GIO Business Protect

Business insurance for small businesses

Small Business Insurance

What’s in it for you?

GIO Business Protect is designed for small to medium sized business anywhere in Australia

With the ability to tailor the business insurance package by selecting covers to suit your small businesses, this offering from GIO will help ensure you have peace of mind that your business is better protected.

  • One insurance package with one premium which may include insurance covers for your business premises, contents, stock, your motor vehicles, legal liability and management liability
  • Fast and easy claims lodgement process
  • You can pay monthly to assist with your cash flow

Businesses we insure include but are not limited to:

Hairdressing salon
Beauty salon
Insurance broker

Shoe repairer
Clothing alterations
Carpet cleaning

Interior designer
Art gallery / museum
Printers and publishers

Household goods manufacturing
Food wholesaling

GIO Business Protect overview:

The following is a summary only. Terms, conditions, limits and exclusions apply to all cover sections.

Read the PDS and Policy Wording for full details.

Property Damage

Cover for your building, business contents, stock or specified items for events such as fire, storm (excluding flood), impact, lightning, explosion and earthquake. Also included is the cost of removing debris, and rewriting of records. 


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.


Cover for your building, business contents, stock or specified items for events such as fire, storm (excluding flood), impact, lightning, explosion and earthquake. Also included is the cost of removing debris, and rewriting of records. 


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 for your legal liability for personal injury or damage to third party property and advertising liability caused by an occurrence connected 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:

  • Comprehensive cover: provides cover for your vehicle as well as third party property damage
  • Legal liability, fire and theft: provides cover for your vehicle for fire and theft only and cover for third party property damage
  • Legal liability: provides cover for third party property damage only.
Equipment Breakdown
(not available online)

Covers the cost of repairing or replacing your insured equipment due to a breakdown at your business premises. Covers 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:

  • Accident only
  • Accident & Illness
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:

  • Specified perils: includes collision, fire and explosion
  • Accidental damage: includes specified perils and accidental loss or damage
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.

Get a Business Insurance quote today

Contact us today

If your business is small to medium sized,

contact us right now to discuss your insurance needs.

Request a quote


Call 1800 036 837

Contact an Advisor

If you have a larger business with more complex

insurance needs, contact your local business

insurance specialist to discuss your insurance needs.

Find out more
Important Information

Insurance is issued by AAI Limited ABN 48 005 297 807 trading as GIO. Consider the relevant Product Disclosure Statement and Policy Wording before making any decision about this insurance. This 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.