Business Expenses Insurance
Business Expenses Insurance
Business Expenses Insurance helps self-employed people and small business owners keep their business running if they're unable to work due to illness or injury. It covers ongoing business costs like rent, staff wages, utilities, and loan repayments - separate from your personal income protection.
Who Needs Business Expenses Insurance?
- Self-employed sole traders
- Small business owners
- Medical and dental practitioners
- Professional services (accountants, lawyers)
- Anyone with ongoing business overheads
- Businesses reliant on owner's expertise
Key Details
- Waiting Period
- 14, 30, or 60 days (your choice)
- Benefit Period
- 12 months (standard)
- Expiry Age
- 65 years old
- Tax Deductible
- Yes — Premiums are tax deductible
Contact us for an indicative quote
What Business Expenses Insurance Covers
Covers ongoing business expenses (rent, wages, utilities)
Separate from personal income protection
Keeps your business operational during recovery
Tax deductible premiums
Covers up to $100,000/month in expenses
Usually 12-month benefit period
Helps retain staff and clients
Common Exclusions
Most business expenses insurance policies will not cover:
Pre-existing conditions within specified period
Normal business fluctuations
Expenses incurred after claim ends
Intentional self-inflicted injuries
Expenses not proven with receipts
Compare with Other Insurance Types
See how business expenses insurance compares to other types of coverage
Life Insurance
A lump sum payment to your loved ones when you pass away.
From: $20.83/month
Tax deductible: No
Learn More
Total and Permanent Disability Insurance
A lump sum if you can never work again due to illness or injury.
From: $32.50/month
Tax deductible: No
Learn More
Trauma Insurance
A lump sum if diagnosed with a serious illness like cancer or heart attack.
Get an indicative quote
Tax deductible: No
Learn More
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