Insurance for home businesses

Enjoy a $150 Virtual Visa Gift Card. It's all yours, with a new eligible business insurance policy.

Use promo code BUSINESS

Offer ends 2 December 2024. Excludes Farm Insurance and Motor Trade Insurance. T&Cs apply. Policy must be held for a minimum of 30 days from making the first complete payment. Valid email address must be provided.

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Call 132 818

Save up to 10% when you get a new Business Insurance policy online

Our Business Insurance is flexible, and can be easily customised to meet your business’ needs.

You can choose from a range of options to cover your business, from Public Liability cover to protection for your work tools, commercial vehicles, and more.

Plus, if you get a new Business Insurance policy online you can save up to 10%1.

Learn more

Cover options

Here are some of the covers available within our Business Insurance product. You can mix and match to create a policy with the covers you’re looking for.

Public liability

For compensation claims if your business accidentally causes an injury or property damage and you’re found to be liable for it2.

Property

Covers insured property like buildings, contents or stock, for damage from fire, storms and other covered causes2.

Theft

Covers insured property like business contents and stock from loss or damage due to theft2.

Portable property

Covers insured property like tools and devices while they’re away from your business premises, against specific events like theft from a locked vehicle2.

Computer and electronic equipment

Cover for your office’s computer systems or electronic equipment, for sudden and unforeseen breakdown or damage from specified events like fire or storm2.

Tax investigation

For professional costs if investigated or audited by the ATO or a government revenue office about taxes payable by your business2.

Commercial motor

You can insure the vehicles or trailers used in your business, with different levels of cover available2.

Personal accident and illness

This can provide you with a weekly benefit, if you can’t do your regular work due to a covered injury or illness2.

Machinery

Cover for sudden and unforeseen breakdown of your specified business machinery2.

Employee dishonesty

Cover for loss of money or goods caused by employee fraud or dishonesty2.

Money

Covers insured property like business contents and stock from loss or damage due to theft2.

Business interruption

Cover for certain loss (as detailed in your PDS), if your business is interrupted by specific types of damage2.

Glass

For certain accidental breakages of items like your shopfront windows, glass shelving and display cabinets2.

See more

Important documents

Need your certificates or tax invoice?

There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:

  1. Check your email to see if you received your policy documents on the date of purchase.
  2. Log in to your account and read our step-by-step process on how to find your documents online.
  3. If you don’t have an account, chat to us or call us on 132 818.

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.

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

Speak to us

Can’t find what you’re looking for? We’re here to help. Talk to us over the phone or chat to us online.

You can also ask us to contact you about a Business Insurance quote.

Things you should know

  1. You can save up to 10% on the ‘base premium’ for the first year when you purchase an eligible new NRMA Business Insurance policy online. The base premium is the premium we have calculated but does not include any government or statutory charges. Any discounts only apply until you reach a minimum premium, so your discount might be limited by the minimum premium (in which case the discount applied may be significantly below the maximum advertised discount). If your base premium is $220 (the minimum base premium for NRMA Business Insurance) you will not receive a discount under this Business Insurance Online Offer. This offer is available on eligible products only, excludes Motor Trade Insurance, Farm Insurance, Professional Indemnity Insurance, Information and Communications Technology Liability Insurance. Separately, you can save up to 10% on the base premium (up to $100 only) for the first year when you purchase a new NRMA Hobby Farm Insurance policy online. These online offers may be withdrawn at any time. The Business Insurance Online Offer is subject to its full terms and conditions, and the Hobby Farm Insurance Online Offer is subject to its full terms and conditions. When we calculate your premium on renewal, we may limit any increases or decreases in your renewal premium by considering factors like your previous year’s premium. Cover is subject to standard underwriting and policy terms.

  2. Terms, conditions, limits and exclusions apply. See the relevant Product Disclosure Statement for further details.

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.