Online Business Insurance

Compare online business insurance quotes here with Savvy to help you find the best policy. 

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, updated on August 1st, 2023       

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We’ve partnered with BizCover to bring you a range of business insurance policies to help you compare them side by side.

All businesses need insurance to offer protection just in case things go wrong, and online businesses are no different from bricks and mortar ones. These days, it’s possible to access a range of business insurance quotes online without ever having to leave your home or office. Whether it’s public or product liability, building or contents insurance you need, you can get multiple quotes from leading insurers in minutes with Savvy. 

With us, you can compare a range of offers online just by answering a few simple questions about your business and will be able to buy the cover you need for your business right away. Start the quote process with us today. 

How do I get a business insurance quote online?

Whether it’s public liability insurance or contents cover you’re after, getting an online insurance quote through Savvy is a simple process and takes just minutes to complete. 

All you need to do is answer a few questions about your business and your insurance requirements. From there, you’ll be able to compare a range of business insurance quotes from different insurers side-by-side to help you find one that’s a perfect match for your needs.  

Simply choose your preferred insurer from the options on offer, and you can buy your policy and get your business protected today.

How do I compare business insurance policies online?

There are several aspects of insurance that you should compare online before deciding which policy is the best fit for your business. Some of the key areas to compare are: 


Cost is an important consideration for any insurance policy, but you shouldn't choose the cheapest policy just to save money. It's more important to choose an insurance policy that provides you with all the cover and protection you need, rather than one that will leave you unprotected just to save a few dollars a year. Nonetheless, it’s important to avoid overpaying for your insurance. 


Take a close look at what’s included in the policy. This will give you a clear idea of what sort of insurance you need and whether it covers you for all the risks you need protection against. For example, if you run a dog-walking business and are looking for insurance, you may feel that having public liability insurance is essential in case one of your cuddly customers bites anyone. If the general business insurance policy you’re looking at doesn’t include public liability, it’s time to get back online and find a different option.  


Just as important as what’s included in your policy is what isn’t. Many business insurance policies exclude glass breakage, for example. Therefore, if you’ve just spent thousands on a new glass front counter for your retail shop, you may feel that having glass breakage cover is essential. If a major concern for your business is excluded from the cover, enquire if it can be included as an add-on, or look for another insurance policy that offers it automatically. 

Maximum payout limits 

It also pays to check what the maximum payout limits are for the type of insurance you’re comparing. For example, if you’re after public liability insurance in the ACT, you may not need $20 million worth of cover for your small business. If you know you only require $5 million, ask for a payout limit reduction (which should reduce the cost of your policy). Don’t spend unnecessary amounts of money paying for insurance you likely won’t need. 

Top tips on how to get the cheapest business insurance online

Bundle your insurance into one package

Having all your insurance in one business owner insurance package can be a cheaper option than having policies from several different insurers in force at one time. In addition, you can eliminate the possibility of policy overlap and the risk of paying for insurance coverage you don’t need. 

Increase your excess

The excess is the amount you pay when you lodge an insurance claim. It can range from $200 up to $800 or more, with higher excess payments resulting in a cheaper cost for your insurance. By increasing your excess, you’ll bring down the overall cost of your policy. 

Avoid claiming when not necessary

Before making an insurance claim, check the terms of your policy and how much your no-claims bonus is (if there is one). It’s important to only claim on your insurance when necessary and avoid small claims which may not be worth negatively affecting your premiums in the future. 

Compare insurance policies often

Comparing insurance policies online with Savvy is quick and easy, and there’s no cost involved. In addition, all enquiries come with no obligation, so it’s a great idea to check out the cost of different insurance policies with Savvy often to make sure you’re still getting the best deal for your business.  

Types of business insurance

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More of your questions about online business insurance

If I get my business insurance online, will I be covered instantly?

Yes – once you pay your first premium, you’ll receive an acknowledgement of your insurance cover and it will start immediately. The cover note you receive will state the date and time your insurance started so there’s no confusion about exactly when you’re covered. 

Is it possible to get all types of insurance online?

Yes – there’s a wide range of insurance types which you can buy online. You’ll be able to compare quotes for a diverse range of policies with us to help you get the best deal for your business. Some of the most common types of insurance include: 

Will I have to visit an office to sign any documents if I buy my insurance online?

No – there’s no need to visit an office or post documents back with a signature. All the required processes are done online, so you can get the insurance you need from the comfort of your own home or office. 

Is buying business insurance over the internet cheaper than through a broker?

It can be – some insurance brokers charge a fee for their service. On top of this, they may also only specialise in one particular area or type of insurance. By comparing your options and buying your policy through Savvy, you can see a range of offers from some of Australia’s most respected insurers free of charge, and pick the cheapest policy, or one that offers the best value. 

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Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.

Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.

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