QBE offers broad business insurance options and has a global presence as a green insurer.
Choose from diverse industry specific packages, including public liability up to $50 million.
QBE has an efficient claims process, but recent customer feedback indicates mixed experiences.
Our Verdict
QBE is a good option if you care about the environment and the future.
Flexible payment options: Monthly premium instalments are available at no additional cost.
Genuine flexibility: Tailor your policy to suit the exact needs of your business by adding optional add-ons like management liability or glass breakage cover.
Broad protection with a wide range of different cover types including public liability, professional indemnity, property insurance, and business interruption.
Multiple policy types to suit a range of businesses, including online and home-based businesses.
Comprehensive cover
QBE business insurance is provided through an extensive range of commercial insurance products designed to protect businesses of all sizes and industries. QBE provides insurance cover for:
Property – Protects the contents of your business premises against loss or damage from events like fire, theft, storm, flood and vandalism.
Business interruption – Compensates you for lost profits if your business is unable to operate as a result of an insured event, and covers ongoing expenses.
Public and products liability – Cover for any legal costs and compensations payments if third parties suffer loss or injury caused by your business activities or products.
Professional indemnity – Protects you against claims of financial loss resulting from negligent advice or work.
Management liability – Provides cover for private companies against risks related to management and employment practices, such as workplace disputes, legal defence costs and penalty fines.
General property – Covers you against loss, theft or damage of general business property whether it's at your workplace, your home or in transit.
Glass breakage – Covers accidental breakage of glass on your premises, including windows, signs and display items.
Tax audit – Covers accounting costs if your business is audited by the ATO.
Machinery breakdown – Provides cover for loss or damage to business machinery caused by mechanical or electrical breakdown.
Employee dishonesty – Protects against loss to your business as a result of fraudulent or dishonest actions of employees.
Electronic equipment breakdown – Covers loss or damage to electronic equipment caused by accidental breakdown or damage.
Deterioration of stock – Covers losses you suffer if stock stored in refrigerators or cold rooms deteriorates because of temperature changes.
Transit – Covers loss or damage to goods while in transit from your business to your customer.
Commercial motor – Provides cover for vehicles used in the operation of your business.
Workers' compensation – Covers employees who suffer injury or illness as a result of their work. Workers' comp is a legal requirement for businesses with employees in all Australian states and territories.
Who is QBE insurance best for?
QBE Insurance is one of Australia's leading general insurers and offers cover for both small businesses and large enterprises. It has customised insurance products for businesses across a wide range of industry sectors, including retail, agriculture, construction, professional services, hospitality, manufacturing and more.
If you operate a small business, you can use the QBE Small Business Insurance Centre to get covered online, without needing to go through a broker. But if you have a large or complex business, you can speak to a QBE-appointed broker to arrange the right type of cover.
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What is QBE's small business package?
QBE's Small Business Insurance is a package policy designed for businesses with fewer than 10 employees and a turnover of less than $2 million. Eligible businesses can apply for cover online.
The Small Business Insurance package can be taken out by businesses in the following industry sectors:
Retail
Wholesale/Distribution
Office/Professional Services
Trades & Services
The policy covers:
Public and products liability
Business property
Business interruption
Money
General property (portable items)
Glass
Tax audit
Employee dishonesty
Eligible businesses can also add the following optional cover to their small business insurance package:
Management liability
Machinery breakdown
Electronic equipment breakdown
Deterioration of stock
Statutory liability
QBE business insurance for tech companies
QBE has an insurance product specifically tailored to protect businesses in the ICT sector. The QBE ICT product is designed for businesses that work in:
Web and mobile app development
IT consulting
IT hardware and software sales
Telecommunications
This policy combines professional indemnity insurance and business liability insurance in the one policy. The policy is designed to protect businesses against risks they face every day, including:
Professional negligence
Errors in code
IT failures
Failure of hardware products
IP infringement
Third party loss of data
QBE business insurance for home-based businesses
If you operate a business from home, QBE can provide the insurance protection you need. The QBE Small Business Package can be taken out by home-based businesses in the retail, wholesale, trades and professional services sectors. If you run a home-based business in one of these sectors and have fewer than 10 staff and a turnover of less than $2 million, you can apply for QBE Small Business Insurance online.
QBE business insurance discounts
Businesses with a good claims history may be eligible for a discount on their QBE Business Insurance premiums. The discount amount varies depending on your business type and the cover you choose.
How to get a quote for QBE business insurance
You can get a quote for QBE business insurance in a few simple steps:
Click "Get Quote" from the QBE Small Business Insurance Centre
Enter details about your business, including the industry sector, number of employees, annual turnover and address
Select the types of cover you need
Receive an instant online quote
If your business is too large or complex to be covered under the Small Business Package, a QBE broker can provide you with a customised quote.
Why do I need to speak to a broker to get a quote? finder.com.au works with a qualified broker to get quotes for QBE Business Insurance. A broker can take you through the application process and help you with any back and forth with an insurer if you need to make a claim.
FAQs
No, QBE does not charge an additional fee or interest if you choose to pay your small business insurance premium via monthly instalments. This allows businesses to manage their cash flow without the typical premium funding surcharges found at other insurers.
Yes, QBE provides insurance solutions for home-based businesses through their small business package policies. These policies can be tailored to protect home office equipment and include public liability to cover business-related visitors to your premises.
Yes, QBE provides a dedicated Information and Communication Technology (ICT) policy that combines professional indemnity and business liability. This specialized product is designed to protect against risks unique to the IT sector such as professional negligence, errors in code or failure of hardware products.
QBE reviews and processes claims as efficiently as possible, offering 24/7 online claims lodging to speed up assessment. For critical emergencies or to minimize immediate trading downtime, it is recommended to lodge your claim directly over the phone so a dedicated claims officer can begin processing your request immediately.
Yes, you can add 'Portable Items' cover to your QBE policy to protect business equipment like laptops, mobile phones and trade tools while you are off-site. This optional cover protects specified items against loss or damage anywhere in Australia.
QBE's automated direct online small business policy is custom-built for operations that typically employ fewer than 10 staff members and maintain an annual turnover under $2 million. However, these parameters are not a universal limit; eligibility varies strictly depending on your specific industry sector, occupation class, and the type of cover you choose. If your business exceeds these general baselines, a broker can easily arrange a comprehensive QBE Business Pack on your behalf.
Alex Reid is Finder’s business insurance cadet. He has a Master of Marketing from the University of Technology Sydney, with a background in business and sales. When not writing about business insurance for Finder he's a keen scuba diver, recently completed his 200th hour underwater and his PADI Divemaster certification. Before working at Finder he lived in Hangzhou China, where he studied Mandarin and Chinese culture.
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Liability insurance is a broad term that describes a few types of business insurance cover. The type you need will depend on the nature of your business.
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