Your business is unique. Your insurance should be too

We insure thousands of businesses, all around the country. Every day, we speak to businesses of different shapes and sizes. Now, we’ve used this in-depth knowledge to create Expert Advice, an online tool that recommends the right business insurance cover for your situation.

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How does Expert Advice work?

You answer some questions online about your business, with help and guidance at every step

We recommend insurance cover for your business, at a level that’s best for your situation

Your insurance is ready to purchase right away, or you can customise it to suit your business needs

Quick and simple

You’ll get a personalised recommendation in as little as 10 minutes. You can buy your insurance right away or come back later – your recommendation and quote will be valid for 21 days

With industry-specific examples of how each product could be used, you’ll understand how your cover works in the real world.

Experience makes a difference

We’re one of the country’s oldest and largest general insurers, protecting Australians and the things they care about for over 90 years.

This means you can be confident that our recommendations are backed up by knowledge and experience.

Let's get started

Answer a series of questions to help us understand your business, and we’ll create a recommendation tailored just for you.

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Frequently Asked Questions

Who can use Expert Advice?

Expert Advice is available to small business owners who:

  • Operate as a hairdresser, barber, beautician, manicurist or spray tanner (not solariums)
  • Operate a business in the food and beverage industry, like a café, restaurant, takeaway shop or bakery
  • Have from one to 10 full-time staff (or equivalent)
  • Have an annual revenue of less than $2 million.

What cover is available through Expert Advice?

The sections in the NRMA Business Insurance product that we can provide cover on are:

  • General products and liability
  • Contents
  • Stock
  • Business interruption
  • Money
  • Theft
  • Glass
  • Portable stock
  • Portable contents.

Full details of these covers are in the Product Disclosure Statement (PDS).

What cover isn’t available through Expert Advice?

The following insurance covers in the NRMA Business Insurance product aren’t available through Expert Advice. Some of these covers may be suitable for your business – please contact us if you want to add them to your policy.

  • Building
  • Burglary
  • Commercial motor vehicles
  • Personal accident and illness
  • Machinery
  • Computer and electronic equipment
  • Fraud or dishonesty
  • Taxation investigation
  • Domestic house and its contents.

Why choose NRMA Business Insurance?

We're flexible

Mix and match our policy cover options and pay your premium by the month at no extra cost 

We're trusted

Australia's Most Trusted Insurance Brand, 3 years in a row

Roy Morgan Most Trusted Brand Awards 2022, 2023 and 2024

We mean business

Speak to our Australian-based consultants specialised in business insurance

We're here to help

Contact us by phone, web chat, at a branch or via our claims helpline