Businesses come in many shapes and sizes. That's why we offer cover for over 800 occupations.
Whether you’re a carpenter, electrician, handyman or painter, you can get cover for your tools, vehicles and more.
Whether you’re an accountant, consultant or software developer, help protect your business with Public Liability cover and Professional Indemnity Insurance.
Whether you’re a hairdresser, shop owner or florist, explore tailored cover options for your retail business.
Own a restaurant, café, bakery or catering company? Get the cover you need for your hospitality business.
Whether you’re a dietician, massage therapist or healthcare centre operator, explore a range of covers to help protect your business.
Whether you’re a cleaner, gardener or pet groomer, you can get business insurance to help protect yourself on the job.
Whether you’ve just started or have been in business for a while, things can go wrong at work. Having business insurance can help protect the business you’ve worked hard for as a sole trader or small business owner
You may be required to have business insurance for your profession or for certain contracts you take on. That’s why it’s important to consider your business’s unique needs and circumstances.
Enjoy partner benefits from us, to you. Because that’s what A Help Company would do.
When you get your policy online, this cover is automatically included. Our Business Insurance policy lets you build a policy for your business. You can apply to add different cover types like Property, Glass and more.
Up to 10% off online1
This protection is designed to cover businesses that give advice or provide a professional service, like consultants or other professionals.
It covers businesses for their civil liability from providing professional services, like advice, which causes certain types of loss or damage (like financial loss) to their clients2.
Whether you’re a mechanic, motor vehicle detailer or auto electrician, our Motor Trade Insurance is designed to help businesses like yours4.
Commercial Motor Vehicle cover helps protect vehicles you use for business.
Depending on the level of cover you choose, it can cover accidental damage to your vehicle, damage to your vehicle caused by fire or theft, and damage you cause to other people’s vehicles or property in an accident2.
Mix and match our policy cover options and pay your premium by the month at no extra cost
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Did you know... last year, we paid out $70 million in business insurance claims.
Based on NRMA Insurance claims data figures for settled claims for 1 July 2023 – 30 June 2024.
Business insurance (also known as commercial insurance) is one or more types of insurance specifically designed for businesses.
Different types of insurance provide protection against different risks that businesses face. Some common types of business insurance include Public Liability Insurance and Professional Indemnity Insurance. There are also additional types of cover for things like your business premises, work tools and equipment, or to cover you in case of personal accident or illness, business interruption, theft and more.
Whether you’re a sole trader or run a small-to-medium enterprise (SME), you can get a single business insurance policy or combine multiple products to suit your business’s needs. This can help ensure you’re protected in case an unexpected event negatively impacts things like your operations, reputation and cash flow.
While your business may not be required to have insurance, without it you could face significant costs if things go wrong at work.
Liability claims can happen to businesses in any industry, which is why Public Liability Insurance is the most common type of cover taken. If you offer professional services or advice as part of your business, you may be at risk of indemnity claims, which is what Professional Indemnity Insurance is designed to cover.
For example, you could face a claim as a builder if someone is injured falling over your tools on a job site, or as a tax agent if your advice negatively affects one of your clients. If a claim is made against your business and you don’t have the appropriate type and level of insurance, you would have to pay legal fees and manage the loss of income if you’re unable to operate your business while handling the claim.
Other parts of your business may also be at risk including your business premises (like your shop, workshop or office space), tools and equipment, work vehicle and money as these can be lost, stolen or damaged and create additional costs for your business.
Having a business insurance policy can help provide financial cover if an unexpected event creates additional costs for your business.
For example, if you have an active insurance policy with up to $10 million of Public Liability cover and a customer makes a covered claim against your business, your insurance could cover you for up to $10 million for loss or damage costs resulting from the claim.
You’ll only be covered for the events and items that are specifically included in your business insurance policy, so it’s important to choose the right type and level of cover to suit your business’s needs.
It can cover a range of things that are important to your business. The most common type of business insurance is Public Liability Insurance, which can cover some costs if a liability claim is made against your business.
If you'd like cover for other parts of your business like your work tools, stock, vehicle or business premises, you can add these as cover options when you build your business insurance policy.
Every business is different, so as a small business owner, you should think about the type of business you operate and the risks that can come with it.
Business insurance can help protect your business from a range of unexpected costs, like property damage and liability claims.
Common insurance options include Public Liability Insurance and Professional Indemnity Insurance. Public Liability Insurance helps protect you against claims of negligence, like if you own a shop and a customer trips on a fallen box and hurts themselves, or you run a bakery and a customer gets very sick after eating an unrefrigerated cake. Professional Indemnity Insurance is designed for professionals who offer services or advice as part of their business, like architects, personal trainers, tax agents and marketing consultants.
Legal bills and compensation can be very expensive and put your business’s cash flow at risk. To help protect what you’ve built, we offer different types of insurance, including Public Liability Insurance, Professional Indemnity Insurance and Farm Insurance.
Yes, Public Liability can protect your business against claims of negligence from clients or suppliers who visit your home. For example, if a client comes to your home for a meeting, and they trip on a loose wire and hurt themselves.
Public Liability Insurance protects you in case of damage or injury caused by your staff or on your business premises. For example, if you’re a tradie working on a job site and someone trips over your tools and hurts themselves.
Professional Indemnity Insurance protects you in case of damage caused by your negligent or mistaken professional advice or services. For example, if you offer tax advice as part of your accounting practice and the information turns out to be incorrect and negatively impacts your customer.
You can get Public Liability Insurance, Professional Indemnity Insurance, or both when you get a quote.
There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:
A Certificate of Currency is proof that you have an active policy.
A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.
If you’re a small business owner, the insurance you choose will depend on factors like your business type, size, industry and sector.
Small businesses of all industries can benefit from having Public Liability Insurance. This is the most common type of business insurance, whether you’re a sole trader or a business owner with multiple employees.
NRMA Business Insurance is designed with small businesses in mind, offering the flexibility to choose your level of Public Liability Insurance and add cover options for the specific things that matter most to your business.
For example, retailers and hairdressers might want extra cover for their shop and stock, while carpenters and plumbers may want to cover their tools and work ute.
You can build a policy to suit your small business when you get a quote.
It depends on a number of factors, including the type and level of cover you choose, the type of business you run and how many staff you have.
The quickest way to get an estimate of how much it costs is to get a quote.
The best way to explore your business insurance options and find out how much it will cost is to get a quote. When you compare business insurance policies online, you should consider what is most important to you and your business.
This may include the level of cover you need, which cover options you’re looking for, if you need instant cover, how reputable the insurer is, how much your insurance will cost, payment options and the overall flexibility of your policy.
You can find more information about our Business Insurance in the Product Disclosure Statement (PDS) and in your Certificate of Insurance once you get your policy.
This is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations available from this website.
