Home Business Insurance costs


If you’ve decided to start running a business from home, whether as your primary income or more of a side hustle – congrats! A home business can be very rewarding, in a lot of ways.
Of course, starting a business requires a lot of admin. This may include finding a suitable insurance policy.

Doing a bit of groundwork and figuring out exactly what you need, and how much you need to pay, can help you start doing business with confidence.

Do I need Business Insurance separate from my Home Insurance?

Not necessarily!

AAMI offers Business At Home Insurance, which combines Home and Contents Insurance with Business Insurance. This means you can cover your home, its contents or both, as well as get cover for your business needs, in one convenient policy.

Learn more about Business At Home Insurance

How much does home business insurance cost?

There’s no one-size-fits-all home business insurance policy. Every business is going to have its own coverage requirements and considerations, and the policy you take out should reflect yours. For example:

  • Do you have specialised equipment you need to insure in case of loss or damage?
  • What about a vehicle you use for making deliveries?
  • Do you keep cash at home as part of your business activities?
  • Do you keep, make or sell consumables, like baked goods or other foods?

Each of these considerations – and many more – can be addressed by a particular cover. Conversely, any type of cover that you don’t need can simply be omitted when you get your business insurance quote.

An AAMI Business At Home Insurance policy premium will also be determined by the home insurance aspects, like the size and location of your home.

Given the variability and flexibility of business insurance policies, it’s impossible to offer a single dollar figure that represents how much your business insurance will cost, before you get a quote.

But don’t worry, it’s pretty easy to get an estimate before you buy.

How do I estimate how much AAMI Business At Home insurance will cost me?

If you want to know how much a policy will set you back, you can get a quote quickly and easily.

An AAMI business consultant can discuss the various coverage types available and put a quote together. Once you have your quote, there’s no obligation to buy a policy, but at least you’ll know what you’re dealing with.

You can get your quote by calling 13 22 44, or requesting a call back.

Request a call back

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Insurance is issued by AAI Limited ABN 48 005 297 807 trading as AAMI (Home and Contents Insurance policies) and AAMI Business Insurance (Business Insurance policies). Read the relevant Product Disclosure Statement before buying this insurance. The Target Market Determination is also available. 
This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.