Your business and the way it’s run is unique. That’s why we give you options so you can tailor your cover. For insurance suitable for your specific industry, our Small Business Insurance Pack has your business needs covered.
QBE's Small Business Insurance Pack comes with Business Liability cover as your base. Then you add any additional covers to suit your specific needs. Easy.
Use our simple tool to get a quote and buy online today.
Where your business risks are complex talk to your broker who can tailor insurance cover for your business needs.
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^*:
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.
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.
Why small businesses prefer QBE
Flexible cover
Our range of small business insurance options ensures you have the flexibility to choose the cover your business truly needs, without paying for extras you would never use.
24/7 claims service
In tough situations, you'll have access to expert claims teams and a selected supplier network ready to help fast - so you can keep operating with minimal disruption.
Award winning insurance
We're proud to be recognised for the effort we put into our products, the service we provide our customers and partners and the way we look after our people. Find out more about our awards.
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
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.
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.
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Read more* 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 product is right for you, please read the QBE Small Business Insurance Policy Wording (QM9264). Insurance issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545).