Business Insurance

Q: What kind of business insurance might I need?

There are many types of business insurance, including: Professional Indemnity insurance Public Liability insurance Workers’ Compensation insurance Product Liability insurance Personal Accident and Illness insurance Business & Office Pack Cyber Liability insurance Management Liability insurance

Provide us with your details and one of our insurance experts will contact you to discuss your requirements

Sav

Thank you so much to Shane and his team for literally saving me from collapse. Within 1 week they have managed to get me the funding I needed with the best rate out there. Would recommend this team to anyone. There professionalism, speed and delivery is 2 thumbs up. Thank you Team Scoop

Sep 16, 2025

Rav

I was struggling to obtain finance for a vehicle, for my company, through the car dealership. I spoke with Adrian at Swoop who took care of it all. He was professional, approachable, easily accessible and liaised directly with the car dealership (who weren't particularly forward leaning!). Thank you to Adrian and Nichola for all your help 🙂

Sep 6, 2025

Elizabeth Parkinson

Very quick response time from Adrian Barratt who I dealt with

Sep 4, 2025

Victor Meus

The Swoop system was simple and straightforward to use. I submitted my application and had a loan approved within a week. Overall, a smooth experience—I would recommend it to anyone looking for a quick and easy loan.

Sep 1, 2025

Lisa Mary

Excellent service today. Thank you to driver 318, Rich, for making me feel calm and relaxed, and also to the Brazilian driver. Both very pleasant and approachable. I would deffo recommend Swoop

Aug 28, 2025

Iulia Popescu

James has been absolutely fantastic throughout the entire funding process. He guided us with clear, straightforward advice and was always quick to respond to any questions we had. Thanks to his support, we were able to secure the funds we needed swiftly and without any unnecessary complications. His professionalism, efficiency, and deep understanding of the funding landscape made what could have been a stressful experience feel smooth and manageable. I would highly recommend Swoop—and especially James—to any business looking for reliable, expert support in securing finance.

Aug 5, 2025

Mr B

Simple- Helpful - Accurate

Aug 5, 2025

Jodie Marshall

At a time when I needed some extra funding for my business, I went to SWOOP. They were absolutely amazing. My business is a social enterprise, we so have a not for profit clause which often means mainstream lenders don't like to lend. But these guys found me a company willing to lend at an amazing rate and with amazing terms (better than any social investor I've come across). I gave them what I thought was an impossible task on the off chance, and they delivered! So impressed with their professionalism, friendliness and super quick turn around! Thank you SWOOP!

Aug 5, 2025

Neil Jones

Just when you need that additional business boost, Swoop have you covered. Fantastic turnaround from Adrian and team. They kept me fully informed from start to finish, and with a follow up to make sure everything went well and all is good. Fantastic, highly recommended.

Aug 4, 2025

susan allan

had an amazing experience with BEN nicest taxi driver ever . helped us with a stressful end to the night and couldn’t thank him enough staying with us until we were all safe . if anyone needs a taxi i would recommend ben with swoop .

Aug 3, 2025

Most business owners don’t realise they can be liable for a whole range of accidents and issues, even if they seem unfair. With tailored insurance you can build a level of cover to protect against the specific risks your business faces.

Why might I need to think about Business Insurance?

Protect against risk

Your business, like all others, faces a level of risk as part of your daily operations. Business insurance is available to help protect your business against the impact of unexpected events or possible claims.

Legal or industry requirement

Does your business employ staff? Is your industry subject to specific regulations? Every business is different and certain types of insurance – like employers’ liability insurance – may be legally required based on your business’s profile. Understand the specific requirements and demands connected to your business to ensure you have the relevant cover in place.

Specialised cover

Some industries or activities may require specific or specialist insurance policies. Make sure you buy the right products to reflect the risks and requirements of your business.

Change in business circumstance

As your business evolves – growing and taking on new staff for example – your business profile, operations and requirements may change. Make sure your business continues to be protected against unexpected events and potential compensation claims.

What types of insurance are available?

Business & Office Pack Insurance*

An insurance package designed to provide coverage options for your business & office contents, stock, tools, business interruption and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage).

Professional Indemnity Insurance*

Professional Indemnity protects you against losses claimed by a third party due to alleged or actual negligence or errors in your professional services or advice. Your Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).

Cyber Liability Insurance*

Cyber Liability insurance helps to protect you from third party claims and also to support your profitability in the event of a cyber breach or attack.

Personal Accident and Illness Insurance*

Personal Accident and Illness insurance can provide levels of cover for loss of income if you are unable to work, suffer permanent disablement and even death as a result of an unexpected injury or illness (even if it occurs outside of your employment). *

Management Liability Insurance*

Management Liability insurance is designed to provide protection to both the business and its directors and officers for claims of wrongful acts in the management of the business.

Tax Audit Insurance*

Management Liability insurance is designed to provide protection to both the business and its directors and officers for claims of wrongful acts in the management of the business.

What is business insurance and why do I need to consider it?

Business insurance – sometimes called commercial insurance – is designed to protect your business when things take an unexpected turn. More specifically, it protects you from financial losses that you might suffer during your day-to-day business activities. This could include, for example, loss of or damage to your business assets due to a fire, or someone taking legal action against your company.

What kind of business insurance might I need?

There are many types of business insurance, including:

What kind of business insurance might I need?

Yes, you can choose different insurance policies through different insurers. BizCover, our Business Insurance partner, provides a contestable platform – this means you can pick and choose from multiple different products from multiple insurers, depending on what best suits your business. The best part is that sales, service and renewals are all handled in-house, and they even help progress claims with the insurer, meaning there is only one number if you ever need to get in contact about your policies.

How much cover do I need – and how much will business insurance cost?

There is no one answer to these questions, as every business is unique. However, there are factors you can take into consideration to help you decide how much cover you may need and how much you can expect to pay.

The amount of coverage you need and your premiums (the price you pay for your insurance) may depend on factors such as:

Your industry
The size of your business
Where your business is located
Limits set by your professional body or business contracts
Your claims history

When buying business insurance, answer all questions accurately and choose an appropriate level of cover to ensure that you are protected when you need to make a claim.

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this website is general only and should not be relied upon as advice.