Great flexible cover
You get the insurance you want and don’t pay for insurance you don’t need
If you work from home RACV has insurance to suit your needs
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Your business is protected
Covers your business assets that may not be covered under standard home and contents insurance
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Flexible payment options
Pay by the month by direct debit from a bank account or credit card with no additional charge, or pay annually
Call 13 72 28 to make an enquiry or get a quote
Available Monday to Friday, 8.00am - 8.00pm
About RACV home business insurance
RACV’s business insurance for home-based businesses is designed for the needs of 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.
When you have RACV business insurance for home business you can get on with what you do best every day knowing your business is backed by the strength and security of RACV.
What can be covered
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RACV insurance for any home-based business
Cover for dressmakers, accountants, bookkeepers, caterers, artists, designers, programmers and more that work from home
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Protects your buildings and contents for a broad range of incidents
Including accidental damage, 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
Covers your liability for personal injury and property damage on your premises and product liability
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Burglary cover
For your buildings, contents and any stock, up to the sum insured with one automatic reinstatement every year
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Your business motor vehicles are covered too
For accident, fire or theft, with up to $20 million in liability cover for their use including goods falling from your vehicle or during unloading
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Hire vehicle following theft
To keep you on the go, up to $100 a day for a hire vehicle for a maximum 14 days (no more than $1000 in total), plus up to $2000 cover for your hire vehicle excess
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Glass breakage including skylights, mirrors and neon signs
Including up to $1000 to reinstate advertising signs and up to $1000 for signwriting, temporary shuttering and repairing damage to window frames and door frames
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Property cover
Covered for loss, destruction or damage at your property, with the option to extend your cover to anywhere in Australia
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Money, including money on the way to the bank
Covered up to the sum insured for loss, destruction or damage in a safe or on the way to the bank, and up to $500 for money on your premises but not in a safe
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Business interruption and additional working costs following an incident
If an incident prevents or interferes with your business you are covered for your loss of turnover while it is resolved or the additional working costs needed to maintain your business
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Your health is your business’s most important asset
So you are covered for personal accident and illness too – lump sum benefits for accidents or up to 104 weeks of weekly benefits
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Coffee machines, air conditioners and other machinery
Your machinery is covered for breakdown and you can also secure cover for the hire of temporary machines while yours are being repaired
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Tax audit costs
Professional fees incurred as a result a tax audit or investigation are covered
Fact Sheets, Product Disclosure Statements, Premium, Excess, Discounts and Benefit Guides
RACV Business Insurance key facts sheets
RACV EasyBiz@home Business Insurance key facts sheets
RACV Business Insurance product disclosure statements
RACV Business Insurance Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after 1 December 2018.
RACV Business Insurance supplementary Product Disclosure Statement (Supplementary PDS) Edition 3.6 will apply to policies with a commencement date or with renewal effective date on or after 28 December 2015 and before 1 December 2018. This Supplementary PDS replaces previous versions 3.1, 3.2, 3.3, 3.4, 3.5 and 3.6.
RACV Business Insurance Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after October 2007 and before 1 December 2018.
RACV Business Insurance supplementary Product Disclosure Statement (Supplementary PDS) Edition 3.6 will apply to policies with a commencement date or with renewal effective date on or after 28 December 2015 and before 1 December 2018. This Supplementary PDS replaces previous versions 3.1, 3.2, 3.3, 3.4 & 3.5.
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 Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after September 2010 and new business or renewal policies with a start date before 30 June 2019.
RACV EasyBiz Insurance Retail, Professional, Hospitality supplementary Product Disclosure Statement (Supplementary PDS) Edition 1.5 will apply to policies with a commencement date or with renewal effective date on or after 28 December 2015 and before 1 December 2018 and new business or renewal policies with a start date before 30 June 2019. This Supplementary PDS replaces previous versions 1.1, 1.2, 1.3 & 1.4.
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 Insurance Tradesperson Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after October 2007 and before 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 EasyBiz@home Business Insurance Product Disclosure Statement and Policy Booklet for new business and renewal policies with a start date on or after May 2008 and before 1 December 2018.
RACV EasyBiz@home Business Insurance supplementary Product Disclosure Statement (Supplementary PDS) Edition 1.5 will apply to policies with a commencement date or with renewal effective date on or after 28 December 2015 and before 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 Information and Communication Technology liability policy
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 Insurance
RACV 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.