Insurance for Side Hustles – What You Might Be Missing

• Adroit Insurance and Risk
• - December 11, 2025

---

Australia’s side hustle economy is booming. Whether it’s Airbnb, dog walking, freelance design or selling handmade goods online, more Australians than ever are earning a side income.

Side hustles that earn income are not automatically covered by your Home, Car or Landlord insurance policies.

Insuring your Side-hustle

If you run a business from home, garage, car or investment property, you might want to consider insurance to cover injury to people or their property or event theft or storm damage to your stock and contents.

A business insurance pack will generally offer the following types of insurance, you can pick and choose the amount and type of cover that suits your needs:

•  Fire, storm, lightening damage to buildings, stock and contents;

• Burglary/ theft;

• Public & Products liability insurance (legal defence costs and court awarded damages);

• Business interruption insurance;

• General Property, taken outside the business.

Digital Side-hustle?

You may want to consider IT and cyber liability insurance, these are package which enable you to pick and choose the type and amount and type of cover that suits your needs:

• Incident response – specialists to identify the cyber incident and undertake repairs;

• Lost income and additional costs related to the incident;

• intellectual property, copyright and defamation types of disputes;

• professional indemnity issues, where a client alleges they followed your advice or installed a program that caused them a financial loss;

• Public & Product liability (legal defence costs and court awarded damages);

• Cyber liability (legal defence costs and court awarded damages);

If you’ve got a side hustle, even a small one, speak with your Risk Adviser, they’ll be able to provide options to meet your budget and needs, as well as financial security to enable you to concentrate on growing your business.