Business Expense Policy

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Business expense insurance allows you to insure up to 100% of allowable business expenses which your business would incur if you were temporarily unable to work. These fixed costs may include: rent, electricity, staff wages, leases & loans, telephone and accountancy fees etc.


Commonly, this will be taken our by self-employed or small business operators so as to ensure that they have a business to return to, or can continue so as to be sold if they are off work for an extended period.


Business Expense benefits typically include:

  • Peace of mind that your business can continue if you’re disabled
  • 100% maximum monthly benefit
  • 1 year benefit period
  • Waiting periods of 14 days or 1 month
  • Tax deductible in certain circumstances



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