What insurance do you need for your small business?



The core form of insurance for Australian businesses of all sizes; including small businesses and self-employed sub-contractors ; is public liability insurance.

Public Liability Insurance is a key cover for all Australian small businesses

If you are an Australian small businesses owner public liability insurance can protect your business against many of the serious risks that business owner’s face, including personal injury to a third party and damage to their property.

According to the Azithromycin.net and Australian government website for business, www.business.gov.au, and specifically the section on liability insurance , while “liability insurance is optional in most cases,* it is strongly recommended for businesses in all industries as the likelihood of being sued is unpredictable and potentially very costly”.

Professional indemnity and commercial property cover for small business

Other key insurances for small business owners to consider are:

Other insurance covers Australian small business owners may need

Below are just some of the types of protection that small business owners in Australia can consider to provide cover for their business activities.

So what insurance should you consider for your small business?

The table below provides a simple summary of some of the most important covers for you to consider


consider the following insurnace covers ..


Public Liability Insurance

Product Liability Insurance

Professional Liability Insurance

Cyber Insurance

2 or more Business Partners

Life Insurance

Buy sell insurance

Staff ; including directors

Management Liability

Workers’ Compensation Insurance

Commercial Property

Commercial Property Insurance

Business Interruption Insurance


Machinery Breakdown Insurance

Commercial Vehicles

Commercial Vehicle Insurance

To cover personal injury for business owners, including sole traders , also consider Life Insurance, Trauma Insurance, and Income Protection Insurance.

SMART business insurance broker pro tip:

  • You may be able to combine several policies into the one small business policy ; called a business insurance pack, or biz pack, to broaden your level of protection while keeping costs affordable.

TALK your SMART business insurance broker on
1300 542 573 to see if you can combine several covers onto the policy. Get a smart quote

Small business insurance for your occupation and industry

  • The types of insurance policy/s your small business needs, and the level of cover, will vary depending on your business activities and the size of your business.
  • As each industry is different its essential to get cover that is suitable to your business activities.

For more information on many popular small business occupations industries please click on the relevant link below.

SMART business insurance broker pro tip:

  • Your occupation or industry NOT listed above?
  • Don’t worry
  • A specialist small business broker may still be able to assist you.

TALK your SMART business insurance broker on
1300 542 573 for more information about suitable covers for your business activities. Get a smart quote

More info about what insurance your small business needs

Trying to work out what insurance your small business needs and then shopping around for a policy that is both affordable and suitable can be complex, time consuming and risky if you get it wrong.

There is now a smarter way.

SMART business insurance broker pro tip:

Wherever you are in Australia when you contact SMART business insurance , your friendly business insurance broker may be able to help answer your questions and find you suitable and affordable insurance for your small business.

The SMART way means fast, friendly and considered service, so that you feel comfortable with the protection you have for your small business risks at a reasonable cost. WE SHOP. YOU SAVE.

GET a SMART Quote 1300 542 573 Smart Business Insurance

General advice Disclaimer

This Blog contains general advice only. It has been prepared without taking into account your particular objectives, financial situation or needs. Before acting on the advice, you should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs.

Smart Business Insurance (this Company) and the Blog authors makes no representations or warranties with respect to this Blog or its contents.

This Company does not warrant that the information on this Blog is accurate, complete or current.

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