Protect the your building and contents

Your insurance cover

Business Protection

Cash flows. And keeps on flowing. Business Interruption cover is designed to help you if you find yourself in a situation where circumstances outside of your control start impacting on your ability to operate. It allows you to continue paying your bills until you’re back up and running – and also covers your money, protects against management liability claims and provides professional indemnity coverage.

Protect your business from interruption

Help protect against the unexpected

Business Interruption

If, due to a defined event you cannot continue to trade as usual, your business income may cease – or be significantly decreased – for a period. But there may still be loan repayments to make, employees to pay, and key customer accounts to manage. Adding cover for Business Interruption may offset the losses to your business during this time and help get you back on track faster.

SHOW MORE DETAILS SHOW LESS DETAILS

With Business Interruption cover, your business is covered for loss of gross revenue and increased expenses during the affected period, including such costs as:

  • Business Income Protection – shortfall in weekly income
  • Consequential Loss of Profits – loss of gross profit; or
  • Business Continuity – shortfall in business turnover.
What else does Business Interruption cover?

Additional benefits of Business Interruption part C - Business Continuity cover can include:

  • Claims preparation expenses up to $5,000, covering costs of preparing a claim settlement.
  • Additional coverage up to $25,000 for inclusions such as additional increase in cost of working and accounts receivable.
Protect your business from the unexpected

Coverage for the unexpected

Management Liability Cover

Litigation is increasingly common, so it’s important to protect yourself against actions by your Directors, Officers and Staff.

SHOW MORE DETAILS SHOW LESS DETAILS
What does Managment Liability cover?

Management Liability cover can cover:

Directors and Officers

Covers you or any of the directors and officers, against a breach of duty, breach of trust, act, error or omission for a claim that is first made and reported to us during the period of insurance.

Employment Practices Liability

Covers you for a claim against you for a specific breach of employment practices, such as discrimination, wrongful dismissal or sexual harassment.

Crime

Covers you for any loss of property that belongs to you, and for which you are legally liable, that has been unlawfully taken by an employee.

Tax Audit

If your business is audited, there are likely to be significant related costs, including fees for tax agents, financial advisors, auditors, accountants and solicitors. There are often costs attached to preparing for the audit, including staff overtime and travel. This is where Tax Audit can help protect you.

Directors and Officers, Employment Practices Liability and Crime are not available online.
Secure your business

Security for your business

Professional Indemnity

Professional Indemnity cover provides protection against civil liabilities arising from a professional service provided by you in respect of your business.

This includes:

  • Any actual or alleged misleading or deceptive conduct.
  • Defamation, slander or libel.
  • Any breach of intellectual or industrial property or trade secret whether registered or unregistered, including but not limited to trade marks, designs, patents and copyright.
  • Breach of privacy or duty of confidentiality.

Professional Indemnity is not available online and is only available for selected occupations.

Use our 24/7 telephone service to lodge a claim

We are available to assist you anytime with our claims hotline.

No extra charge for pay by the month*

We offer pay by the month at no extra charge for your convenience.

Making a claim

Learn more about making a claim or start a claim now.

Policy Documents

Download and read the Product Disclosure Statement for Small Business Insurance.

Certificate of Currency

If your Business insurance is already with Allianz, you can request a copy of your Certificate of Currency.