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Every business is different, so the industry in which you operate and the products and services you provide will determine the insurance required for your small business. Small business insurance can include cover for your business liability, business buildings and contents and more. QBE Small Business Insurance is designed for occupations like accountants, hairdressers, café owners and tradies.
Why choose QBE Insurance?
Flexible cover
Our range of insurance options ensures you have the flexibility to choose the cover you need for your car, home or small business.
Claim online anytime
In tough situations, you’ll have access to expert claims teams and a selected supplier network ready to help.
Trusted insurer
We’re an insurer that's been protecting Australians for 140 years.
QBE can help cover your small business
What’s included?
Business Liability cover (sometimes referred to as public liability cover) covers personal injury or property damage caused in connection with your business, with the option of a $5m, $10m or $20m limit.
Optional cover you can add to your policy
(for an additional premium)
- Business Buildings and Contents cover for physical loss or damage to your business buildings and/or your business contents caused by an insured event up to the limit you select
- Business Interruption cover for loss of gross income up to the limit selected as a result of covered loss of, or damage to, property insured under 'Business Buildings and Contents', 'Money', 'Theft', 'Glass' or 'Portable Items' sections
- Portable Items cover for insured items that are taken away from the location your business operates from, up to the limit you select
- Theft cover for loss of or damage resulting from theft or attempted theft of business property up to the limit specified
- Money cover for loss of or damage to money belonging to you and connected with your business, up to the limit you select
- Glass cover for damage to internal and external glass at the business premises
- Breakdown cover for the cost of repairing or replacing insured business machinery if it breaks down, up to the limit you select
- Tax Audit cover for accountant fees associated with a statutory tax audit, up to the limit you select.
This is a summary only. To find out more please read the QBE Small Business Insurance Policy Wording for limits, exclusions and conditions that apply.
Frequently asked questions
QBE Small Business InsuranceSmall business insurance is designed to help business owners manage a variety of risks. It typically bundles a variety of cover types together in one easy-to-manage policy, rather than buying each one separately, saving time and potentially cost. The most common type of cover is public liability, which can provide financial protection if a liability claim is made against your business. Other additional options may be available to cover things like your business buildings and contents, machinery and equipment, tools and stock or cover for business interruption, theft and more.
Most businesses face some type of risk every day, even small businesses, which is why insurance is so important. Also, there are some types of insurance that are compulsory for many small businesses. For example, it might be a legal requirement to have a certain level of public liability cover before you can start work. You may also wish to consider other cover depending on your business needs, preferences and risk profile.
Every business is different, so the industry in which you operate and the products and services you provide will determine the insurance to consider for your small business. Most businesses need business liability cover which is why QBE’s Small Business Insurance automatically comes with business liability cover. It covers you for all sums you become legally liable to pay by way of compensation in respect of personal injury or property damage happening during the period of insurance and caused by an occurrence in connection with your business occupation.
If you’d like cover for other parts of your business, like your business buildingd, tools and equipment, and glass, you can choose to add these as options when you get a quote.
Read the QBE Small Business Insurance Policy Wording to decide if the product is right for you.
Business liability is sometimes referred to as public liability and provides protection to businesses or individuals in case they’re held legally responsible for causing bodily injury or property damage to third parties, in connection with your business occupation. The cost of this cover will depend on a number of factors, like the type of business and the risks involved. Every business is unique, so we ask questions to determine our pricing and if we're able to offer the covers selected. You can choose the cover you need to obtain protection for your small business when you get a quote.
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*Up to 10% discount for buying a new QBE Small Business Insurance policy online. Minimum premiums apply which may limit the actual discount received. Discount applies to first year’s base premium and is applied before GST and other applicable government fees, duties and charges.