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Home-Based Businesses

HomeBiz Insurance provides a one stop-shop public and products liability, property and personal accident insurance solution for clients that operate a business from the home they live in.

The HomeBiz Public and Products Liability provides cover for:

  • Choice of limits: $10,000,000 or $20,000,000
  • Worldwide Cover for exports except North America or Canada  - these can be considerd by referral.

The HomeBiz Property Insurance policy replaces the clients Home and/or Contents insurance policy. Very important when domestic insurers may not continue to provide this cover if a business (other than just an office) operates from the home.

In addition the policy covers:

  • Business Stock and/or Merchandise
  • Business Equipment
  • Business Interruption
  • Machinery Breakdown (option)
  • Domestic Legal Liability
  • Individual Personal Accident and Sickness
    Important if they rely on their business income and were unable to work due to an accident and/or sickness.
    • Weekly benefits for temporary disablement due to accident, injury or sickness
    • Lump sum benefits due to death or permanent disability from accidental injury

Please note: The HomeBiz Property and HomeBiz Public & Products Liability policies are separate policies. Depending on the business activity and where the property is located we may be able to offer both Property and/or Public & Products liability cover or just Property cover or just Public & Products liability cover.

Target Markets
  • Cottage Industry – clients who make products to sell or buy products to sell
  • Tuition – clients that teach something at home and/or away from home
  • Service – clients that provide a service eg hairdresser, graphic designer etc
Underwriting Security

Certain underwriters at Lloyd's.


Claims Management

All claims are managed locally through:

  • Public & Products Liability - XL Insurance Company SE, Australian Branch for policies incepted up to and including 31st March 2022
  • Public & Products Liability - Gallagher Bassett for policies incepted on or after 1st April 2022
  • Property - Insurx

For more information contact us today:

If you are a client looking for insurance please contact your insurance broker as we are unable to deal directly with clients. If you don’t have an insurance broker go to www.needabroker.com.au to find a broker in your area.

If you are an insurance broker:
T: (02) 9357 1798 (press line 2)
E: [email protected]


HomeBiz Insurance






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