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Home Business Insurance

Protect your home-based business with flexible coverage options

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Flexible insurance for home-based businesses

Whether you’re a home-based baker, caterer, beautician or accountant, RACV Business Insurance has flexible cover to protect your tools, vehicles and public liability.

Key inclusion

You can tailor your package by choosing from different cover options, so you don’t pay for insurance you don’t need.

Cover suited to home-based business owners

Public and product liability

Protects you from claims of accidental damage or injury caused to an individual if you’re found to be liable.

Property damage

Protects you for loss or damage to your business tools, equipment, contents and stock at the premises, or a building in the event of a fire, storm or other covered events.

Portable property

Covers your business tools and equipment (e.g. laptops or mobile phones) against accidental fire or theft, anywhere in Australia.

Theft and money

Covers you if a person breaks into your business premises (or rental property) and steals your stock, contents, equipment, or money.

Business Interruption

Covers your business expenses if your gross income is interrupted by damage caused by an incident we cover.

This is a summary only – terms, conditions and policy limits apply. For the full details of what is and is not covered you can read the RACV Business Insurance Policy.

Additional cover to tailor your package

Employee dishonesty

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

Commercial motor vehicles

Covers the motor vehicles you use to operate your business, including vans, utes and trailers.

Machinery

Covers breakdown of certain machinery you need to run your business, like vacuum cleaners, ovens or air conditioners.

Tax investigation

Covers the cost of professional fees resulting from an audit or investigation which relates to you paying a tax.

We'll make it quick and easy

Tailored to your business

Optional covers tailored to your business, so you don’t pay for insurance you don’t need.

We'll save you time

Get a quote and cover online or by phone. We’ll reduce unnecessary paperwork and save you time.

Trusted by thousands

Protecting thousands of Victorian businesses like yours.

Frequently asked questions

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.