Browse cover options by sector, including trades, hospitality, and retail.
Mix and match policies to get the best combination of cover for your needs.
Buy online to save up to 10%, and pay monthly at no extra cost.
Cons
NRMA business insurance doesn't include any cover for cyber attacks or data breaches.
Farm insurance and motor trade insurance is not available in the NT.
What can NRMA business insurance cover?
Public liability - Covers you if it's shown your negligence led to someone being injured or having their property damaged.
Professional indemnity - Covers businesses that give advice or a professional service. It covers your civil liability if you provide advice or a service that causes loss or damage to clients.
Farm insurance - Specifically designed for hobby or working farms, cover can include your home, farm buildings and contents, fencing, farm equipment, vehicles and more.
Motor trade insurance - Specifically designed for motor trades, including mechanics, vehicle detailer and auto electricians.
Commercial motor insurance - Helps protect vehicles you use for business, including accidental damage, fire, theft, and damage to other vehicles or property.
There are also optional extras that can be added to NRMA insurance policies, including:
Property - Covers buildings, contents or stock if damaged. For example, due to a fire or storm.
Portable property - Covers property like tools or devices while they're away from your business.
Glass - For accidental breakages of your shopfront windows, glass shelving or display cabinets.
Theft - Covers insured property from loss or damage due to theft.
Business interruption - Covers lost income if your business can't operate due to a specific covered event or circumstances.
Machinery breakdown - Cover for sudden or unforeseen breakdown of your specified business machinery.
Electronic equipment - Covers computer systems or electronic equipment in the event of sudden breakdown or damage from specified events.
Personal accident and illness - Provides a weekly benefit if you can't do your regular work due to a covered injury or illness.
Money - Cover for specified business cash, including loss caused by theft or accidental damage.
Tax investigation - Covers professional costs if you're investigated or audited by the ATO or a government revenue office.
Employee dishonesty - Cover for loss of money or goods due to employee fraud or dishonesty.
Who can NRMA business insurance cover?
NRMA business insurance offers cover for over 800 different occupations, including tradies, domestic workers, hospitality businesses, retailers, a wide range of professional services, health and medical professions, motor trades, and farms.
You can search for your occupation while requesting a quote online.
NRMA business insurance claims process
To start your NRMA business insurance claim, you should call 132 818. You'll need your NRMA business insurance policy number, the address of the insured property if applicable, a list of stolen or damaged items if applicable, and a policy incident report number if a crime took place.
How do I cancel my NRMA business insurance policy?
You can cancel your NRMA business insurance policy at any time by notifying NRMA in writing. NRMA will refund the premium for the unexpired period of insurance.
FAQs
NRMA has fewer complaints lodged with AFCA than many other insurers of its size, and customer reviews are generally favourable.
You can contact NRMA to discuss business insurance on 132 818.
The most effective way to find a good deal on business insurance is to compare different providers, paying close attention to price and benefits.
The best insurance for small business will depend on the type of business and its specific needs.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio
Nicola's expertise
Nicola has written 243 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
If you run a business from home you need to make sure your business is properly insured. Read our guide to this specific type of business insurance and learn how to cover your home business.
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