Protect your home-based business with RACV Business Insurance options

Cover for dressmakers, accountants, bookkeepers, caterers, artists, designers, programmers and more that work from home.

Can cover your liability for personal injury and property damage for covered events.

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.

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.

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.

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.

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.

Available for money in transit, on premises and in a private residence. There is also a 50% seasonal increase 60 days before Christmas Day and 21 days following Christmas Day.

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.

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.

You can include cover for your machinery for sudden and unforeseen breakdown, and also for the hire of temporary machines while yours are being repaired.

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.