Small business insurance: what does it cover
- Public liability insurance (also known as business liability insurance) is included with QBE Small Business Insurance
- You can select from different covers to suit your business needs
- Public liability is usually a requirement for tradespeople on work sites in Australia1
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 glance.2 Then you can add different covers to suit your business needs and protect what you’ve worked so hard for.
QBE Small Business Insurance
| Cover type | Included | Add options |
|---|---|---|
| Business liability (public liability and product liability) | ✔ | |
| Portable items | ✔ | |
| Theft | ✔ | |
| Glass | ✔ | |
| Money | ✔ | |
| Business buildings and contents | ✔ | |
| Machinery breakdown | ✔ | |
| Business interruption | ✔ | |
| Tax audit | ✔ |
Public liability insurance
QBE Small Business Insurance comes with business liability (public liability) cover as your base. It provides compensation for third party personal injury and property damage caused in connection with your business.
Extra covers you can choose
Portable items
Covers insured items for loss or damage, such as tools of trade, mobile phones and laptops.
Related article: How to cover your trade tools
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.
Related article: Small business insurance for property and contents
Machinery breakdown
Covers breakdown of machinery at your insured address, that needs immediate repair or replacement so it can continue to be used.
Business interruption
Covers loss of gross income up to the limit selected, as a result of loss or damage to the property insured under Business buildings and contents, Money, Theft, Glass, or Portable Items cover.
Tax audit
Covers the cost of hiring an accountant to conduct a legally required tax audit of your business.
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.
QBE Small Business Insurance Get a quote
1 Insurance | NSW Fair Trading
2 QBE Small Business Insurance Policy Wording (QM9264)