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I run a business from home, am I covered?

If you run a business from home, let us know so we can help you choose your cover.

Depending on what you use for your home business, some contents may not be covered under our Building and Contents policies. For example, sometimes a Home Contents or a combined Home Building and Contents Insurance policy may be a suitable option for insuring home office equipment that you use to run your business from home. However, this won’t cover stock used by your business.

Keep in mind, under a Home Contents or combined Home Building and Contents policy, legal liability for your business will not be covered, unless the business involves renting your home for domestic use.

Call us on 131 123 (8am–8pm AEST/AEDT) to learn more.

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If you have Home Building, Home Contents or Home Building and Contents, you can choose to cover the burnout of your electric motors (as part of your Building and/or Contents) that are up to 15 years old, so long as they are not used in your business or covered by a warranty.

If you have Home Buildings Plus or Home Contents Plus insurance, electrical motor burnout is automatically included.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

  • First purchased before 21 April 2024 and not yet renewed
  • Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

To learn more about what you're covered for, read the Product Disclosure Statement (PDS) on our policy booklets page.

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Business interruption insurance can help cover loss of income and some operational expenses if your business needs to close as a result of an insured event.

Having this kind of cover can help your business stay afloat while your ability to conduct normal operations has to stop.

The length of time your business is covered for will depend on your individual policy. When you take up a new policy, you’ll be able to decide how long you’d need to be covered for after an insured event.

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Turnover is used to get an understanding of the size of your business, and to make sure you are covered appropriately.

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If you need to change or add something to your cover, you’ll need to provide:

  • your policy number
  • some information about your business activities
  • details of the business premises including address, age and security details.

If you’re making a change specifically about a vehicle, agricultural machinery, or other business items, then you may need to also provide:

  • registration and VIN numbers
  • serial numbers and make and model information.

We need this information to help you decide on the cover you need and to assist with identifying items in the event they’re stolen and you need to make a claim.

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Run-off liability provides continued cover for claims made against you or your business after your business has closed, been sold, or you’ve retired. It can help cover legal fees or compensation you may need to pay.

Usually, run-off liability is not automatically included in your policy and needs to be requested. If personal injury or property damage occurs after your policy is cancelled, you won’t have cover unless you took up run-off liability.

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