We've been helping Australians for 100 years
Get the flexibility to mix and match your small business insurance, with cover options for sole traders, small businesses and more.
Get up to 10% off when you buy an eligible new Business policy online.1
Choose the cover that suits your business and spread the cost with monthly instalments
For support you can count on, chat with our Australian-based Business Insurance specialists
Contact us by phone, web chat, at a branch or via our claims helpline
Public Liability Insurance can help cover claims if your business activities cause injury to a person or damage to someone else's property.
For example, if the floor in your shop is wet, and a customer slips and hurts themselves, or you’re cleaning a client’s house and someone trips over equipment you've left out.
Without Public Liability Insurance, legal bills and compensation for these claims could disrupt your cash flow and your business.
So, whether you run an e-commerce website from your house, work on-site at your clients’ homes, or have a team and an office, Public Liability Insurance can help protect you from these unexpected costs.
When you buy NRMA Small Business Insurance online, Public Liability Insurance is included alongside the additional covers you choose.
Small business insurance can help protect your business from a range of everyday risks. Depending on the cover you choose, it may help with costs arising from liability claims, damage to business property, or unexpected events that interrupt your day-to-day operations.
No two businesses are the same, which is why NRMA Business Insurance allows you to choose from a range of covers that suits your small business.
Businesses come in many shapes and sizes. That's why we offer cover for many industries and occupations.
Remember to always read the Product Disclosure Statement (PDS) for all the ins and outs.
Get cover for the tools of your trade, your vehicles and more.
Help protect your business with Public Liability Insurance and Professional Indemnity Insurance.
Explore cover options for your retail business.
Get cover for your business in the hospitality industry.
Explore cover options to help protect your health and medical businesses.
Business insurance to help protect you during domestic service or repair work.
Here’s a summary of what’s included
Injury to someone else
Like if you accidentally leave work tools on the ground and someone trips and injures themselves.
Legal costs
If a claim is made against you, we can cover the cost of your legal defence and compensation.
Injury or damage caused by your products
Like if someone gets sick from a coffee accidentally made with spoiled milk.
Damage to someone else's property
Like if a rock propelled by a lawn mower accidentally cracks a neighbour's window.
Other people's property in your control
Like if you accidentally damage a television while carrying out maintenance work.
Staff negligence
Like if your employee doesn't clean up a spill in your shop, and a customer falls and injures themselves.
There are some things we don't cover
Injuries to your staff
Injuries to your staff can be covered by Workers Compensation.
Paid advice
If you give advice as part of your business, you may need Professional Indemnity Insurance.
Product recalls
For example, if you sell heaters and there's a national recall.
Faulty work
For example, if your tiling does not meet required building standards or if your client is not satisfied with the services you provided.
Australia’s Most Trusted Insurance Brand, 2019 to 2026 — Roy Morgan Most Trusted Brand Awards.
Because every small 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.
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
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
Property cover may help protect the buildings you own and the contents and stock you use to run your business, including equipment, furniture and stock, if they're damaged by a covered event. For example, if a storm damages your bakery and destroys ingredients stored on-site, this cover may help with a covered claim.2
If you take tools, equipment or other business items away from your business premises, portable property cover may help protect them while they’re on the move or at a temporary work location. This cover may suit tradies, mobile operators and other businesses that rely on equipment off-site. For example, if someone breaks into your locked work vehicle and steals your tools while you’re working at a customer’s property, portable property cover may help with a covered claim.2
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.3
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
Worried about security and unwanted visitors? Help protect your business against lost or damaged stock or insured business contents from break-ins.2
Covers breakage to things like your shopfront windows, glass shelving and display cabinets.2
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
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
Helps cover your office’s tech and gadgets against sudden, unforeseen damage from specified events like fire, storms, floods and theft.2
Helps protect specified business machinery if it suddenly breaks down due to an unexpected electrical or mechanical fault.2
Helps protect your business against direct loss of money or goods caused by employee fraud, embezzlement or dishonesty.2
Whether you need small business insurance depends on your trade, the risks involved and any legal or contractual requirements. Business Insurance can help protect your business from unexpected costs, such as customer injury, property damage, theft or damage to equipment. Many small businesses start with Public Liability Insurance and then add cover options that suit the way they work.
Public Liability Insurance can help cover claims if your business activities cause injury to a person or damage to someone else's property.
Product Liability Insurance can help cover claims if a product you have sold, supplied or manufactured causes injury or property damage after it has left your control.
Public Liability relates to the services and activities of your business, while Product Liability relates to the products your business provides.
When you buy NRMA Business Insurance online, Public Liability Insurance is included alongside the additional covers you choose.
Yes, home-based and online businesses can apply for NRMA Business Insurance.
Keep in mind that standard Home Insurance may cover basic home office items, such as a desk or chair, but doesn’t cover business stock kept at home or business-related liability, such as if a client or supplier is injured at your home. That’s where Business Insurance can help, with cover options for some of the risks that come with running a business from home.
Please note that Business Insurance doesn't include cyber cover, so if you run an online business, you may need separate cyber insurance.
We offer cover for eligible small businesses, sole traders and home-based businesses across most of Australia. You can tailor your small business insurance to suit your trade and business needs. Many businesses start with Public Liability Insurance and adding other cover options where available.
Eligibility, cover and availability may vary depending on your business type and location.
There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:
You can access your business insurance online account 24/7 to request your Certificate of Currency, download policy documents, and make online payments, all in one place.
