Smart Business Insurance
Level 11, 484 St Kilda Road Melbourne, VIC3004
$ Phone: 1300 542 573

1300 542 573

TALK to a SMART Business Insurance adviser

Insurance for Home Business

Are you a home business owner looking for business insurance?

According to the Australian government website designed to help business;, "home-based businesses are a large part of the Australian business community, with nearly one million people running a business from home."

The section of the government website for business titled insurance for home-based business advises home business owners:

"it's important to understand that your existing home and contents insurance may not cover your business activities or your clients in the event of an accident or illness. This is a common mistake for many businesses and can make you personally liable if an accident occurs."

So if you are one the one million home based business owners its SMART that you are looking for insurance.

You may also have come to the SMART place to get suitable and affordable cover as we help owners of home based businesses find appropriate and competitive cover every working day.

While every home business is slightly different, our team of friendly insurance brokers specialise in small business insurance and may be able to help make a complex and risky process easy and affordable for you.

Types of home based businesses we may be able to assist with insurance:

Below are some of the home businesses we may be able to assist with cover:

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 home business activities.

1300 542 573

TALK to a SMART Business Insurance adviser

Types of insurance cover for home business owners to consider :

  • Public liability insurance – can protect you to any harm form customers and suppliers visiting your home.
  • General property insurance – can cover damage or loss to and business equipment such as computer, office furniture, mobiles , tools or stock.
  • Business insurance pack – you may be able to combine multiple covers in a specially designed policy for small business. Ask your SMART broker for details.
  • Workers compensation – cover for employees
  • Marine cargo – cover if you receive or send goods via post or freight
  • Professional indemnity – if you provide professional advice or a fee.
  • Cyber insurance - against claims for customer data and privacy breaches
  • Commercial motor – if you use vehicles for commercial purposes
  • Personal Accident and Sickness – to protect your personal income if you can't work for an extended period.

Trying to work out what insurance your home business needs?

We may be able to assist.

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 home based business.

1300 542 573

TALK to a SMART Business Insurance adviser

SMART business insurance pro tip:

Document back up for home based businesses:

Back up documents at least daily on the cloud. Don't be cheap. Back it up a local Australia data centre; if possible ; within an hour's drive of your home based business; so that if something happens to your data you can get hold of it easily and return back to work quickly.

Home Business Insurance quotes

TALK to a SMART Business Insurance broker on 1300 542 573 or email us at for suitable and affordable insurance quotes for your home business.

1300 542 573

TALK to a SMART Business Insurance adviser

Business Hours:

Monday – Friday 8.45 am - 6.00 pm AEST