GIO offers a range of Small Business Insurance cover so you can find the cover that’s right for your business’ needs. From Public Liability to Business Interruption cover and more, know that GIO has policies to suit many small- and medium-sized businesses.
Make sure you know
The type of insurance you need for your business will depend on the type of business you operate and your business’ needs. For businesses that are on the go, we can provide cover for vehicles like cars or vans – as well as important items such as tools, laptops or mobile phones. If your business has a premises, you may need cover for stock and equipment, or for a reduction in turnover due to an insured event, such as fire or storm damage. When it concerns your business, you want to know you’re covered, not just think you are. Explore your cover options and get a Small Business Insurance quote today.
We offer solutions for many types of small- and medium-sized businesses. Find your industry below and see what Small Business Insurance covers can help your business.
GIO Small Business Insurance can offer several different types of cover, depending on the nature of your business. These covers may include:
Know that certain covers are only available for particular industries. For more details on these covers, and a full list of what is and isn’t covered, refer to the GIO Business Insurance Product Disclosure Statement.
Select your industry and choose a category that best describes your business.
Expected annual turnover
This is the total income derived by your business throughout the year. Turnover is not to be confused with your profit, which is revenue minus expenses.
You can refer to the amount shown at G1 on your Business Activity Statement (BAS) to help calculate turnover. Other business records can also help you, such as cash books, bank statements, invoices, and your business plan.
Provide us with your business’ expected annual turnover and where it’s located.
Choose a level of cover, including your preferred insured amount, and review your quote.
Or call us on 13 10 10 to get a quote. View our contact hours.
Request a copy of your Certificate of Currency and we’ll make sure you receive it within 4 business hours via email.
why gio
GIO utilises over 95 years’ worth of experience insuring Australian businesses. Throughout GIO’s history, it has maintained a strong commitment to the local community and currently supports Wheelchair Sports NSW/ACT.
Our knowledgeable, Australian-based Business Insurance Centre is on hand to deal with catastrophic events, with mobile claims and a wide network of repairers ready to assist. You claim at any time over the phone with our 24/7 claims operations, and easily track the progress of your claim online.
Our comprehensive range of cutting-edge insurance products have been specifically designed for industry needs. From business, retail, and food services, to motor, trade, mobile businesses, professional services and more, GIO has cover to suite a range of businesses.
What will I need to lodge a claim?
Please have the following information on-hand when lodging your claim:
We may ask for further details depending on the circumstances of each claim.
Our claims process is fast and easy – we’re here to help 24 hours a day, 7 days a week – so that we can quickly get to work resolving your claim.
What will I need to lodge a claim?
Lodge a claim for:
For major claims, or if you require some assistance, contact us on 13 14 46 to speak to one of our dedicated claims specialists.
For minor claims, email us at lodgeclaim@gio.com.au and we will contact you within 2 business days with a claims reference and further instructions.
FAQs
According to the ATO, "you can generally claim a deduction for most operating expenses in the same income year you incur them".
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.
Expected annual turnover
This is the total income derived by your business throughout the year. Turnover is not to be confused with your profit, which is revenue minus expenses.
You can refer to the amount shown at G1 on your Business Activity Statement (BAS) to help calculate turnover. Other business records can also help you, such as cash books, bank statements, invoices, and your business plan.
What will I need to lodge a claim?
Please have the following information on-hand when lodging your claim:
We may ask for further details depending on the circumstances of each claim.
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.
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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.
