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.
Property Damage
Cover for your building, business contents, stock or specified items for events such as flood, fire, storm, impact, lightning, explosion, and earthquake.^ Also included is the cost of removing debris, and rewriting of records.
Theft
Cover for theft of your contents, specified items and stock. Cover is not provided for theft of contents in the open air.
Glass
Covers loss or damage to glass that you own or for which you are legally responsible at your business premises, the cost of temporary shuttering, replacement of sign writing, cost of replacing any window tinting film and the cost value of stock and contents spoiled by the broken glass.
Money
Covers loss of money at your business premises during and outside of business hours. Cover is also provided for money lost during transit, whilst in a safe or strongroom or in custody at a residential premises. The policy does not cover loss of money due to accounting or clerical errors or theft by staff.
Business Interruption
Provides cover for reduction in turnover or revenue if your business is interrupted due to an insured event such as fire, burglary or storm damage. Reasonable claims preparation costs and increased cost of working are included as extra covers.
Public and Products Liability cover
Cover for your legal liability for personal injury, damage to third party property, and/or advertising liability if it occurred in connection with your business.
Portable and Valuable Items
Cover for portable and valuable items such as mobile phones, laptop computers and tools of trade that you usually carry around with you in the course of your business. Cover is provided for accidental loss or damage to portable and valuable items worldwide. Cover limit up to $2,500 applies per item unless the item has been specified for a higher value.
Tax Probe
Covers you for professional fees (such as accounting fees) associated with a tax audit or investigation of your business’s tax affairs by the ATO or Government agency. Tax Probe cover provided depends on whether you select Business Audit only, Business and Directors Audit or Individual cover.
Commercial Motor
Commercial Motor Vehicle Insurance offers three types of cover for your business vehicles:
Equipment Breakdown
(Not available online)
Covers the cost of repairing or replacing your insured equipment due to a breakdown at your business premises. Cover is also provided for any direct loss or damage to insured property as a result of the breakdown. Deterioration of stock, restoration of computer data and increased costs of working are optional covers available for an additional premium.
Personal Accident & Illness
(Not available online)
Business insurance not only can provide cover for damage to physical assets, but can also offer Personal Accident & Illness cover to business owners and staff named on the policy schedule. There are 2 types of cover:
Goods in Transit
(Not available online)
Provides cover for loss or damage caused to goods you sell, buy or use in your business when they are in transit. There are 2 types of covers:
Management Liability
(Not available online)
Covers the management liability of you, your directors, officers and employees. Optional cover for Employee Dishonesty is also available for an additional premium.
GIO offers flexible policies, allowing you to customise your cover to suit your business’ needs.
Overview
GIO Retail Business Protect offers a range of 12 insurance covers, from which you can select according to the needs of your business.
If you are operating shops, convenience stores or selling direct to customers, GIO Retail Business Protect offers a broad range of cover you can tailor to your needs. Any or all of these can be added to your policy when quoting online, or by logging in to your account.
Theft
Cover for theft of your contents, specified items and stock. Cover is not provided for theft of contents in the open air.
Money
Covers loss of money at your business premises during and outside of business hours. Cover is also provided for money lost during transit, whilst in a safe or strongroom or in custody at a residential premises. The policy does not cover loss of money due to accounting or clerical errors or theft by staff.
Glass
Covers loss or damage to glass that you own or for which you are legally responsible at your business premises, the cost of temporary shuttering, replacement of sign writing, cost of replacing any window tinting film and the cost value of stock and contents spoiled by the broken glass.
Tax probe
Covers you for professional fees (such as accounting fees) associated with a tax audit or investigation of your business’s tax affairs by the ATO or Government agency. Tax Probe cover provided depends on whether you select Business Audit only, Business and Directors Audit or Individual cover.
Portable and valuable items
Cover for portable and valuable items such as mobile phones, laptop computers and tools of trade that you usually carry around with you in the course of your business. Cover is provided for accidental loss or damage to portable and valuable items worldwide. Cover limit up to $2,500 applies per item unless the item has been specified for a higher value.
Some types of cover can’t be purchased online. However, you can add them by speaking to one of our friendly contact service agents.
Equipment Breakdown
Covers the cost of repairing or replacing your insured equipment due to a breakdown at your business premises. Cover is also provided for any direct loss or damage to insured property as a result of the breakdown. Deterioration of stock, restoration of computer data and increased costs of working are optional covers available for an additional premium.
