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Whether you’re a carpenter, electrician or painter, RACV Business Insurance has flexible cover to protect your tools, vehicles and public liability.
You can tailor your package by choosing from different cover options, so you don’t pay for insurance you don’t need.
This is a summary only – terms, conditions and policy limits apply. For the full details of what is and is not covered you can read the RACV Business Insurance Policy.
What is business insurance and what does it cover?
RACV Business Insurance can help to protect your business, your customers and your income from accident, injury, theft, or financial loss due to interruption.
No one knows your business needs like you, which is why Public and Products Liability is automatically included. Then you can choose from additional covers you might need to tailor the package to your business.
Does RACV Business Insurance cover small or large businesses?
RACV Business Insurance caters to the needs of small businesses and sole traders. This covers operations with less than 20 employees and less than $5 million turnover per year.
What is public liability insurance?
Public liability insurance is designed to protect your business against legal claims resulting from injuries to another person or damage to their property for covered events. If you work with clients or customers in public spaces, visit spaces owned or controlled by others, have visitors to your premises, or manufacture products, this cover could help cover unexpected costs when accidents happen.
How much public liability insurance do I need for my business?
Not all businesses are the same. That’s why the level of public liability insurance you need is unique to:
- the size of your business i.e. employees, income
- your risk appetite
- how much it would cost to fix the problem if a mistake is made.
You can cover your business for up to $20 million for public liability each year. We’ll ask you some questions to help you determine what level of cover is best to protect your business.
Why would businesses need professional indemnity insurance?
If a client of yours claims that you’ve made a mistake that caused them financial loss, the costs required to defend your business can be significant.
RACV Professional Indemnity Insurance can cover you for some unexpected costs like damages, claims investigations, public relations consultants and more.
The 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. Product(s) issued by Insurance Australia Ltd, ABN 11 000 016 722, AFS Licence No. 227681.