Business Insurance

Run your small-to-medium business with confidence

Getting you back to business when you need it most.

You’ve worked hard to build your business. At Zurich, we can help you to protect your livelihood, by getting you back to business quickly when unforeseen events occur. We provide insurance cover for hundreds of occupations, from property owners and owner drivers to hairdressers, trades, retailers and office-based professionals.

Every business has different needs. That’s why our Business Pack offers you the flexibility to choose the cover options that are most important to you:


  • Property damage to building, contents and stock
  • Theft of contents and stock
  • Flood cover
  • Glass damage
  • Business interruption
  • Public and product liability


  • Stolen money
  • Portable property (Australia-wide)
  • Engineering plant damage
  • Computer and electronic equipment breakdown
  • Employee fraud
  • Business travel
  • Commercial vehicles

How to apply

Zurich Insurance is available through independent insurance brokers who can assist you to obtain the right cover for your needs.

You can find a broker with the free needabroker service or call NIBA* on 1300 53 10 73  

*NIBA is the peak body for professional insurance brokers in Australia.

Case studies

Sanita owns a pharmacy. One morning she discovers the fridge displaying her probiotic treatments has broken down, creating a puddle of water on the floor. As she goes to retrieve the mop a customer enters the shop. The customer slips in the water and hits the floor, cutting his head. While Sanita's immediate concern was for her customer, once he was taken away in an ambulance it was then she breathed a sigh of relief. Her Business Insurance includes Machinery cover, which covered the cost to repair her fridge as well as replace the now spoiled probiotics. And thankfully because she also has Liability cover, her customer's medical expenses were covered.

Alan is a plumber working at a customer's house. He is digging holes along the boundary of the property and he doesn't realise he has significantly weakened the soil holding the neighbour's fence in place. When he arrives the next morning to continue his work, he finds the fence has completely fallen down overnight, collapsing onto the neighbour's car and significantly damaging it. While both the neighbour and his customer are very annoyed with Alan, his Liability cover means he can cover the cost of damage caused.

Delia owns three commercial units in a business park that she rents out. During a week of torrential rain, the business park is flooded. Fortunately, Delia's Business Insurance included standard flood cover, helping her pay for the repairs required to make the offices habitable again.  And while these repairs were being made, Delia's additional Business Interruption cover replaced her lost rental income while the offices were unlettable.


When it comes to claims, Zurich delivers

Fast claims settlements

If you ever have to make a claim, you’ll deal with real people who will support you and keep you informed through every step of the process. Getting you up-and-running as quickly as possible is our priority.

But don’t just take our word for it. Zurich’s customer claims team has been recognized for its excellent customer service, with credentials including:

  • An average 4.5 stars out of 5 claims rating (
  • Winner of the 2021 and 2022 Mansfield Claims Award for Corporate Property and Casualty 
  • Australian General Insurer Claims Team of the Year (2019 Insurance Business Awards)
Priority Settlement Service for Property

We aim to pay your eligible small property claims within 24-48 hours. For property claims under $30,000, provide us with all the required information and we’ll pay the funds directly into your bank account.

Lodge a property claim online

Find out more

Priority Repair Service for Motor

Our Priority Repair Service for sedans and light commercial vehicles aims to make it easy to get back to business, fast.   

Lodge a motor claim online

Find out more

Zurich Risk Advisor helps you manage risk

The Zurich Risk Advisor app is a valuable digital tool that supports you with providing risk assessments and risk improvement advice over a range of issues.

You can conduct self-risk assessments on your business without assistance, with reports available for:

  • Property
  • Workers’ Injury Risks
  • Cyber Security
  • Motor Fleet
  • Liability

Most assessments have full and light versions. A full assessment can take 15-20 minutes and provides a more detailed assessment and report. A light assessment can be completed in as little as 5-10 minutes. There are also a range of ‘Risk Snap Shots’ covering a wider range of risk types. Completed reports can be used to help you to identify and reduce your business risk

Search for ‘Zurich Risk Advisor’ on the App Store or Google Play to download your free app today.

Business Insurance works well with…

Motor Insurance

For your sedans, utes, vans and trucks, trailers and mobile plant and equipment, we aim to get you back up and running – fast.

Marine Insurance

Whether by sea, road, rail or air, Zurich can cover you and your goods.