The Product Disclosure Statement and Policy Booklet (PDS) contains the terms and conditions of our Business Insurance policy. Download the policy booklet.
We understand that the insurance needs of home based businesses are different. We have drawn on our years of experience in insurance to create a special kind of policy option. Build the policy to suit you out of a choice of cover options that are right for your business, and pay only for the insurance you need.
Why wait? Call us today on 132 818.
A day in the life of Crisis Claire
Claire is our case study character and her day of disasters will illustrate how having the right insurance cover is essential to your particular business. Fortunately, Claire does not exist. Her experiences are a compilation of the typical claims we receive from home business operators.
Claire loves running her interior design business from home. It gives her the freedom to work where and when she wants. She’s started the day reviewing some client files in a café. Unfortunately, a waiter trips and sends Claire’s coffee flying – all over her laptop. It’s no use as it won’t restart. Claire has Business Property Away from Home Cover though so her laptop is covered.
Claire’s about to head for the bank when she reaches for her bag – it’s been stolen, along with $3,200 in client fees which she was going to deposit into her account. Claire’s relieved to remember that money earned by her business is insured under Business Money Coverage.
Claire heads home to make some calls. She is waiting to cross the street and watches in horror as a garbage truck runs into her car. It’s a mangled wreck. Claire’s car, which she needs to run her business, will be repaired under her motor vehicle insurance. Fortunately, the product samples she had in the boot will also be covered under the Business Property Away from Home Cover.
When she finally gets home, Claire finds the front door to the house wide open. The lock has been broken and she’s been burgled. In her office the multi-function centre has been stolen as has her computer and monitor. A painting she had purchased for a client is also missing. Claire’s business items are insured and can be replaced under her Burglary Cover.
But it’s not just her business items that have been stolen. Claire’s husband’s MP3 player and stereo are also gone from the lounge room. Luckily, Claire combined her domestic Home and Contents Insurance with her Business Insurance, making the claims process that much easier.
Claire’s stress levels leave her unwell and, after an emergency trip to the hospital, her doctor instructs her to take three months off work. Fortunately, Claire can recuperate without the stress of worrying about her income because she has Personal Accident and Illness Cover that pays her a wage while she recovers.
The above scenarios sketch the broad outlines of some of the cover options suitable to your particular business. For further details on the cover, additional benefits and exclusions for each cover option, as well as further cover options, please consult the Product Disclosure Statement or call us on 132 818.
As a home based business owner, you may want to consider such cover options as:
- Liability for personal injury and property damage
- Fire, storm and other defined events (includes malicious damage)
- Burglary
- Property away from home
- Money
- Personal accident and illness
More information on all Business Insurance cover options.
Taking the next step
Call us on 132 818 to request a quote or to discuss your needs with a Business Insurance Specialist.
Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. When making decisions about the product you should consider the Product Disclosure Statement available from NRMA Insurance.
