Great flexible cover
So you can choose the insurance you want and don’t pay for insurance you don’t need.
Commercial property owners can get covered with RACV Business Insurance
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Your property can be protected
You can choose to include cover for legal liability, business interruption and more.
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Payment options
Monthly and annual payment options available.
RACV Business Insurance for commercial property owners is there to protect your commercial property portfolio. It’s packed with great features and benefits and can be tailored so you can choose the insurance you want and don’t pay for insurance you don’t require.
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Great protection for your commercial property and contents
Can include cover for some fire, storm, rainwater, explosion, burst pipes, vehicle and tree impacts, vandalism, malicious damage and damage by burglars.
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Public liability cover to the amount you choose
Can cover your liability for personal injury and property damage for covered events.
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Business interruption and additional working costs following an incident
If a covered incident interrupts or interferes with your business, your loss of profit or additional working costs needed to maintain your business may be covered.
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Theft cover
Can cover your insured buildings, contents and stock up to the sum insured with one automatic reinstatement every year, subject to payment of the applicable premium.
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Glass breakage
If glass cover is taken out, it automatically includes cover to any sign writing or ornamentation affixed to broken external glass up to $7,500.
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Tax audit costs
Cover for professional fees incurred as a result of a tax audit or investigation, subject to meeting the requirements of the PDS, can be included.
Terms, conditions, limits and exclusions apply. Read the Product Disclosure Statement for a detailed list of inclusions and options.
RACV Business Insurance Product Disclosure Statements
RACV Business Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date or renewal effective date on or after 30 May 2021.
RACV Business Insurance Supplementary Product Disclosure Statement (Supplementary PDS) Edition 04/21 will apply to policies with a start date or renewal effective date on or after 30 May 2021.
RACV Business Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date or renewal effective date on or after 6 September 2020 and new business policies with a start date or renewal effective date before 30 May 2021.
RACV Business Insurance Supplementary Product Disclosure Statement (Supplementary PDS) Edition 03/21 will apply to policies with a start date or renewal effective date on or after 31 March 2021 and new business policies with a start date or renewal effective date before 30 May 2021.
RACV Business Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date or renewal effective date on or after 1 December 2018 and new business policies with a start date or renewal effective date before 6 September 2020.
RACV EasyBiz Insurance Retail, Professional, Hospitality Product Disclosure Statements
RACV EasyBiz Insurance Retail, Professional, Hospitality Product Disclosure Statement and Policy Booklet for renewal policies with a start date on or after 30 June 2019.
RACV Easybiz Insurance Retail, Professional, Hospitality Supplementary Product Disclosure Statement (Supplementary PDS) Edition 10/20 will apply to policies with a commencement date or with renewal effective date on or after 17 October 2020.
RACV EasyBiz Insurance Tradesperson Product Disclosure Statements
RACV EasyBiz Insurance Tradesperson Product Disclosure Statement and Policy Booklet for renewal policies with a start date on or after 1 December 2018.
RACV Easybiz Insurance Tradesperson supplementary Product Disclosure Statement (Supplementary PDS) Edition 11/18 will apply to policies with a commencement date or with renewal effective date on or after 1 December 2018. This Supplementary PDS replaces previous versions 1.1, 1.2, 1.3, 1.4 & 1.5 & 1.6.
RACV EasyBiz@home Business Insurance Product Disclosure Statements
RACV EasyBiz@home Business Insurance Product Disclosure Statement and Policy Booklet for renewal policies with a start date on or after 1 December 2018.
RACV EasyBiz@home Business Insurance supplementary Product Disclosure Statement (Supplementary PDS) Edition 11/18 will apply to policies with a commencement date or with renewal effective date on or after 1 December 2018. This Supplementary PDS replaces previous versions 1.1, 1.2, 1.3 & 1.4 & 1.5.
RACV Professional Indemnity policy
RACV Professional Indemnity Insurance Policy for new business policies with a start date or renewal effective date on or after 30 May 2021.
RACV Professional Indemnity Insurance Policy for new business policies with a start date or renewal effective date after 30 June 2019 and new business policies with a start date or renewal effective date before 30 May 2021.
RACV Information Communication and Technology Liability Insurance
RACV Information and Communication Technology Liability Insurance Policy for new business policies with a start date or renewal effective date on or after 30 May 2021.
RACV Information and Communication Technology Liability Insurance Policy for new business policies with a start date or renewal effective date after 30 June 2019 and new business policies with a start date or renewal effective date before 30 May 2021.
RACV Motor Trade Product Disclosure Statements and No Claim Bonus Information
RACV Motor Trade Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date or renewal policies with a renewal date on or after 9 April 2021.
RACV Motor Trade Insurance Supplementary Product Disclosure Statement for new business policies with a start date or renewal policies with a renewal date on or after 30 May 2021.
RACV Motor Trade Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date or renewal policies with a renewal date on or after 1 November 2018 and before 9 April 2021.
RACV Motor Trade No Claim Bonus Information is for new business policies with a start date or renewal policies with a renewal date on or after 1 July 2021.
Policy on developing and distributing retail insurance products
The issuer of RACV Commercial Insurance products, Insurance Australia Limited, aims to develop, and we aim to distribute, retail insurance that meets our customers’ likely needs, objectives and financial situations.
From 5 October 2021, we’ll Publish Target Market Determinations (TMD) to explain the groups of customers that we sell each retail insurance product to.
Related Links
Professional Indemnity ICT Indemnity Farm Insurance Public Liability Insurance Tradies Business Insurance Domestic Services and Repair Businesses insurance Professionals Business Insurance Hospitality Business Insurance Retail Business Insurance Commercial Property Insurance Home Business InsuranceRACV Business Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681. The information on this website is general advice only so before making any decisions, please consider your own circumstances and the Product Disclosure Statement.