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
Starting from
$124/month
Age 35, male, $10,000 cover
What Business Expenses Insurance Covers
Common Exclusions
Most business expenses insurance policies will not cover:
Premium Examples
Indicative monthly premiums for business expenses insurance by age and gender. Your actual premium will depend on your health, occupation, and coverage amount.
| Age | Gender | Coverage Amount | Provider | Monthly Premium |
|---|---|---|---|---|
| 35 | male | $10,000 | TAL | $124 |
| 35 | female | $10,000 | TAL | $148 |
| 45 | male | $10,000 | AIA | $198 |
| 45 | female | $10,000 | AIA | $234 |
| 55 | male | $10,000 | Zurich | $348 |
| 55 | female | $10,000 | Zurich | $412 |
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.
Total and Permanent Disability Insurance
A lump sum if you can never work again due to illness or injury.
Trauma Insurance
A lump sum if diagnosed with a serious illness like cancer or heart attack.
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