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When you’re busy running a business, it can be hard to find time to sort out your insurance. That’s why we’ve made small business insurance flexible and available in multiple ways, so you have the confidence to choose the cover you need to protect what you’ve worked so hard to create.

QBE offers flexible business insurance to over 5,000 small business occupations in Australia, so if you’re a tradie, a bricklayer, accountant, lawyer, cafe or shop owner, we have you covered.

The Small Business Insurance Pack available directly from QBE is designed for tradies, professional services, food and beverage, and retail. Alongside the compulsory Business Liability cover — just pick and choose additional covers to suit your business needs. That way, you’ll be covered for what you need, and nothing you don’t.

From cover to claim, we strive to deliver the best possible experience, starting with a simple tool to get a quote and buy online.

Get a quote

Multiple covers in one simple policy

Our flexible Small Business Insurance Pack protects key risks for your business and can be tailored to include:


Available for all products*:

  • Business Liability (Options of $5 million, $10 million, $20 million)
  • Business Building and Contents
  • Portable Items
  • Business Interruption
  • Theft
  • Money
  • Glass

     


Available when you work with a broker^*:

  • Public liability - $50 million
  • Machinery or electronic equipment breakdown
  • Legal action by employees (Employment Practices)
  • Legal action by government (Statutory Liability)
  • Tax audit by government
  • Base cover

    When buying directly through QBE, you have a range of flexible options to choose from. Our direct small business product is designed for businesses typically with 1-10 employees and turnover under $1 million ($2 million for professional services).

    Business Liability

    Cover for amounts you become liable to pay, for personal injury or property damage caused in connection with your business. Business Liability must be included in this policy. You can also add the other covers below.

    Key inclusions:

    • Sums you become legally liable to pay relating to personal injury or property damage caused in connection with your business
    • Defence of claims or legal action against you.

    Get a quote

    Optional covers

    Business Building and Contents

    Cover for physical loss or damage to your business building and/or its contents.

    Key inclusions:

    • Accidental damage
    • Property temporarily removed from your business
    • Removal of debris
    • Employees’ tools, equipment, personal effects and clothing.

    Business Interruption

    Cover for loss of revenue and other expenses following a claim. If you want cover for Business Interruption, you must first select Business Building and Contents cover.

    Key inclusions:

    • Prevention of access
    • Additional increased cost of working
    • Claims preparation costs
    • Outstanding accounts receivable.

    Portable Items

    Cover for business contents that are taken away from the location your business operates from.

    Key inclusions:

    • Loss or damage arising from sudden and unforeseen accidents
    • Cover anywhere in Australia
    • Option to select blanket or specified items cover.

    Theft

    Cover against actual or attempted theft.

    Key inclusions:

    • Theft, fraud or dishonesty by your employees (sub-limit applies)
    • Theft without forcible entry (sub-limit applies)
    • Replacement of locks, keys and combinations
    • Temporary protection.

    Money

    Cover for cash at your business, in transit to home or the bank. This includes a seasonal increase period.

    Glass

    Cover for windows, shop fronts and signs against breakage or damage. If this occurs, cover includes temporary protection and shuttering.

    Get a quote

    Why businesses prefer QBE

    How to buy QBE Small Business Insurance Pack

    You can buy direct through our simple quote and buy tool or via a broker or QBE authorised representative. 

    Get a quote now

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    Buying through a broker

    If you can’t solve your insurance needs with our direct product, you can work with a trusted broker who can arrange insurance to meet your specific needs. Brokers can help you with your motor, directors and workers compensations insurance and more.

    If you don’t have a reliable recommendation, the National Insurance Brokers Association (NIBA)* can help you find an accredited broker. Or see our guide to finding the right broker.

    *The brokers on this site are not employees or agents of QBE but are independent entities. QBE is not responsible for any advice provided to you by any broker on this site. Any such advice is the responsibility of the broker concerned.

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    Reliable business insurance when you need it

    When you’re covered with QBE business insurance, you’ll be protected against some of your biggest risks. And in prickly situations, you’ll have access to expert claims teams and a responsive supplier network on hand to help, so you can keep operating with minimal disruption.

    After all, when time is money, downtime is money down the drain.

    If you’re researching and comparing insurance policies, it’s important to remember that the cheapest business insurance for small business isn’t always going to give you the best cover or service. Read the policy wording or check with your broker to make sure the policy you choose covers all your business needs.

    You might be interested in...

    Public Liability insurance

    Operate with confidence knowing you’re covered if a third party claims against you for property damage or personal injury caused by your people or products.

    Professional Indemnity insurance

    A financial safety net if you’re unavoidably sued for damages caused by negligence, mistake, or omission when providing a service or advice to customers.

    Commercial Motor insurance

    Flexible cover for any number of business vehicles, with policies designed to meet your needs. For everything from cars, utes and vans to trucks and earth movers.

    Workers Compensation

    Essential cover for your workers, delivered by experts. We also provide specialist training and advice to help your people and business thrive.

    Corporate Travel insurance

    Provides protection while travelling on company business anywhere in the world.

    Personal Accident and Sickness insurance

    Tailored protection for individuals and self -employed people of any trade in the event of injury or sickness. You can cover your working hours or opt for 24-hour protection.

    * Benefits listed are subject to terms and conditions. Limits and exclusions apply.
    ^These sections are not available in QBE’s direct product, to access these options please speak with a broker

    This advice is general in nature and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. To decide if this products is right for you, please read the QBE Small Business Insurance Policy Wording. Insurance issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545).