Running a small business means making a hundred decisions before your first coffee. So it’s no surprise that insurance usually gets left on the “I’ll deal with it later” pile… until something goes wrong.

Your business property is like your home away from home and is the place where you work your magic. Whether you’re in the business of providing expert advice to clients or serving up the best lattes in town, if the building you own was damaged by an unexpected event, like fire, storm or vandalism, how could your business keep operating?

Running a business from home is common in Australia, with over 1.3 million “household” businesses recorded by the Australia Bureau of Statistics during FY25. The home office setup can give business owners flexibility and affordability, but it may also create unintended risk for your business and your personal property.

Your clients rely on your expert advice and services as a physiotherapist. You help ease their aches and pains from minor sprains to long-term rehabilitation programs. If something were to go wrong during their course of treatment, you could be faced with a costly claim that could have a career-ending impact on your reputation, a worry you could do without.

Getting a quote can be done online and only takes a few minutes.

Your business is your livelihood. So it’s vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, storms, theft and accidental damage.

If you own a small business, there’s no denying one the most important things you need to protect your assets is Small Business Insurance. But what kind of insurance do you actually need?

There’s no doubt that your business has grown and transformed since those early start-up days from when your small business dream became a reality. You’ve worked hard to make your business happen by investing time, effort and finances, so it makes sense that you would do anything to try and protect it.

For many business owners, business insurance can be a bit of a head-scratcher. Do you need it if you work from home? What’s the difference between Workers’ Comp and Personal Accident & Illness insurance? How much cover is enough, anyway?