Save up to 15%* 2,3

on your first year's premium when you buy General Property insurance as part of a new Small Business Advantage Pack policy online.

What is General Property Insurance?

General Property Insurance covers you for the cost of repairing or replacing property insured, such as your tools or equipment, that is accidentally damaged in any location worldwide (unless otherwise noted).

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 to repair or replace your necessary tools or equipment. This is why having General Property Insurance can help by ensuring accidentally lost or damaged tools or equipment are repaired or replaced ASAP enabling you to continue operating.




Fast, Simple and Convenient

Instant Insurance Certificate

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

Pay by the Month - no extra charge*1

Enjoy paying monthly and at no extra cost.

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.

Claims - we have your back

When misfortune strikes, Allianz is there for you. Lodge a claim by phone 24/7.

What does General Property Insurance cover?

General Property Insurance includes cover for the following:

Repair, replacement, or pay you the cost of repair or sum insured value of the damaged item.

Worldwide protection: Our cover insures your tools and equipment anywhere in the world (unless otherwise noted) in the event of accidental damage or theft in specified circumstances.

Cover for unspecified items up to $2,500 per item up to the sum insured value selected for all items, per event. You have the option to increase these limits when you specify your items separately.

Theft of property not owned by you but in your physical or legal control, up to $2,000 per period of insurance.

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.


Buy your cover in two easy ways:

Get a quick quote online

Get a quick quote online – Purchase Public Liability Insurance as part of our Small Business Advantage Pack and add General Property Insurance to cover your tools or equipment, and other additional covers to suit your business

Call our team of specialists

With years of experience in General Property Insurance and a dedicated small business team, Allianz understands finding the right insurance to suit your business can be confusing and offers a range of insurance products you can choose from to suit your business needs.

Frequently Asked Questions

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.

General Property Insurance offers the reassurance of worldwide coverage for accidental loss or damage to your tools or equipment when away from your business premises including when they are at customer’s sites or taken home by your employees.

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

  • the required sums insured,
  • specific inclusions; and
  • your business type.
Call our dedicated small business team on 1300 131 000 for more information, or get an online quote

This is a summary of some policy exclusions only. Please read the PDS for full details of exclusions that apply.

The following are NOT covered under General Property Insurance:

  • Motor vehicles, caravans, trailers, motorcycles, watercraft, hovercraft, aircraft or aerial devices or the accessories (whether fitted or otherwise) of any of these. Commercial motor vehicles can be covered under the Commercial Motor section.
  • Money, glass, jewellery, works of art or guns.
  • Mobile phones, photographic equipment, computer equipment unless listed as specified items in the PDS.
  • Livestock, animals, birds or fish.
  • Standing timber, growing crops and pastures.
  • Land.
  • Property Insured in the open air where accidental damage is caused by flood, wind, rainwater or hail, unless such property is designed to function without the protection of walls or roofs.
  • Stock, including consumables unless shown in the PDS.
  • Consequential loss of any kind.
  • Theft, except in specified circumstances.
  • Accidental damage caused by wear & tear, electronic defects etc.

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

You can purchase your Public Liability Insurance, which is a compulsory cover as part of the Small Business Advantage Pack, online and add General Property Insurance to your policy.

General Property Insurance is not available for purchase as a standalone policy outside of the Small Business Advantage Pack.

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