Small Business Insurance

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.

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What insurance do I need for my small business?

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.

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Types of GIO Small Business Insurance

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.

Public Liability

If your business interacts with public face to face – including customers, delivery people or just passers-by – then Public Liability Insurance can cover your business against claims of injury or damage sustained as a result of your business’ activities.


Regardless of whether you’re always on the go or you have a business premises, your business assets are vital to what you do. Cover them with insurance to suit, such as commercial motor vehicle, portable and valuable items or Public and Products Liability cover.


Medical and health practitioners, solicitors, consultants, engineers and many other professionals are exposed to risk from the services they offer. GIO provides insurance options designed to cover your professional business from liability, damage, theft and more.


Whether your retail business is located in a shop or selling direct to customers, GIO Retail Business Protect can provide a broad range of covers to suit the specific needs of retail businesses, such as cover for Public and Products Liability, theft, property damage and many more.

Cafés and restaurants

Café owners and restaurateurs are exposed to a variety of claims and risks every day, including legal liability from personal injury-related claims, such as food poisoning and sickness. A GIO Public Liability or Business Protect package can provide cover for your business.


Not-for-profit businesses could be exposed to risk and claims resulting from their services or products, such as personal injury or failure of performance. GIO Public and Products Liability cover can help cover your not-for-profit business.

Get a Small Business Insurance quote online in 3 easy steps

You can get a GIO Small Business Insurance quote online in no time, helping you to get back to doing what you do best with the knowledge that your business is covered with GIO.

Select your industry

Select your industry and choose a category that best describes your business.

Tell us about your business

To help with your quote you will need to provide us with details, including your business’ expected annual turnover, where your business is located and whether you are operating “from home” or you are a tenant or an owner/operator.

Choose and review

Choose a level of cover, including your preferred insured amount, and review your quote.

Need your Certificate of Currency?

Request a copy of your Certificate of Currency and we’ll make sure you receive it within 4 business hours via email.

why gio

Reasons to choose GIO

GIO Confidence

Part of the Suncorp Network, GIO utilises 90 years’ worth of experience insuring Australian businesses. Throughout GIO’s history, it has maintained a strong commitment to the local community and currently supports organisations such as Fire and Rescue NSW, New South Wales Rugby League, Wheelchair Sports NSW and Youngcare.

GIO Performance

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.

GIO Products

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.

Know how to 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?

Call us

For major claims, or if you require some assistance, contact us on 13 14 46 to speak to one of our dedicated claims specialists.

Email us

For minor claims, email us at and we will contact you within 2 business days with a claims reference and further instructions.

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People also ask

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. If you’d like to discuss whether flood coverage is available for your business, please contact us.

Read More

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:

  • Your policy number
  • Your contact details
  • The type of claim
  • Date, address and description of the claim, including any photos
  • Personal details of any other parties involved (if applicable).

We may ask for further details depending on the circumstances of each claim. 

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.

Got a question?

Ask George, your GIO Virtual Assistant