRMA Insurance stopped selling Farm Insurance, Hobby Farm Insurance and Rural Farm Insurance policies on 1 July 2025.

Yes, Public Liability can help protect your business against negligence claims from clients or suppliers who visit your home business. For example, if a visiting client trips on a loose wire and hurts themselves in your home office.

Public Liability Insurance protects you in case of damage or injury as a result of your business. For example, if you’re a tradie working on a job site and you accidentally fail to secure a safety railing properly, and a worker falls and injures themselves.

Professional Indemnity Insurance protects you in case of damage caused by your negligent or mistaken professional advice or services. Like incorrect tax advice from an accountant that negatively impacts their client.

You can get Public Liability Insurance, Professional Indemnity Insurance, or both when you get a business insurance quote.

There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:

  1. Check the email address you used to purchase your policy for a copy of your policy documents we sent on the date of purchase.
  2. Log in to your account and read our step-by-step process on how to find your documents online.
  3. If you don’t have an account, chat with us online or call us on 132 818.

If you’re a small business owner, the insurance you choose will depend on factors like your business type, size, industry and sector.

Many businesses often consider Public Liability Insurance. This is the most common type of business insurance, whether you’re a sole trader or a business owner with multiple employees.

NRMA Business Insurance offers the flexibility to choose your level of Public Liability Insurance and add cover options specific to your business.

For example, retailers and hairdressers might want extra cover for their shop and stock, while carpenters and plumbers may want to cover their tools and work ute.

Get a business insurance quote and build a policy that suits your business. When you buy online, Public Liability Insurance is automatically included in your policy. If you do not require this cover, please contact your local business insurance specialist.

How much your Business Insurance costs depends on a number of factors, including:

  • The type and level of cover you choose
  • The type of business you run, and;
  • How many staff you have.

The quickest way to get an estimate of how much it costs is to get a business insurance quote.

Save up to 10% on new Business Insurance policies

Your discount is automatically applied when you purchase an eligible new business insurance policy online.1

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Enjoy partner benefits

Access special offers and discounts from trusted partners to help support your business and simplify the day-to-day.

See partner offers

24/7 claims support

Make a claim anytime, anywhere through our 24/7 claims helpline on 132 132.

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We're here to help

Call us

Call us on 132 818.

Call 132 818

Chat to us

Talk to us online via web chat.

Chat to us

Request a call back

Ask us to contact you about a Business Insurance quote.

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Things you should know

^ Free 12 month base subscription of Solo by MYOB, MYOB Business Lite or MYOB Business Pro. This offer is available from 12am AEST on Monday 24 August 2026 until 11:59pm AEDT on Monday 5 October 2026. This offer is only available to NRMA Business Insurance customers who purchase or hold a new eligible Business Insurance policy. Farm Insurance and Motor Trade Insurance are excluded. To be eligible, the customer must be a new or returning MYOB customer. To access the offer, customers must sign up via the link provided by NRMA Insurance. NRMA Insurance may contact customers by email and/or SMS relating to the administration, redemption and fulfilment of this offer. After the 12 month subscription period ends, MYOB’s standard subscription fees will apply. Use of premium MYOB features may incur extra charges. This offer is not transferable and cannot be used in conjunction with MYOB’s 30 day free trial or any other MYOB offers. See full terms and conditions of the offer.

  1. You can save up to 10% on the ‘base premium’ for the first year when you purchase an eligible new NRMA Business Insurance policy online. The base premium is the premium we have calculated but does not include any government or statutory charges. Any discounts only apply until you reach a minimum premium, so your discount might be limited by the minimum premium (in which case the discount applied may be significantly below the maximum advertised discount). If your base premium is $220 (the minimum base premium for NRMA Business Insurance) you will not receive a discount under this Business Insurance Online Offer. This offer is available on eligible products only, excludes Motor Trade Insurance, Professional Indemnity Insurance, Information and Communications Technology Liability Insurance. The offer may be withdrawn at any time and is subject to its full terms and conditions. When we calculate your premium on renewal, we may limit any increases or decreases in your renewal premium by considering factors like your previous year’s premium. Cover is subject to standard underwriting and policy terms.

  2. Terms, conditions, limits and exclusions apply. See the relevant Product Disclosure Statement for further details. When you buy online, Public Liability Insurance is automatically included in your policy. If you do not require this cover, please contact your local business insurance specialist.

  3. Professional Indemnity Insurance is a standalone product for eligible occupations and businesses and cannot be combined with other NRMA Business Insurance covers. You apply for and purchase this cover separately from other business insurance products. Terms, conditions, limits and exclusions apply. See the relevant Product Disclosure Statement for further details.