Types of Business Insurance
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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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Each of GIO’s insurance products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allows us to put you, the customer, at the centre of our product development and distribution.
An employee works for and is part of your business, whilst a subcontractor operates their own business while contracting their services to you.
Not automatically. While cover for property damage is available, that doesn’t necessarily extend to damage caused by flood.
That being said, we may be able to add flood cover to your policy. If we do, it’ll be subject to our underwriting guidelines and an additional premium. Flood cover is not available online, so if you’d like to discuss whether flood coverage is available for your business, please contact us on 13 10 10.
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".
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 28, 266 George 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