Business Overheads insurance

With Business Overheads insurance in place, you’re free to focus on recovering from illness or injury knowing your day-to-day business expenses are covered.

Why BT Business Overheads insurance

Business Overheads insurance helps protect your livelihood by giving your business the cash flow it needs to cover day-to-day expenses, so you can focus on your recovery.

  • Can be used to pay business expenses like rent, utility bills or insurance premiums

  • Provides monthly payments for up to one year

  • Can be combined with income protection for a greater level of cover

Features and benefits

Insurance that changes with your needs

You have the option to change your level of cover so your policy continues to suit your needs no matter what life stage you're at.

Cover your costs

You can use the monthly benefit to pay allowable business expenses such as rent and utilities.

Claiming made easier

Enjoy the benefit of a dedicated claims manager to make the claims experience as easy as possible.

Product upgrades

All new product upgrades that don't result in an increase in premiums are automatically applied to your existing policy so you continue to hold the most up-to-date BT Protection Plans product available.

Low-cost fees

Around $1.20 a day provides Business Overheads insurance of $3,000 per month, and the premium may be tax deductible1.

1Based on rates for BT Protection Plans current as of June 2016. Cost based on Business Overheads insurance for a 45 year old, non-smoking male accountant, living in NSW, with a 30 day waiting period, 1 year benefit, paying a stepped annual premium.

Documents and downloads

Contact a BT Wealth Consultant to discuss Business Overheads insurance

The Issuer is Westpac Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728 (WLIS), except for Term Life as Superannuation and Income Protection as Superannuation which are issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) as trustee of the Retirement Wrap ABN 39 827 542 991. WLIS and BTFM are wholly owned subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The Bank does not guarantee the insurance.  This information does not take into account your personal circumstances. Terms and conditions, and limitations and exclusions apply. Please read the Product Disclosure Statement to see if this insurance is right for you.

© Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714