Guides
Each guide answers one real decision a small business owner faces. If you would rather ask a question directly, .
How to check what business insurance you actually need
I'm a sole trader. Which of these four cover types apply to me, and which are just upsells?
Trades business pack vs public liability: what each section actually covers
My trade insurer quotes a business pack. Is public liability inside it or separate, and do I lose anything if I only buy the pack?
Professional indemnity when your clients are mostly individuals
My clients are consumers, not companies. Do I still need professional indemnity, or is that only for corporate contracts?
Workers compensation rules differ in every state and territory
I employ one part-time person. Who do I actually insure, and why does the answer change depending on which state I'm in?
Tools and equipment cover for a van- or ute-based business
My tools are worth about $25,000 and live in the ute overnight. What do I actually need specified, and what is usually left out?
Hired cars and work vehicles: a separate question from business cover
I hire a ute when mine is down. Is that covered, and is it the same as insuring a vehicle I own?
What cyber insurance covers when you are a five-person business
We keep customer names and payment details in a shared inbox. What would cyber cover pay for, and what would it leave me to pay?
How to read a business insurance PDS before you buy it
There are six documents for one quote. Which parts of the PDS actually decide whether I get paid?
General information, not advice. coverage.chat provides general information about business insurance. We are not an insurer, broker, or financial adviser, and we do not hold an Australian Financial Services Licence. Nothing here is personal advice, a quote, or a recommendation to buy a particular policy. Read the Product Disclosure Statement and speak with a licensed broker before you decide.