Save up to 10%*2,3

on your first year's premium when you buy a new Business Insurance Pack policy online.

It starts with Public Liability Insurance

Public Liability Insurance, also known as Public and Products Liability Insurance, helps to protect you if you become liable to pay compensation for injury to third parties, or damage to their property, during the course of your work.

We offer Instant Certificates of Currency - Your proof of insurance will be emailed instantly after purchase.

Allianz Public and Products Liability insurance can provide you with cover for legal costs and compensation arising from the following types of claims:


Personal Injury

Cover for a third-party who is injured at your business premises or in connection with your business activity.

Property Damage

Cover for damage to a third party’s property whether it is a physical premise (such as a building) or to an item they own.

Products Liability

Cover for claims made in connection to a product you have produced or supplied that may have caused damage or injury to a third party.



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, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) which are available on this website.

Covers available in our Business Insurance Pack

Covers: Here is a summary of some of the covers available to business owners to protect your business from unexpected costs caused by certain insured events:

Commercial Vehicle 4

Can help cover your costs if your business car or vehicle is in a road accident.

Key cover inclusions:

  • A choice of three levels of cover: Comprehensive, Fire and Theft, or Third Party Property Damage only.
  • Up to $30 million for amounts which you become legally liable to pay as compensation for loss or damage to a third party’s property caused by a vehicle accident which is partly or fully your fault.
  • Replacement or repair of your business car or vehicle if it suffers loss or damage as a result of specified events (Not applicable to Third Party Property Damage only).
  • Insure up to two vehicles online, or up to 20 vehicles under a standalone Commercial Motor insurance policy when you call us on 1300 131 000.

General Property

Protection for property insured, such as your stock or hand tools in the event of accidental damage.

Key cover inclusions:

  • We will repair or replace, or pay you the sum insured for, the damaged item.
  • Worldwide cover (unless otherwise noted).
  • Cover for unspecified items – up to $2,500 any one item subject to the maximum sum insured for all items in any one event.
  • Theft cover for third-party property in your custody or control – up to $2,000 per period of insurance.

Commercial Property

Covers you for accidental damage to your property insured, such as your business premises, contents and stock at the insured location from unexpected insured events like a storm, fire or vandalism.

Key cover inclusions:

  • Cover to replace or repair your business stock, contents and premises up to the sum insured.
  • Cover for up to $15,000 per event for accidental damage to employees and director’s personal property at the insured situation.
  • Other costs such as demolition and debris removal, temporary repairs and firefighting and local authority costs.

Business Interruption

Covers your lost income, profits or turnover as a result of interruption to your business caused by insured unforeseen defined events, such as a fire.

Key cover inclusions:

  • A choice of which part of your business shortfalls to cover: weekly income, business turnover, or loss of gross profits.
  • Temporary cover for any additional premises you acquire within Australia to operate your business provided we are notified of the use or acquisition within 30 days.

  • Note: In order to add Business Interruption Insurance to your Business Insurance Pack, you will need to purchase Commercial Property cover.

Glass

Cover for the repair or replacement of glass accidentally broken at your business premises, including up to $1,000 for stock damaged by the broken glass.

Key cover inclusions:

  • Internal glass, showcases and other fixed internal glass.
  • External glass windows, doors, showcases or skylights forming part of the building.
  • Cover for breakage of illuminated/advertising signs up to $2,500 per period of insurance.
  • Cover for the cost of temporary repairs, including shutter installation and employment of watchmen or guards.

Theft

Cover for loss caused by theft of property insured from your business premises.

Key cover inclusions:

  • We will repair or replace, or pay you the sum insured for, the stolen item.
  • Repair of damage to your building that occurs during the theft e.g. replacement of locks.
  • The cost of temporary protection and watchmen up to $5,000 per event.
  • Up to a 50% increase in cover for stock during seasonal increase periods.

Other Business Insurance Cover Options:

Here is a summary of some of the other cover options that are available to business owners under the Business Insurance Pack.

Money

Covers the replacement money if stolen from your business premises during business hours or outside business hours, while locked in a safe or strongroom, in transit or in custody at a private residence

Key cover inclusions:

  • Money lost due to accidental loss, destruction or theft, fraud or dishonesty by employees up to $1,000 per period of insurance.
  • Up to a 50% increase in money cover during seasonal increase periods.

Electronic Equipment

Covers the repair or replacement of electronic equipment or computers in case of a breakdown.

Key cover inclusions:

  • Cost to either repair or replace your electronic equipment following a breakdown.
  • Costs toward the hire of temporary equipment while yours is being repaired.
  • Options to purchase additional cover for restoring data, or for the increased costs of working due to disruption, following a breakdown.

Goods In Transit

Helps cover the cost of repair or replacement of insured property, such as stock, that is damaged due to a specified event during transit anywhere in Australia.

Three levels of cover to choose from:

  • Fire, collision and overturning;
  • Fire, collision and overturning and theft;
  • All Risks not excluded (our broadest Goods In Transit cover).

Machinery Breakdown

Covers the cost of repair or replacement of your business machinery if it suffers a breakdown.

Key cover inclusions:

  • Cover available for a range of electrical and mechanical machinery, boilers and pressure vessels and pressure pipe systems.
  • Costs toward the hire of temporary machinery while yours is being repaired.

Management Liability

Contains four covers to choose from, protecting your business against:

  • Claims of wrongful acts by you, your company directors or management (Directors and Officers Liability)
  • Claims of employment practises breaches, such as wrongful dismissal or discrimination (Employment Practises Liability)
  • Theft of property by employees (Crime)
  • Cover for fees incurred if your taxes are audited (Tax Audit)

Personal Accident and Sickness

Note: Existing customers only

Personal Accident and Sickness

Can provide income protection if an insured person is sick or injured, and is unable to work for a period of time, or a lump sum benefit if they suffer a specified injury following an accident.

Note: This cover is no longer available in the business insurance pack

Key cover inclusions:

  • Weekly benefits for a portion of your income while you’re recovering from certain injuries or sickness for a maximum of up to 2 years.
  • Lump sum payout in the case of permanent injury or accidental death.
  • Percentage of the Capital Sum Insured for certain defined events.

Can’t find the cover that you need online? We have an extended range of insurance covers available through our team of specialists.
We’re open 8:00am - 7:30 pm AEST Mon – Fri.


    

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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, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) which are available on this website.



 

Fast, Simple and Convenient

Instant Certificate of Currency

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

Pay by the Month at no extra charge*1

Pay monthly or annually at no extra charge to suit you and your cash flow.

Specialist Business Experts

Our experts can give general advice and help to arrange your business insurance. Call 1300 131 000 to talk to a business specialist.

Excellence in Claims

We're here when you need to make a claim.

You can submit a claim online 24/7 or call 13 10 13 to commence the claims process.

Allianz was awarded the 2019 Mansfield Gold award for Overall Excellence in Claims.