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General Property Insurance

Cover for your portable tools and equipment
Designed to cover the cost of repairing or replacing your portable tools and equipment you need to run your business
Prefer to speak with a consultant? Call 1300 131 000.

What is General Property Insurance?

General Property Insurance covers you for the cost of repairing or replacing property insured, such as your portable tools or equipment, that is accidentally lost or damaged in any location worldwide (unless otherwise noted). General Property Insurance is available as part of our Business Insurance Pack only, not as a standalone product.

We understand that not having your tools or equipment could result in you not being able to work, which could affect your cash flow, while also leaving you out of pocket. General Property Insurance helps by ensuring accidentally lost or damaged tools or equipment are repaired or replaced as soon as possible, allowing you to continue operating.


Save up to 10%2,3 on your first year's premium when you buy General Property Insurance as part of a new Business Insurance Pack online.

What our General Property Insurance covers

Whether you’ve accidentally damaged a tool or had a piece of equipment stolen via break-in, our General Property Insurance cover can help you get it repaired or replaced.

  • Accidental damage to your portable tools and equipment
  • Covers unspecified property for up to $2,500, including tools of trade, business contents and stock. Property is covered at or away from your business premises.
  • If you want to cover items for more than $2,500, they can be listed on the schedule as specified items. Computer equipment, photographic equipment and mobile phones have to be listed as specified items irrespective of their value.
  • Theft of property in your care

    Theft or attempted theft of property in the care of your business resulting from forcible and violent entry, by armed hold-up, or following assault, violence (or threat of immediate assault or violence) to you, your employees or your customers.
     
WHAT'S NOT COVERED
Need help? Call 1300 131 000
 and speak to our team of Business Insurance specialists.

  • Certain types of accidental damage

    Damage caused by general wear and tear, data processing failure, computer viruses, vermin, mould, mildew or flood. Items damaged from being left in the open air.
  • Theft in the open air

    Theft of property that’s located in the open air, under an open-sided structure, under a carport, on a patio or verandah.
  • Consequential loss

    Any loss of earning capacity, loss of use or other consequential financial losses related to insured damage under the General Property cover. For example, if your revenue is reduced due to damage to an item insured under General Property, you won’t be insured for the loss of revenue under this cover.
  • Certain types of property

    Money, glass, jewellery, sporting equipment, works of art, trailers, caravans, livestock and animals are just a few of the types of property we don’t cover.
  • Motor vehicles

    Any type of cover for motor vehicles including ride on mowers, trailers and caravans.
     
WHAT'S COVERED
Need help? Call 1300 131 000
 and speak to our team of Business Insurance specialists.

This is a limited summary of some of our Business Insurance Pack covers only. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the relevant 
Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) which are available on this website.

Do you need General Property Insurance?

If you have tools or equipment you use to carry out your daily business activities, and would struggle to run your business without them, you may want to consider having General Property Insurance.

Our General Property Insurance offers worldwide coverage for accidental loss or damage to your tools or equipment when away from your business premises, including when they’re at customers’ sites or taken home by your employees.

Why choose us?

Instant Certificate of Currency

Your proof of insurance, Certificate of Currency (COC), will be emailed instantly after purchase

Pay monthly at no extra charge1

You can pay monthly or annually at no extra charge to suit you and your cash flow

Specialist Business experts

Our experts can help you arrange your Business Insurance. Call 1300 131 000 to speak to a Business specialist now

Excellence in claims

Make a claim online 24/7 or find a number for your claims category to lodge a claim over the phone

Ready to get started?

Prefer to speak with a consultant? Call
1300 131 000.

Frequently asked questions

The cost of Allianz General Property Insurance depends on a number of factors, including:

  • The required sums insured
  • Location of your business
  • Your business type

Call our dedicated small business team on  1300 131 000  for more information, or get an online quote.

When you insure your tools or equipment with General Property Insurance, we’ll email your certificate instantly after you purchase. Buy online or by calling our specialist team on 1300 131 000.

Our General Property Insurance is only available to buy as part of the Business Insurance Pack.

You must buy Public Liability Insurance to add General Property Insurance to your policy. You can buy cover online now or by calling our team of small business specialists on
1300 131 000.

We’re here to help

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*Conditions apply

  1. 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.

  2. Online discount terms and conditions
    A premium discount of up to 10% is applied to your first year's premium when you buy a new Business Insurance Pack policy online.

    Please note that the online discount doesn’t apply to Commercial Vehicle cover, Goods In Transit cover or the following Management Liability covers: Directors and Officers Insurance, Employment Practices Liability, or Crime Insurance (which are only available from our contact centre).

    This discount isn’t applied at renewal.

  3. Minimum premiums may apply
    Any discount and/or entitlements may be subject to rounding and only apply to the extent that any minimum premium isn’t reached.

    If you’re eligible for more than one discount, we apply them in a predetermined order. This means the effect of applying any subsequent discount will be applied to the reduced premium amount after applying any prior discounts. For example, the aggregate effect of applying two discounts consecutively means that you won’t see the full benefit of both these discounts.

    Discounts don’t apply to taxes or government charges. No discounts are applied to Commercial Vehicle cover.

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, please 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.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered on this website.

Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered on this website.