What does small business insurance cover?
- Public liability and product liability comes as standard with QBE Small Business Insurance
- You can tailor insurance to suit your specific needs by adding options
- Public liability is usually a requirement for tradespeople on work sites in Australia
When you run a small business, trawling through policies to find insurance is probably not high on your to-do list.
So we’ve made it easy, by showing you what’s included in QBE Small Business Insurance at a glance1. Then you can add options to tailor your policy and protect everything you’ve worked so hard for.
| QBE Small Business Insurance | |||
| Cover type | Included | Add options | Ideal for |
| Business liability (public liability and product liability) | ✔ | Tradespeople All small businesses |
|
| Portable items | ✔ | Tradespeople Professional Services Health and beauty |
|
| Theft | ✔ | Retailers | |
| Glass | ✔ | Retailers Cafes |
|
| Money | ✔ | Retailers Cafes |
|
| Business buildings and contents | ✔ | Retailers Cafes |
|
| Machinery breakdown | ✔ | Cafes | |
| Business interruption | ✔ | Cafes Retailers |
|
| Tax audit | ✔ | All small businesses | |
Public liability insurance
QBE Small Business Insurance comes with business liability as your base. It provides public and products liability cover, including third party personal injury and property damage, caused by your business.
Extra options
Portable items
Covers insured items for loss. Popular for coverage of tools of trade, mobile phones and laptops.
Related article: How to cover your tools of trade
Theft
Covers loss or damage due to theft of business property.
Glass
Covers damage to internal and external glass.
Money
Covers loss or damage to money belonging to, and connected with, your business.
Business building and contents
Covers loss or damage to business buildings and contents caused by an insured event.
Machinery breakdown
Covers breakdown that needs immediate repair or replacement.
Business interruption
Covers loss of income resulting from interruption to your business, due to loss or damage to the property insured. This cover can only be added if you’ve already included business building and contents.
Tax audit
Covers fees paid to accountants, who can help you prepare for a tax audit instigated by the Australian Tax Office (ATO). It doesn’t cover any taxes, fines, or penalties the ATO may impose.
Related article: Tax audit insurance for small business owners
For cover that suits your business needs, get a quote for QBE Small Business Insurance and protect what’s important to you.
Learn more about QBE Small Business Insurance
To decide if the product is right for you, please read the relevant Policy Wording.
1 QBE Small Business Insurance Policy Wording (QM9264)
