Small business insurance

Covers designed to protect your business from unplanned costs
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 knowing which cover is right for your business is important.

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.

Pay by the month at no extra cost1.  You can pay monthly or annually at no extra cost to suit your cash flow.
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 Australian-based 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 covers2 to suit your small business.
Every business is different, so we offer a flexible policy to provide cover 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 as a result 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.
Cover your tools and professional equipment for accidental damage or theft through a break in, anywhere in the world (unless otherwise noted on your policy schedule).
Covers your shopfront from accidental damage to glass at your premises, including temporary security costs to keep your small business safe while your glass is repaired or replaced.
Covers your shop or office building, contents and 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 cover 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 insure 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) and Target Market Determination (TMD) for this insurance for this insurance which are available on this website.
Lodge a claim online 24/7 or find a number for your claims category to lodge a claim over the phone.
Our experts can help you arrange your Business Insurance. Call 1300 131 000 to speak to a Business specialist now.
Your proof of insurance, Certificate of Currency (COC), will be emailed to you instantly after purchase.
For more cover options, call 1300 131 000 to speak with a consultant.

Business insurance ranges broadly. Cover can include but not limited to:

  • Liability, such as public and products liability.
  • Your physical assets, such as commercial vehicles, commercial property for premises, stock and contents, glass for your office or shop’s front window, theft of assets and general property for your mobile tools of the trade.
  • Other cover, such as business interruption for lost income due to an insured event.

Every business is different so it’s important to consider the type of business, how you operate, and which aspect of your business you wish to cover for. Certain businesses may also be required to carry some level of insurance, so make sure you know your obligations.

We provide cover for thousands of occupations and many types of businesses. Find your industry and learn more about what you can cover.

If your business activities involve interacting with the public, Public Liability Insurance can help cover you if you become liable to pay compensation for injury to third parties, or damage to their property as a result of your business activities or while using your product or service.

Depending on the type of your business or where you operate, you may be required to carry some level of Public Liability cover. Make sure to check the requirements before buy your insurance.

Allianz Business Insurance Pack does provide Flood Cover but it’s an optional benefit.

Flood Cover is available when selecting Commercial Property Insurance, which is available as part of Allianz Business Insurance Pack and designed cover your shop or office building, contents, and stock.

On top of property insured, you could also be covered for lost income, profit or turnover in the event of a flood if you have selected Business Interruption Cover section in addition to Flood cover option within Commercial Property insurance.

This is only included in your Business Interruption insurance if you have selected the Flood Cover option under Commercial Property.

See the Commercial Property and Business Interruption sections within your PDS for more details.

For more information, call 1300 131 000 to speak to our Australian-based Business Insurance experts.

Whether you’re submitting a motor or property claim, or notifying us of a public or products liability incident, here’s what you’ll need to do.

  1. Get the details including policy number and details of what has happened.
  2. Complete our claim form. You can choose between an online or paper form or give us a call on the following numbers:
    Motor & Property: 13 10 13
    Public Liability (bodily Injury): 02 8988 9982
    Public Liability (non-bodily injury): 02 8988 9969
  3. We’ll be in touch.

Find detailed information on our Business Insurance Claims page.

  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. Range of covers
    Acceptance criteria apply to each cover based on the characteristics of your business and the risks you’re looking to insure.
  3. 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.
  4. Awards
    IBA General Insurer Claims Team of the Year in 2021.
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.