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 Assured insurance

BT Business Overheads Assured 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.

Contact a BT Wealth Consultant to discuss Business Overheads insurance

A target market determination has been made for Protection Plans products. Please visit for any of our target market determinations.

The Insurer and Issuer is Westpac Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728, except for Term Life as Superannuation, Income Protection as Superannuation and Income Protection Assured as Superannuation, issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 as Trustee of Retirement Wrap ABN 39 827 542 991. They are subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714, who 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