No matter the size of your business, it’s important to look out for your livelihood. Business insurance helps cover your business from unplanned costs when things go wrong.
What is business insurance?
Our products for your business
Business covers explained
Small Business Insurance
Small Business Insurance can be tailored to cover your business for loss or damage and liability.
Why it matters
Sometimes there are things you can’t plan for. Small Business Insurance can help you cover or manage any unplanned costs if things go wrong.Small Business Insurance can be tailored to cover your business for loss or damage and liability.
Public Liability Insurance
Public and Products Liability Insurance covers your business if someone gets hurt or their property is damaged while you’re working. This includes when they use your products or services.
Why it matters
If you work with customers, accidents can happen. You might have to cover legal costs even when it’s not your fault. If you're a sole trader or contractor, you’ll often need proof of cover before you start work at a new site or job.
Workers’ Compensation
Workers' Compensation Insurance covers your business for financial costs you may be liable for when a worker has a work-related injury or illness.2
Why it matters
Workers’ Compensation is mandatory in Australia and helps you and your employees manage costs related to workplace injuries.
Strata Insurance
Strata Insurance is cover designed for apartments, townhouses, offices, shopping centres, and other buildings owned under a strata title.
Why it matters
Are you responsible for the building or common property in your Strata as an owner, committee member, Strata Manager, or Broker? A strata policy can help you manage against loss or damage to your building, common area and protect your interests in legal liability claims.
Small Business insurance
Starting with our Small Business Insurance, you can choose your cover to suit your business. Choose to pay monthly or annually at no extra cost.3
Business Insurance Pack
Choose from and combine a range of 12 insurance1 covers to suit your business, including:
Find your industry
Every business is unique. Select your industry to help find the right cover for you.
Don’t see your industry? Call 1300 131 000 to get advice from our team of specialists.
Workers' Compensation
If you have employees, Workers' Compensation Insurance is mandatory in all Australian states and territories. It covers your business for financial costs you may be liable for when a worker has a work-related injury or illness.4 We aim to deliver a positive workers' compensation experience, from cover to claims, and everything in between. Workers’ Compensation isn’t part of the Business Insurance Pack.
Where are you based?
Our Workers’ Compensation differs across Australia. Select your location to find out more or get a quote.
Strata Insurance
We’ve partnered with Strata Community Insurance to provide cover for apartments, offices, shopping centres, or any buildings managed by a strata scheme. Strata Insurance isn’t part of the Business Insurance Pack.
Allianz Farm Pack
We no longer offer the purchase of new Farm Pack policies directly to customers. If you have an existing policy, you can call us on 1300 131 000.
If you need farm insurance, our product is available through brokers. You can find a broker through Primacy or by searching Need A Broker.
Looking for more information?
We’ve designed some articles to help you understand more about covers for your business.
Public and products liability insurance vs professional indemnity
You may be held liable if you breach your duty of care to customers. Learn the difference between public and product liability and professional indemnity and how insurance can cover you.
Personal vs commercial vehicle insurance for businesses
Discover the difference between personal and commercial vehicle insurance to help you choose the right types of insurance for your business activities
We care about the health and wellbeing of workers
We’ve designed some articles to help you understand more about covers for your business.
We’re committed to building thriving workplaces. That’s why we actively work with businesses and expert mental health partners to drive positive action on workplace mental health.
Access our research and guides, which include practical tips, insights, and checklists to help you and your employees build mentally health workplaces.
Why choose us?
Claim online 24/7
We’re here when you need to make a claim. See our claims page to make a claim online 24/7 or find the right number to claim over the phone.
Australian-based specialists
Our dedicated team of experts can help you with your cover and claims.
Instant certificate of Currency
Your proof of insurance, Certificate of Currency (COC), will be emailed to you instantly after purchasing your Business Insurance Pack.
Ready to get started?
Frequently asked questions
Every business is different, so there’s no one-size-fits-all standard price when it comes to insurance for your business.
Factors to consider include but are not limited to:
- The nature of your business
- Types and level of cover required
- Business location
- Estimated annual turnover
- The value of the property and assets insured
- Number of employees
You can get your quote online, or call our Small Business Insurance experts on 1300 131 000.
According to the ATO businesses can generally claim a tax deduction for most operating expenses in the financial year they’re incurred. As a general guideline, certain Business Insurance premiums could be tax deductible if the expense directly relates to earning your assessable income.
These may include cover for public liability, fire, theft, commercial vehicle, loss of profits insurance, accident or disability, professional indemnity, or workers' compensation. It’s advised that you seek independent advice for your specific situation as no tax advice is provided by this website.
No matter how much you plan, there’s the possibility of being met with the unexpected. That’s why the right Business Insurance cover is important. Make sure your business and livelihood are appropriately covered, regardless of their size or how established you are.
Depending on the type of business, and where you operate, you may also be legally or contractually required to have certain business insurance coverage. Make sure you know your obligations to help determine what insurance your business may need.
All documents are sent to the email address you provide us unless you’ve requested they be mailed to you. If you can’t find your documents, you can also give our Australian-based Business Insurance experts a call on 1300 131 000.
If you’re an existing Small Business Insurance customer, you can request a copy of your Certificate of Currency online.
If you’re an existing Workers’ Compensation customer, you can call 1300 130 664.
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*Conditions apply
- Range of covers
Acceptance criteria apply to each cover based on the characteristics of your business and the risks you’re looking to insure. - Workers’ Compensation
Entitlements are defined by state and territory legislation and vary based on the circumstances of individual claims. Financial limits apply over the life of the claim. - Pay by the month (Payment instalments)
Premiums payable by instalments may be subject to minor adjustments (upwards and downwards) due to rounding and financial institution transaction fees may apply. - Public Liability
Public liability is automatically included when you get a quote online and is subject to the selected limit of indemnity.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.
Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.