Professionals Insurance

Do you run a business or an office that provides professional services? GIO can help you stay covered, with products that can be customised to meet your needs.

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Why do I need Professionals Insurance?

Professional Services business have unique business characteristics, which is why GIO provides a Professional Insurance product which offers flexible cover to suit most professional service business needs. It can offer cover for things like liability, tax probe and theft, as well as many other insurance covers.

Why GIO:

Products for Professionals

GIO Professionals Insurance can cater to the needs of Professional Services businesses.

Fast & easy

Claims lodgement, either online or over the phone.

Pay monthly

If you choose, at no extra cost.

What kinds of professional businesses can be covered?

GIO can offer cover for a wide range of professional services businesses, including – but not limited to – those below.

Health professionals

  • General practitioner
  • Dental surgery
  • Physiotherapist
  • Chiropractor
  • Optometrist
  • Therapist
  • Naturopath
  • Podiatrist
  • Acupuncturist
  • And more.

Business and legal professionals

  • General practitioner
  • Finance Broker
  • Stockbroker
  • Mortgage Broker
  • Credit card administration service
  • Financial Planner
  • Lawyer
  • Management Consultant
  • Accountant
  • Real Estate Agent

Engineers and specialists

  • Architect
  • Advertising Services
  • Engineering Design
  • Engineering Consultant
  • Computer System Design
  • Management Services
  • Real Estate Services
  • Specialised Design Services
  • Surveyor
  • And more.

Can't see the business you're looking for?

Don't worry, we can still help.

Just enter a few details and our online quote tool will determine a range of covers that are suitable for your business.

Covers we offer

Customisable cover to suit your business.

How do I choose what’s right for my business?

We know from speaking to hundreds of business owners every week that you’re focused on making sure you’re getting cover that will protect your business at a sensible price. Below is a table that can help you identify what’s right for you. If you need further information, or have questions you need to ask, our Australian-based call centre are here to help on 13 10 10.

GIO Public Liability

For Professionals that only need basic cover

Public Liability is available within GIO's Protect range of policies

Public and products liability cover with limits up to $20 million

Advertising liability

Cover for items held in your care, custody or control

GIO Mobile Business Protect

For professionals operating from home or anywhere else in the Australia

GIO Mobile Business Protect provides flexible cover for their business and their equipment

Public and products liability cover with limits up to $20 million

GIO Professional Business Protect

For Professionals operating from an office or employing staff

Offers a wide range of covers to tailor to your needs

Public and products liability cover with limits up to $20 million

Read policy document (PDS)

These are just some of the covers GIO Professional Business Protect offers. See the PDS for the complete list of covers. 

Start now

After entering your details, our application will determine a range of covers that are available for your business. 

Do you employ staff?

Workers Compensation insurance is compulsory in Australia, although arrangements vary between states. For more information or to get a quote, head to our Workers Compensation Insurance page.



Looking for more detail? 

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. 

Frequently asked questions
for Business Insurance

Speak to a GIO Business Insurance consultant on 13 10 10 (8am-7pm AEST/AEDT, Mon-Fri).

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 fire, storm (excluding flood), 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:

  • 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. 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:

  • 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.