RACV Business Insurance is there to protect your business, whatever your trade
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RACV Business Insurance is a no fuss insurance option for tradies, domestic services and repair businesses. It’s packed with great features and benefits and is flexible so you choose the cover you want and don’t pay for insurance you don’t need. Get a quote online or call RACV today (13 RACV) to pick up your insurance cover over the phone – it’s that easy!
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Great flexible cover
So you can choose the insurance you want for your business and don’t pay for insurance you don’t need.
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Get it over the phone
Easy to arrange, no fuss and with minimum paperwork. Call 13 72 28 today.
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Payment options
Monthly and annual payment options available.
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RACV Business Insurance - cover for tradies, domestic services and repair businesses
Cover for electricians, carpenters, painters, plasterers, cabinet makers, bricklayers, carpet layers, paving contractors, plumbers and many other trades.
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Options for gardeners and domestic services businesses too
Includes an extensive range of insurance options you can tailor for your business.
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Liability cover to the amount you choose
Covers your liability for personal injury and property damage, including product liability and use of unregistered vehicles.
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Portable property insurance for your tools
Option to include cover for your tools anywhere in Australia for physical loss or damage caused by theft following forcible and violent entry, fire or accidental loss or damage.
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Your business vehicles can be covered
For accident, fire or theft, with up to $35 million in liability cover if they cause property damage or bodily injury to others, including damage caused by the goods falling from your vehicle or during unloading.
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A hire vehicle following a covered fire or theft of your vehicle
Up to $3,000 in total for hiring a replacement vehicle of similar make and model or carrying capacity if you choose cover for Commercial Motor Vehicles.
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Laptops, mobile phones and computers
Option to include cover for physical loss, destruction or damage at your property (except by fire or specified perils), with the option to extend cover for their temporary removal to anywhere in Australia.
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Your health is your most important asset
So you can add cover for personal accident and illness - lump sum benefits for covered injuries or illnesses or up to 104 weeks of weekly benefits while unable to do the normal duties of your job due to injury or illness.
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.
RACV Business Insurance Target Market Determination
A TMD helps you understand the types of people (called the ‘class of customers’) our insurance policies are designed for, considering their needs, objectives, and financial situations.
RACV Motor Trade Target Market Determination
A TMD helps you understand the types of people (called the ‘class of customers’) our insurance policies are designed for, considering their needs, objectives, and financial situations.
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 InsuranceThe information provided is general advice only. 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 distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Insurance product(s) issued by Insurance Australia Ltd, ABN 11 000 016 722, AFS Licence No. 227681.