Small Business Insurance

Each of the covers listed above is subject to specific definitions, the basis of cover and specific exclusions. In addition, there are general definitions, exclusions and conditions that apply to all sections of the policy. Read the QBE Small Business Insurance Policy Wording to decide if the product is right for you.

*Any period of time during the period of insurance that has turnover, sales or levels of stock at least 20% higher than the average turnover. 

Small business insurance is designed to help business owners manage a variety of risks. It typically bundles a variety of cover types together in one easy-to-manage policy, rather than buying each one separately, saving time and potentially cost. The most common type of cover is public liability, which can provide financial protection if a liability claim is made against your business. Other additional options may be available to cover things like your business buildings and contents, machinery and equipment, tools and stock or to cover you in case of business interruption, theft and more.

Most businesses face some type of risk every day, even small businesses, which is why insurance is so important. Also, there are some types of insurance that are compulsory for many small businesses. For example, it might be a legal requirement to have a certain level of public liability cover before you can start work. You may also need to consider other cover depending on your business needs, preferences and risk profile.

Read our article about the risks faced by small businesses like yours. 

Cost will depend on a number of factors, like the type of business and the risks involved. Every business is unique, so we’ll ask you questions to understand what you need. Then you can choose the cover you need to protect your small business when you get a quote. You can pay your insurance premium annually or monthly and there’s no extra cost if you decide to pay by the month.

Every business is different, so the industry in which you operate and the products and services you provide will determine the insurance to consider for your small business. Most businesses need public liability cover which is why QBE's Small Business Insurance automatically comes with business liability. It covers you for property damage and third-party personal injury claims.

If you'd like cover for other parts of your business, like business premises, tools and equipment, and stock, you can choose to add these as options when you get a quote.

Read the QBE Small Business Insurance Policy Wording to decide if the product is right for you.

Business liability is sometimes referred to as public liability and describes insurance cover that provides protection to businesses or individuals in case they’re held legally responsible for causing bodily injury or property damage to third parties. QBE's Small Business Insurance automatically comes with business liability as your base.