Whether you’re a carpenter, electrician or painter, there are flexible cover options to protect your tools, vehicles and public liability.
Cover tailored to your business
RACV Business Insurance provides cover for different industries to protect businesses like yours.
Trades
Professionals and consultants
Whether you’re a tax agent or graphic designer, choose the right level of cover to protect your business.
Retail and market stall
From retail stores to market stall holders, RACV Business Insurance can protect your shop and its stock.
Hospitality
Own a restaurant, cafe or catering business? Get tailored cover for your hospitality business.
ICT professionals
Are you a programmer, project manager or website designer? RACV Business Insurance for IT professionals can protect your business.
Domestic services and repairs
Whether you're a handyman, domestic cleaner or pet groomer, RACV Business Insurance cover can protect your business.
Commercial property owners
Protect your commercial properties from a range of risks with commercial property owners insurance.
Farm Insurance
Protect your small hobby or leisure farm with RACV Farm Insurance.
Cover your basic business insurance needs
If your business doesn’t belong to one industry, you can choose which cover meets your needs.
Public Liability Insurance
Protects your business if you accidentally cause an injury to someone, or property damage, that you’re liable for.
Professional Indemnity Insurance
Protection for legal claims if your professional service or advice causes loss to your clients covered in your policy.
Home-based business
Do you run a home-based business? You may want to insure business assets that aren’t covered by your home and contents policy.
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Documents and help
Make a claim
If you already have an RACV Business Insurance policy, you can make a claim over the phone.
Frequently asked questions
RACV Business Insurance can help to protect your business, your customers and your income from accident, injury, theft, or financial loss due to interruption.
No one knows your business needs like you. RACV Business Insurance automatically includes Public and Products Liability, then you can choose from additional covers that you might need to tailor the package to your business.
Find out what can be covered by selecting which type of insurance is most suited to your business.
RACV Business Insurance caters to the needs of small businesses and sole traders. This covers operations with less than 20 employees and less than $5 million turnover per year.
Public liability insurance is designed to protect your business against legal claims resulting from injuries to another person or damage to their property for covered events.
Find out how RACV Business Insurance can protect your public liability.
Not all businesses are the same. That’s why the level of public liability insurance you need is unique to:
- the size of your business i.e. employees, income
- your risk appetite
- how much it would cost to fix the problem if a mistake is made.
You can cover your business for up to $20 million for public liability each year. We’ll ask you some questions to help you determine what level of cover is best to protect your business.
If a client of yours claims that you’ve made a mistake that caused them financial loss, the costs required to defend your business can be significant.
RACV Professional Indemnity Insurance can cover you for some unexpected costs like damages, claims investigations, public relations consultants and more.
We thank our business customers for their understanding and patience during the general insurance industry Business Interruption test case process. The test cases were an important step in clarifying how business interruption policy wordings were to be interpreted in the context of the COVID-19 pandemic. The courts have now finalised the test case process and the outcomes can now be applied in determining COVID-19 pandemic business interruption claims.
There have been two test cases in relation to business interruption cover and COVID-19 impacts that now have a final outcome. The outcome of these test cases may impact your entitlement to cover under a business interruption policy.
- The first test case determined that certain policy exclusions that referred to a disease declared to be a quarantinable disease under the Quarantine Act 1908 (Cth) could not be applied to claims relating to COVID-19.
- The second test case determined various issues relevant to business interruption cover, providing clarity on to the interpretation of business interruption policy wordings. The court determined that in all but one case the policyholders were not entitled to cover under their policies. In the remaining case, the court found that the policyholder may be entitled to cover under the particular terms of their policy. As a result, certain policyholders may be entitled to cover depending on the particular terms of their policy and the facts and circumstances of their claim.
- In the second test case, the court also determined that a disease exclusion clause that referred to a disease declared to be a ‘listed human disease’ under the Biosecurity Act 2015 (Cth) applies to exclude cover for COVID-19.
Further information in relation to the test cases is available on the Insurance Council of Australia’s website.
Your entitlement to cover will depend on the particular terms of your policy wording and the individual facts and circumstances of any loss you may have suffered.
If your business has been affected by COVID-19 and you have business interruption cover, you can talk to us about making a claim on 13 19 03 or contact your broker.
If you have already lodged a claim under your business interruption policy for COVID-19 impacts we will contact you separately in relation to this claim.
Tips and advice for your business
The information provided is general advice only and does not take into account your personal circumstances. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As a referrer, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Australia Ltd, ABN 11 000 016 722, AFS Licence No. 227681.