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Small business insurance

Helping to look after your livelihood
Insurance covers designed to protect your small business from unplanned costs when things go wrong
Prefer to speak with a consultant? Call 1300 131 000.

Whether you’re just starting out or are already established, a lot of energy goes into building your business. No matter how much you prepare, some circumstances are out of your control. Small businesses can be particularly vulnerable, that’s why choosing the right cover is key to protecting your business.

Depending on your business type or the locations you operate in, you may be contractually or legally required to carry some level of insurance. That’s why it’s important to consider your business obligations.


Save up to 10%2,3 
on your first year's premium when you buy a new Business Insurance Pack policy online.
We provide cover for thousands of occupations and many types of businesses. Find your industry and learn more about what you can cover for. 
Can’t see your industry? Call 1300 131 000 and speak to our team of Business Insurance specialists or view our cover options.
Flexible cover designed to help protect your small business against the unexpected. From Public Liability cover to accidental damage or theft of vehicles, tools or stocks, choose and combine from a range of 12 insurance covers5 to suit your small business.
Every business is different, so we offer a flexible policy to provide protection where you need it most. With our Business Insurance Pack, you can select and combine insurance covers you need.
Public and Products Liability Insurance covers your business if a member of the public is injured, or their property is damaged, at your business premises or because of using your products or services. It covers compensation you’re legally liable to pay, plus your reasonable legal fees.
Covers accidental damage to third-party property by you or your employees if you’re in a road accident on the job. Available as part of the Business Insurance Pack or a standalone – cover up to 20 vehicles in one policy.
Protect your tools and professional equipment with cover for accidental damage or theft via a break in, anywhere in the world (unless otherwise noted on your policy schedule).
Protect your shopfront with cover for accidental damage to glass at your premises, including temporary security costs to keep your small business safe while your glass is repaired or replaced.
Protect your shop or office building, contents and stock with cover for accidental damage from unexpected insured events, such as a fire, storm, or vandalism.
Covers your lost income, profits or turnover if your business premises has to close due to unforeseen insured events, like a storm or fire.
Cover for loss caused by theft of property insured from your business premises, such as your stock or equipment.
Covers the cost to repair or replace electronic equipment at your business premises, such as computers, in case of breakdown.
Covers the replacement of money stolen from your business premises during business hours, or outside business hours while locked in a safe or strongroom, in transit or in your custody at a private residence.
Helps protect your stock or products from accidental damage, fire or theft while they’re in transit anywhere in Australia.
Choose from up to four covers to protect your business against claims of wrongful acts by management, employment practises breaches, theft by employees, or fees incurred if your taxes are audited.
Covers the cost of repair or replacement of your business machinery if it breaks down.
Prefer to speak with a consultant? Call 1300 131 000.
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.
Your proof of insurance, Certificate of Currency (COC), will be emailed instantly after purchase
You can pay monthly or annually at no extra charge to suit you and your cash flow
Our experts can help you arrange your Business Insurance. Call 1300 131 000 to speak to a Business specialist now
Make a claim online 24/7 or find a number for your claims category to lodge a claim over the phone
For more cover options, call 1300 131 000 to speak with a consultant.
  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.
  4. Commercial Vehicle Insurance
    Commercial Vehicle cover is only available to buy under the Business Insurance Pack if you also buy Public and Products Liability Insurance or Commercial Property under the same policy. If you don’t require Public and Products Liability Insurance, we offer a standalone Commercial Motor Insurance policy that you can consider instead.
  5. Range of covers
    Acceptance criteria apply to each cover based on the characteristics of your business and the risks you’re looking to insure.

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.