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We've been helping Australians for 100 years

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Your business is unique. Your insurance should be too

Get 20,000 PayRewards Points when you take out a new business insurance policy^

Use promo code REWARD

Offer ends 30 June 2026. T&Cs apply. For this offer to apply, eligible customers must sign up to the pay.com.au rewards platform and agree to their terms and conditions. Policy must be held for a minimum of 30 days from making the first complete payment.

REWARD
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How does Expert Advice work?

You answer some questions online about your business, with help and guidance at every step

We recommend insurance cover for your business, at a level that’s best for your situation

Your insurance is ready to purchase right away, or you can customise it to suit your business needs

Quick and simple

You’ll get a personalised recommendation in as little as 10 minutes. You can buy your insurance right away or come back later – your recommendation and quote will be valid for 21 days

With industry-specific examples of how each product could be used, you’ll understand how your cover works in the real world.

Experience makes a difference

We’re one of the country’s oldest and largest general insurers, protecting Australians and the things they care about for 100 years.

This means you can be confident that our recommendations are backed up by knowledge and experience.

Let's get started

Answer a series of questions to help us understand your business, and we’ll create a recommendation tailored just for you.

Get started

Why choose NRMA Business Insurance?

We're flexible

Mix and match our policy cover options and pay your premium by the month at no extra cost

We mean business

Speak to our Australian-based consultants specialised in business insurance

We're here to help

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

FAQs

Frequently Asked Questions

Expert Advice is available to small business owners who:

  • Operate as a hairdresser, barber, beautician, manicurist or spray tanner (not solariums)
  • Operate a business in the food and beverage industry, like a café, restaurant, takeaway shop or bakery
  • Have from one to 10 full-time staff (or equivalent)
  • Have an annual revenue of less than $2 million.

The sections in the NRMA Business Insurance product that we can provide cover on are:

  • General products and liability
  • Contents
  • Stock
  • Business interruption
  • Money
  • Theft
  • Glass
  • Portable stock
  • Portable contents.

Full details of these covers are in the Product Disclosure Statement (PDS).

The following insurance covers in the NRMA Business Insurance product aren’t available through Expert Advice. Some of these covers may be suitable for your business – please contact us if you want to add them to your policy.

  • Building
  • Burglary
  • Commercial motor vehicles
  • Personal accident and illness
  • Machinery
  • Computer and electronic equipment
  • Fraud or dishonesty
  • Taxation investigation
  • Domestic house and its contents.

Things you should know

^ The 20,000 PayRewards Points Offer applies in conjunction with the purchase of a new NRMA Business Insurance, NRMA Professional Indemnity Insurance or NRMA Information and Communications Technology Liability Insurance policy taken out online, over the phone or at a branch between 12am AEST 18 May and 11:59pm AEST 30 June 2026. Promo code REWARD must be applied to be eligible for this Offer. Policy must be paid for by the policy due date and cannot be cancelled within 30 days after making the first complete payment. A valid email address must be provided. Eligible customers must sign up to the pay.com.au rewards platform and agree to their terms and conditions. Offer will not be applied to any renewal of your policy. See the full terms and conditions.

  1. Cover is subject to standard underwriting guidelines and policy terms.

  2. Terms, conditions, limits and exclusions apply. See the relevant Product Disclosure Statement for further details. The product information in this communication only applies to NRMA Insurance products in NSW, QLD, TAS, ACT, SA, WA, VIC and NT.