Business Insurance
Know that GIO has insurance designed for many types of businesses, large and small.
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Types of Business Insurance
GIO offers a range of business insurance packages that can be customised to suit your business. We have a range of cover options that address the needs of businesses who work from site to site, as well as options for businesses who operate from a fixed premises. Whether you’re simply after public liability insurance, require small business insurance or are a professional seeking customisable cover, GIO has a range of options for your business. We also have specialised packages for retail and not-for-profit businesses, as well as offering standalone cover for your commercial vehicle if you need it. Get a quote online or by calling us on 13 10 10.
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Which type of Business Insurance is right for me?
Unlike many other insurers, GIO has specific Business Insurance covers that are tailored to meet the needs of different industries. From professionals to hospitality, retail to tradies and many more, you can confidently find a type of cover that’s right for your business’ needs.
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When it concerns your business, it’s better to be safe than sorry. Explore how Public Liability Insurance can help cover your business from liability claims. – Read More
Depending on your individual or business’s circumstances, you could be entitled to claim a deduction for a number of insurance products.
Have you ever thought about what would happen if your business IT infrastructure failed due to a natural disaster like a bushfire or flood, or system failure?
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An employee works for and is part of your business, whilst a subcontractor operates their own business while contracting their services to you.
Flood cover is automatically included (as part of your premium) as part of the property damage section of your business insurance cover for policies with a start date on or after 7 December 2023.
However, we do not insure for flood in the first 72 hours of commencing a new policy or adding/modifying (including increasing any insured amount) of the property damage cover. For more information on your flood coverage and other exclusions, please refer to the relevant PDS and SPDS.
Public Liability relates to third party injury or third party property damage whilst you’re on the job, and Products Liability relates to injury to third parties or damage caused by any products you distribute, supply or manufacture.
Each business is different, and as such has different needs when it comes to insurance. However, you may want to keep in mind what contracts you work on, and the conditions of your licence when making a decision.
According to the ATO, "you can generally claim a deduction for most operating expenses in the same income year you incur them".
You can visit the GIO claims page for more information.
Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.
In NSW, AAI Limited ABN 48 005 297 807 trading as GIO acts as agent for the Workers Compensation Nominal Insurer ABN 83 564 379 108, also known as icare workers insurance, to manage workers insurance claims. To purchase or renew a Workers Insurance policy visit Workers Insurance.
Insurance (including Workers Compensation Insurance in WA, ACT, TAS and NT) is issued by AAI Limited ABN 48 005 297 807 trading as GIO.
Registered Office, Level 23, 80 Ann St, Brisbane QLD 4000. Please read and consider the relevant Product Disclosure Statement before you make any decisions about this product. In accessing the GIO site you agree to the Online Terms and Conditions.
Speak to a GIO Business Insurance consultant
Call us on 13 10 10.
Our knowledgeable, Australian-based call centre team are passionate about Business Insurance. We’re ready to answer your questions about our products and services. We can also assist you with purchasing or renewing a policy, updating your details and more.
