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Small Business Risks Explained

Theft, fire or accidental damage, there are many possible risks that a small business faces on a daily basis.

Allianz cares about Australian small businesses and understands everyday risks they may face. To help make things manageable, we provide a range of insurance covers to help small business owners deal with the typical risks associated to their specific industries or trades.

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Understanding Small Business Insurance Risks.

Small Business Insurance cover from Allianz is specifically designed to deal with the typical risks that small business face.

This means that in the event of such a situation, Allianz will be there to minimise impacts on day-to-day business operations and help out financially.

Find out more about small business risks and how Allianz can help by clicking on a link below:

  • Public & Products Liability
  • Business operation can put people and property at risk of injury or damage. As a small business owner, accountability for such events can land you in hot water - that's where public and products liability can help.
  • Material Damage
  • Damage to property can be devastating. This insurance can help to replace the contents if your building and property is destroyed in unforeseen circumstances such as fire.
  • Business Interruption
  • This cover provides financial protection for the consequential loss of revenue resulting from interruption to business operation after unforeseen circumstances.
  • Theft
  • Theft of business contents and/or stock can negatively affect your customer service, the day-to-day running of your business and finances. Insurance can reduce the impacts of business-related theft.
  • Glass
  • A shattered glass shop front or office window is not only dangerous but leaves your space and contents exposed. This covers accidental breakage of fixed glass including replacement and/or temporary security to protect the premises.
  • Money
  • Covers for loss of money, which includes cheques, credit cards, vouchers, and cab charges.

More information


Public Liability Insurance

Public Liability Insurance - Helps you out if you or your business is held accountable for third party injury or property damage.

Helps you out if you or your business is held accountable for third party injury or property damage.

Public liability insurance »

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Product Disclosure Statement

View the Product Disclosure Statements.

For terms, conditions and exclusions of our insurance, please refer to the Product Disclosure Statement (PDS).

We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs.

Policy terms, conditions, limits and exclusions apply. Before making a decision please consider the Product Disclosure Statement. View PDS update (privacy notice).

^Subject to eligibility criteria.
#Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of printing and are subject to change without notice