Small Business Online Insurance

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Small Business Online Insurance

You've worked hard to build your business and you want to protect it, without wasting money on insurance premiums. As a small business owner, what you really need is a single insurance product that protects you against all your major risks.

We’ll help you access tailored cover for liability, theft or damage and business interruption, in a single, affordable package. It's the easy way to protect your business.


For many companies, insurance is a fundamental part of doing business. Public liability, for example, may be a basic requirement of your operating licence, and in many cases your potential clients, suppliers or investors will want to know that the financial stability of your business is protected. You may need to provide evidence of your insurance arrangements as part of the tender process for contracts, or during negotiations for credit lines or funding.

A small business insurance package provides all the essential business cover you need in a single, affordable policy. It’s the easy insurance solution for SMEs with up to 20 employees and assets of up to $1M, and is a low-cost way to get cover for all the main risks faced by most growing businesses. It is ideal for retail or commercial businesses in service industries and educational, health or community sectors.

Policy Benefits

Our small business online insurance is available immediately, so you can get complete protection for your business right now. Simply get a quote and apply online. As soon as we accept your application and you pay your first premium we'll send you your policy document and your cover will start.

Property Damage

Small business insurance packages protect your property against loss or damage done by other people, such as theft and vandalism, as well as for accidents like a fire or explosion and natural disasters, including lightning strikes or rain damage. Many policies even provide cover for property in transit, for spare parts you have for any of your equipment, and for buildings still under construction.

Public Liability

A small business insurance package can incorporate public and product liability cover, which protects both you and your customers. This is an essential requirement for businesses in many industries.

We partner with some of the biggest names in Australia to bring you quality small business insurance at competitive rates. Our skilled advisors can give you expert advice and put together a tailored, affordable small business insurance package to meet your needs.

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Important Policy Information

Terms, conditions, excesses and limits apply to this policy. Please refer to the Product Wording document for full details of the cover provided.

Our Small Business Online Insurance does not insure the interests of any person other than you, unless you have notified us in writing of such interest and it has been noted in your policy document.

Download Policy Wording

Policy Exclusions

Our business insurance transfers many of the risks you face as a business owner from you to us. However it does not cover every circumstance or expense and we have some exclusions that help keep premiums low, such as flood damage. See the Policy Wording for full details.

Have a question that you'd like us to answer?

The information on this website, brochures and other documentation is of a general nature only and does not take into account your personal financial situation, needs or objectives. Therefore before you decide to buy any insurance product it is important that you read its Product Disclosure Statement and Financial Services Guide to make sure the product is appropriate for your needs.