Management liability
Covers the management liability of you, your directors, officers and employees. Optional cover for Employee Dishonesty is also available for an additional premium.
Goods in transit
Provides cover for loss or damage caused to goods you sell, buy or use in your business when they are in transit. There are 2 types of covers:
For full details of the cover and for limits, conditions and exclusions, please refer to the Policy Document (PDS).
If you can’t see the business you’re looking for, we can still help.
After entering your details and business occupation our application will determine a range of covers that may suit your business needs.
If you can’t see the business type you are, then we can still help on 13 10 10
WHY GIO
Benefits of GIO Retail Business Protect include:
Claim 24/7
You claim at any time over the phone with our 24/7 claims operations, and easily track the progress of your claim online.
Pay by the month
You can pay by the month as a preferred method of payment.
Coverage
Our comprehensive range of cutting-edge insurance products have been specifically designed for industry needs.
GIO Confidence
GIO utilises over 95 years’ worth of experience insuring Australian businesses.
In general, retail insurance is cover designed for retail businesses, including shops, online businesses and mobile retailers, and usually offers cover for things like public and products liability, theft, property damage and more. GIO offers flexible retail insurance with Retail Business Protect, a policy that lets you select covers that suit your business.
FAQS
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.
There are a few scenarios not covered by Public and Products Liability Insurance, for example pollution, asbestos, and product recalls.
^The content on this page in respect of flood cover under the property damage section applies to policies with a start date on or after 7 December 2023. We do not insure you for flood, cyclone, bushfire or grass fire in the first 72 hours of commencing a new policy or adding/modifying the property damage cover. Limited exception. Refer to the PDS for details.
Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO.Information provided is general advice only and doesn’t take into account your particular objectives, financial situation or needs. Conditions, exclusions and limits apply. Consider the relevant Product Disclosure Statement before making a decision about this insurance. The Target Market Determination is also available.
Speak to a GIO Business Insurance consultant on 13 10 10 (8am - 6pm AEST/AEDT, Mon-Fri).
Our Australian-based call centre team are passionate about Business Insurance. We’re ready to help answer your questions about our products and services. We can also assist you with purchasing or renewing a policy, updating your details and more.
Insured events
Insured events include flood, fire, storm, impact, lightning, explosion and earthquake.^ For full details, please refer to the PDS
Equipment Breakdown
Covers the cost of repairing or replacing your insured equipment due to a breakdown at your business premises. Cover is also provided for any direct loss or damage to insured property as a result of the breakdown. Deterioration of stock, restoration of computer data and increased costs of working are optional covers available for an additional premium.
Management liability
Covers the management liability of you, your directors, officers and employees. Optional cover for Employee Dishonesty is also available for an additional premium.
Goods in transit
Provides cover for loss or damage caused to goods you sell, buy or use in your business when they are in transit. There are 2 types of covers:
Theft
Cover for theft of your contents, specified items and stock. Cover is not provided for theft of contents in the open air.
Money
Covers loss of money at your business premises during and outside of business hours. Cover is also provided for money lost during transit, whilst in a safe or strongroom or in custody at a residential premises. The policy does not cover loss of money due to accounting or clerical errors or theft by staff.
Tax probe
Covers you for professional fees (such as accounting fees) associated with a tax audit or investigation of your business’s tax affairs by the ATO or Government agency. Tax Probe cover provided depends on whether you select Business Audit only, Business and Directors Audit or Individual cover.
Glass
Covers loss or damage to glass that you own or for which you are legally responsible at your business premises, the cost of temporary shuttering, replacement of sign writing, cost of replacing any window tinting film and the cost value of stock and contents spoiled by the broken glass.
Portable and valuable items
Cover for portable and valuable items such as mobile phones, laptop computers and tools of trade that you usually carry around with you in the course of your business. Cover is provided for accidental loss or damage to portable and valuable items worldwide. Cover limit up to $2,500 applies per item unless the item has been specified for a higher value.
COOKIE AND DATA POLICY
We use cookies and other related technologies to improve and tailor your website experience. See our Cookie and Data Policy. This policy provides information about how GIO collects and uses data related to your online activity, and how you can choose to remain anonymous. This content is current for Home Building, Home Contents, Landlord, Strata, Car, Motorcycle, Caravan and Boat Insurance policies with a start or renewal date on or after 22 March 2021.
AAI LIMITED TRADING AS GIO
Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Registered Office, Level 23, 80 Ann Street, Brisbane QLD 4000. 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 accessing the GIO site you agree to the Online Terms and Conditions.
