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.
Whether you’re on the tools, running a shop or café, or working on the go, our customisable insurance packages can adapt to meet your business’s unique needs.
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GIO has been a trusted insurance brand for over 95 years. Our team of insurance experts is dedicated to helping protect what’s precious to you.
GIO offers an Express Claims process1, designed to make it easy for you to get back on track quickly. No lengthy paperwork or delays—just fast, fair, and simple claims handling.
With customisable options, GIO can offer covers to fit the unique needs of your business. From public liability to property damage and more, our policies can adapt to your industry and insurance requirements.
And much more!
We also provide cover for property damage, theft, glass, portable items, equipment breakdown and more.
Please read the PDS for full details of what we cover and any limits, conditions and exclusions.
And many more
We provide insurance for a wide variety of industries. For more information about our coverage and any exclusions, check out the relevant PDS, or get a quote online to find out if we cover your business type.
When something goes wrong, we know you need quick support to get back on track. That’s why we offer GIO Express Claims1—a fast, streamlined claims process designed to minimise downtime. From lodging your claim to receiving updates and finalising your payout, we make it as smooth as possible.
For further details, visit our Business Insurance Claims page.
Lodge a claim for:
[24 hours / 7 days a week]
1 Subject to sufficient information being provided. Only available for Commercial Property, Liability and Engineering claims lodged online, excludes Motor and Home claims.
Know More
In some circumstances, insurance policies — such as business insurance cover — may be tax deductible. Get more info and our handy tax tips.
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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.
Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Please read the relevant Product Disclosure Statement before buying this insurance. The Target Market Determination is also available. 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.
In WA, ACT, Tas & NT, workers compensation insurance is issued by AAI Limited ABN 48 005 297 807 trading as GIO. 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.
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.
