Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.
Business Expenses Insurance
Talk to an Adviser about Business Expenses Insurance. They can:
Find the best products for your budget and needs
Provide customised advice and keep your insurance up-to-date
Offer a range of products from different insurers, as they are not Asteron Life employees
97% of claims accepted and $112m paid to customers from 1/7/23 - 31/6/24
What is Business Expenses Insurance?
Business Expenses Insurance can pay your business expenses for up to 12 months to help keep you – and your business – afloat. If you're a small business owner, your business is probably committed to costs that you would need to pay even if you’re not making as much money as usual.
Most people use Business Expenses Insurance for:
- Premises expenses – rent, insurance, rates, security, property repairs and maintenance
- Services – phone, gas, electricity, water, cleaning
- Equipment expenses – leasing or financing costs, registration and insurance of vehicles/equipment, repairs and equipment
Business Expenses Insurance benefits
Optional benefits you can choose to include:
Lump Sum Support when you need it. Receive this benefit if you suffer any of 29 specified injuries (ranging from broken bones to paralysis). The benefit is payable even if you are still able to continue working. Check the policy document for the full list of injuries and payment periods.
Other types of cover
We understand our rural customers have unique insurance requirements. Our Farmers Disability Insurance has been designed to keep the farm functioning until you’re on your feet again.
Unsure?
Talking to an adviser will help you focus on what’s important to you, and it's even more effective with a little preparation.
Use our handy LifeSnap tool to prepare for your conversation with an adviser so you don't have to think on your feet!
Frequently asked questions
What type of business is this for?
This can be ideal for business owners who do all the hard yards and generate all the business income themselves. They will still need to keep their business running while they’re off work with a disability or illness.
Does this cover pay some of the income for the business person insured?
No, not with this cover. The business person would also need to take out their own personal Income Protection Insurance.
How long would any business expenses be paid for?
Eligible business expenses are covered for up to 12 months at a time.
Resources and forms
Already a customer?
Disclaimer: The information provided above is for general information only, it is not financial advice or personalised to your situation. If you would like advice that takes account of your particular situation, please contact your financial adviser. Full details of policy terms and conditions are available from Asteron Life Limited or your financial adviser. Terms, conditions, exclusions and limits apply. If there are differences between the information provided here and the policy document, then the policy document will prevail. Asteron Life Limited and its related companies do not accept any liability in connection with the information provided.
