Save up to 15%* 2,3

on your first year's premium when you buy a new Small Business Advantage 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 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.

    

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This is a limited summary of some of our Small Business Advantage 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.

Insurance for businesses available in our Small Business Advantage Pack

Core covers: Here is a summary of some of the covers available to business owners to protect your business in the event of certain unexpected events:

Commercial Vehicle Insurance

Helps cover your costs if you are in a road accident while on the job.

Key cover inclusions:

  • Ability to cover up to 2 vehicles online or up to 20 when you call us on 1300 131 000.
  • Replacement or repair of your business vehicle.
  • Medical costs for you and any passengers.
  • 3 levels of cover to choose from: Comprehensive, Fire & Theft, and Third Party Property Damage.

General Property

Protection for your tools and equipment for accidental damage and theft.

Key cover inclusions:

  • The cost of any stolen stock or contents.
  • Repair of damage to your building fixtures that occurred during the theft e.g. replacement of locks.
  • Up to 50% increase of cover during peak periods of business.

Theft Insurance

Helps to protect your business against the cost of theft from your business premises.

Key cover inclusions:

  • The cost of any stolen stock or contents.
  • Repair of damage to your building fixtures that occurred during the theft e.g. replacement of locks.
  • Up to 50% increase of cover during peak periods of business.

Glass

Cover for the replacement of glass damaged on your premises, and stock damaged by glass.

Key cover inclusions:

  • Replacement of internal glass, showcases and merchandise fittings.
  • Replacement of external glass and other materials used on windows, doors and skylights.

Business Interruption

Cover for the assets and business premises for damage from unexpected events like a storm, fire or vandalism.

Key cover inclusions:

  • Choose which part of your business earning to cover: your shortfall in weekly income or business turnover, or gross loss of profits.

Material Damage Insurance

Cover for the assets and business premises for damage from unexpected events like a storm, fire or vandalism.

Key cover inclusions:

  • Cost to replace or repair your business stock, contents and premises.
  • Demolition and debris removal, temporary repairs to protect the insured property.
  • Accidental damage to Employees and Director’s personal property.

Other Business Insurance Cover Options:

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

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.

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.

Key cover inclusions:

  • Fire, collision and overturning;
  • Fire, collision and overturning and theft;
  • All Risks not excluded (our broadest 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

Helps to protect you against some of the financial risks of being in business, including cover options designed to help protect your business from management or operational risk.

Key cover inclusions:

  • Directors and Officers Liability insurance: cover for you or your directors, officers and employees against claims being made by third parties for alleged wrongful acts.
  • Employment Practices Liability insurance: covers you in the event of specific employment practices claims, such as wrongful dismissal or discrimination.
  • Crime insurance: covers you for loss of property caused by employee dishonesty.
  • Tax Audit insurance: cover for the reasonable professional fees incurred for a tax audit.

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.

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 Mon – Fri.


1300 131 000
    

or

    
Get my quote


This is a limited summary of some of our Small Business Advantage 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 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.