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Home-Based Businesses

HomeBiz Insurance provides a one stop-shop property solution for clients that operate a business from the home they live in. While public liability is readily available in the insurance market, many domestic insurers will not provide cover for the home and contents once a person earns an income from home as their home is both their primary residence and their business premises.

HomeBiz Insurance also offers cover for Business Interruption because eg if the home burns down, the client not only loses their residence, they may also lose their homebiz income at least until the home is repaired or replaced or they can find an alternative premises.

The HomeBiz Insurance policy provides cover for:

  1. Home Building Insurance
  2. Home Contents Insurance
  3. Business Stock and/or Merchandise
  4. Business Equipment
  5. Business Interruption
  6. Domestic Legal Liability


Target Markets
  • Stand Alone Home Based Childcare
    • Additional cover available: public liability insurance tailored for the childcare business
  • Guest Accommodation
    • Additional cover included:
    • Legal liability extends to cover if the paying guest is injured and the host is held legally liable
    • Theft by the paying guest
    • Identity theft if the paying guest steals personal documents for the purpose of assuming the hosts identity
  • Landlords with tenants operating a homebiz
  • Most homebiz operations


Underwriting Security

Certain underwriters at Lloyd’s.


Claims Management

All claims are managed locally through award winning claims managers Gallagher Bassett.

For more information contact us today:
T: (02) 9357 1798
E: [email protected]


HomeBiz Insurance