Business insurance · Australia
BizCover (AU)
Online business insurance quotes from 13 insurers, covering over 800 trade occupations
Market position
BizCover is an online business insurance platform run by BizCover Pty Limited (AFSL 501769), founded in 2008, that lets small businesses compare and buy cover from a panel of 13 insurers including AIG, Chubb, QBE, Vero and Zurich. BizCover says it has insured over 300,000 Australian small businesses and covers over 800 trade occupations. It acts as the insurers' agent under binder agreements and gives general advice only, so it does not advise on your personal circumstances as a broker would.
Australia-specific note
For tradies BizCover offers public liability at $5M or $20M limits, personal accident and illness, portable equipment, professional indemnity and statutory liability, with policy documents emailed on purchase. It says business insurance for tradies costs $87.50 a month on average, and it adds its own fee of $20 to $200 plus GST per policy.
Pros
- + Compare quotes from 13 insurers in one online form
- + Covers over 800 trade occupations, with $5M or $20M public liability limits
- + Cover in minutes, with policy documents emailed straight away
- + Pay monthly or annually
Cons
- − BizCover acts for the insurer, not for you, and gives general advice only
- − BizCover fee of $20 to $200 plus GST per policy, on top of the premium
- − Paying monthly adds $8 plus GST a month, and card fees apply
- − Commission is kept by BizCover even if the policy is cancelled
Typical Australia pricing
Premium quoted per business; BizCover says tradie business insurance averages $87.50/month. Plus a BizCover fee of $20-$200 + GST per policy, and $8 + GST/month if paying by instalments
Why this matters for Australia trades
Trade licensing is run by the states: Building Commission NSW issues NSW building and trade licences, QBCC licenses Queensland builders, plumbers and drainers (electrical work is licensed separately by the Electrical Safety Office), Victoria’s Building and Plumbing Commission registers and licenses plumbers, Building and Energy registers WA builders and licenses electricians, plumbers and gas fitters, and CBS licenses South Australian building and PGE contractors. Automatic Mutual Recognition lets licence holders from participating states work in NSW and, depending on the occupation, in WA, usually after notifying; Queensland does not take part. Employers report pay and super to the ATO through STP-enabled payroll software each payday, and from 1 July 2026 must pay the 12% super guarantee when they pay wages.
Australian trades vendor selection is shaped by state-based licensing, Single Touch Payroll (STP) reporting to the ATO, super guarantee payments (due with each pay run under Payday Super from 1 July 2026), GST registration once turnover reaches $75,000 (per business.gov.au), and local lead services such as hipages, Localsearch and Yellow Pages.
Frequently asked
Is BizCover (AU) a good fit for Australia trades?
BizCover is an online business insurance platform run by BizCover Pty Limited (AFSL 501769), founded in 2008, that lets small businesses compare and buy cover from a panel of 13 insurers including AIG, Chubb, QBE, Vero and Zurich. BizCover says it has insured over 300,000 Australian small businesses and covers over 800 trade occupations. It acts as the insurers' agent under binder agreements and gives general advice only, so it does not advise on your personal circumstances as a broker would. For tradies BizCover offers public liability at $5M or $20M limits, personal accident and illness, portable equipment, professional indemnity and statutory liability, with policy documents emailed on purchase. It says business insurance for tradies costs $87.50 a month on average, and it adds its own fee of $20 to $200 plus GST per policy.
What does BizCover (AU) cost in Australia?
Premium quoted per business; BizCover says tradie business insurance averages $87.50/month. Plus a BizCover fee of $20-$200 + GST per policy, and $8 + GST/month if paying by instalments. Pricing and availability can change by region; confirm current Australia pricing on the vendor's site before committing.