💼Business Insurance

Protect your business. Get the right cover.

Our partner specialists will help match your Australian business with the right insurance — from public liability to professional indemnity, business pack and more.

All business types and sizes

Industry-specific advice

Public liability, PI, business pack & more

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What type of cover do you need?

About Business Insurance

What you need to know.

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Public liability vs professional indemnity

Public liability insurance covers your business if a third party suffers bodily injury or property damage as a result of your business activities — for example, a customer slipping on your premises. Professional indemnity insurance covers claims arising from your professional advice or services, such as a client suffering a financial loss due to an error or omission on your part. Both are important for different types of businesses.

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Business pack insurance explained

A business pack (also called commercial combined or business insurance) bundles multiple covers into one policy: building and property, contents and stock, business interruption, and public liability. It is designed for businesses with fixed premises and provides broad protection in a single policy — often at a lower combined cost than purchasing each cover separately.

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What is legally required

Workers Compensation insurance is compulsory in all Australian states and territories if you have employees (requirements vary by state). CTP insurance is required for all business vehicles. Many industries require public liability insurance as a condition of licensing or to fulfil contractual obligations. Professional indemnity is required for a number of regulated professions including financial advisers, accountants and lawyers.

Common Questions

Frequently asked questions.

Do I need public liability if I work from home?

Yes, potentially. If clients visit your home office, if you visit clients at their premises, or if your business activities could cause injury or property damage to others, public liability insurance is advisable regardless of your working location. Many home insurance policies specifically exclude business-related liability.

What is business interruption insurance?

Business interruption (BI) insurance covers loss of income if your business is unable to operate due to an insured event — such as a fire damaging your premises. BI pays ongoing fixed expenses and lost revenue during the period of interruption, typically for 12–24 months. It is an important component of a business pack policy for businesses that rely on physical premises.

How much public liability cover do I need?

Common levels are $5 million, $10 million and $20 million. Many contracts with government agencies, commercial landlords and large organisations require a minimum of $10 million. The appropriate level depends on the nature of your business and the potential scale of a claim. Your specialist can advise on appropriate limits for your industry.

Can a new business get insurance straight away?

Yes. New businesses can obtain public liability, professional indemnity and most other types of business insurance from day one of trading. Some insurers may require a minimum period of trading history for certain covers. Obtaining cover from the outset is recommended — claims can arise at any time, including in your first week of operation.