Great flexible cover
You can choose the insurance you want and don’t pay for insurance you don’t need.
Protect your home-based business with RACV Business Insurance options
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Your business can be protected
You can choose to include cover for business assets that may not be covered under standard home and contents insurance.
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Payment options
Monthly and annual payment options available.
RACV Business Insurance options can cover those who operate their business from home. It delivers protection that may not be covered by a standard home and contents insurance policy, is packed with great features and benefits and is flexible so you get the cover you want and don't pay for insurance you don't need.
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RACV Business Insurance - cover for home-based business
Cover for dressmakers, accountants, bookkeepers, caterers, artists, designers, programmers and more that work from home.
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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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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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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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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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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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Money cover
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.
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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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Your health is your business’s 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.
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Coffee machines, air conditioners and other machinery
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.
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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 on or after 8 October 2021, or with a renewal effective date on or after 13 November 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 30 May 2021 and a start date before 8 October 2021 and renewal date before 13 November.
RACV Business Insurance Supplementary Product Disclosure Statement (Supplementary PDS) Edition 1 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 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 on or after 8 October 2021, or with a renewal effective date on or after 13 November 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 9 April 2021 and a start date before 8 October 2021 and renewal date before 13 November.
RACV Motor Trade Insurance Supplementary Product Disclosure Statement (SPDS) Edition 1.2 will apply 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.
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.