Business Insurance - RACV
contact RACV on 13 72 28. Call 13 19 03 for insurance claims.

Business Insurance

Business Insurance

woman filling out forms

If you're a business owner RACV Business Insurance delivers the security and flexibility every business deserves with a minimum of fuss.

Our Business Insurance:

  • Provides levels of cover that can be adapted to suit your needs.
  • Allows you to pay only for the cover options you require.
  • Provides a Pay by the Month option.
  • Allows your assets and legal liabilities to be covered in the one policy.

Check out our competitive prices for Business Insurance and make the change. And don't forget, we're on hand between 8:30am and 7pm Monday to Friday to help.

Call 13 RACV (13 7228) to get an estimate, arrange a policy or for more information request a quote online.

get an insurance estimate

Features of RACV Business Insurance

RACV Business Insurance has great features and benefits, and options that you can select to best protect your business.

Fire and other defined events

When disaster strikes you need to know that you'll be covered so that you can get things back to normal. We cover your business property against fire and other defined events, eg fire, lightning and storm.

Broadform liability

We offer cover that protects you from the potentially devastating cost of liability actions for both property damage and personal injury.

General property

If you are on the move or working from home, you need to know that your property is safe. We cover your stock in trade, tools of trade, plant and equipment, and customers' goods while in transit, against fire, flood, earthquakes, explosion or collision or overturning of your motor vehicle, and burglary from your residence or securely locked car.

Business interruption

We cover against loss of profit and additional costs incurred following damage to the premises by a fire or other defined event.


We cover your external and internal glass and advertising signs.


Burglary of a business can be costly. We protect your business from loss or damage due to burglary.

Cash theft

You can feel secure in the knowledge that your money can be covered at your business premises, in transit, and at your home. We can protect you for loss, destruction or damage to money.

Personal accident and illness

We believe that your health is your most valuable asset. So we offer cover (weekly and capital Benefit) to assist you financially if you become sick or are injured.

Machinery and electronic equipment

Even today's machinery breaks down and the consequences can be devastating. The RACV Business Insurance policy protects you against breakdown of machinery and explosion or collapse of boilers and pressure vessels and a range of protection for electronic equipment.

Motor vehicles

Motor vehicles keep your business moving, whether they are cars, trucks, utilities, trailers, forklifts or mobile machinery. We can offer cover for your vehicles against damage caused by accident or fire and against theft. Cover also includes up to $20 million for legal liability claims for property damage or personal injury caused by the use of the vehicle, or by loading, unloading or goods falling from the vehicle.

Fraud or dishonesty

Occasionally you may have dishonest employees in your workforce - that's a reality. We can offer cover for fraudulent or dishonest acts by your employees up to the sum insured for such cover.

Tax audit

If the Australian Tax Office (ATO) conducts an audit or in-depth investigation of your business, you'll need help. We cover professional fees incurred for such services.

Domestic home and contents

As part of your RACV Business Insurance Policy, we cover your home and contents for their replacement value.

Key Facts Sheet

The Key Facts Sheet sets out some of the events covered and not covered by this policy and other information you should consider.  This sheet does not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policy.  You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for more details.

Multiple risks

Accidents will happen, in fact they often do! We protect you and ensure that accidents don't turn into catastrophes by covering your specified property for loss or accidental damage.


RACV Combined Business and Farm Insurance Policy Booklets


RACV Business Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No 227681. The RACV Brand is used under licence from RACV. A Product Disclosure Statement (PDS) and Key Facts Sheet is available to download for this product or can be obtained by calling 13 RACV (13 7228) or visiting any RACV Shop. You should consider the PDS and Key Facts Sheet in deciding to acquire or continue to hold this product.