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.
If you run a business on your own, GIO’s sole trader insurance offers flexible cover options which you can customise to meet your business needs and help you stay insured.
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Fast and easy claims lodgement process.
You can pay your premium monthly at no extra cost to help with your cash flow.
GIO has been a trusted insurance brand for over 95 years.
Call 13 10 10 for product and service support.
Overview
Australia’s economy thrives because of entrepreneurs like you. That’s why GIO offers cover options to suit a wide range of sole traders and small businesses – because every business deserves tailored coverage.
Public & Products Liability
Cover for your legal liability – including compensation and legal fees – if your business or products cause personal injury to another person (other than an employee), or damage to their property.
Property Damage
Cover for property damage or loss to contents and/or stock caused by insured events like fire – including bushfire* – flood*, lightning, explosion and accidental damage.
Business Interruption
Cover for reduction in your business income caused by damage to your property from an insured event.
Portable & Valuable Items
Cover for accidental loss of, or damage to, portable items you carry with you for business while you work anywhere in the world. Items worth less than $2,500 don’t need to be specified on your policy.
Theft
Cover for loss of, or damage to, your contents, specified items and stock caused by theft or attempted theft.
Money
Cover for loss of, or damage to, your business’s money. The money may be in transit, at the premises or in custody at a private residence.
Equipment breakdown
Cover for breakdown of insured equipment at your premises and any loss or damage to insured property caused by the breakdown.
Tax probe
Cover for professional fees – such as accountant’s fees – incurred by you due to a tax audit by the ATO, or Commonwealth, State or Territory department, body or agency.
Commercial motor
Cover for your work ute, van, car, truck and more. Choose from three types of cover for each vehicle insured:
Or call 13 10 10.
*There is no cover for loss or damage caused by flood, bushfire or grassfire within 72 hours of commencing or modifying the policy. Refer to the PDS for more information.
This is just a summary. Limits, conditions and exclusions apply. Not all covers are available on their own. Read the relevant PDS for more information.
For those who run a café, restaurant or takeaway shop.
For many kinds of retail businesses, from clothing boutiques to quirky bookshops.
For chippies, sparkies, tilers, plumbers and the tradies in between.
If you help people’s business or finances, this insurance may offer coverage for certain events.
If you draw blueprints or do calculations, this particular insurance can cover your business for specific insured events.
Insurance for those who provide medical care and services to the wider community.
Get cover for your public and products liability if your market stall or products causes injury or property damage to someone else. Suitable for things like weekly farmer’s markets to one-off exhibitions.
Get cover for your photography business, equipment and loss or damage that happens at a shoot.
Insurance for those who provide medical care and services to the wider community.
Get cover if your business is keeping homes, apartments and units clean and tidy.
These are just a few examples. For more information about our coverage and any exclusions, check out the policy documents, or get in touch with us on 13 10 10.
EXISTING CUSTOMERS
If your claim is under $15,000 and lodged online or by email, you may be eligible for our express settlement.1 Claims lodged online will receive a claim number within 4 hours of lodgement and we will keep you informed via Online status updates.2
For further details, visit our Business Insurance Claims page.
You can get a GIO Public Liability Insurance quote online in under 10 minutes, it’s that easy. Get back to doing what you do best with the knowledge that your business is covered with GIO.
You can also call us at 13 10 10 , even if you lodged your claim online.
1. Subject to sufficient information being provided. Only available for Commercial Property and Specialty claims, excludes Motor and Home claims.
2. Only available for Commercial Property and Specialty claims, excludes Motor and Home claims. Only available for claims lodged Online.
KNOW MORE
Ever wondered if you’re getting the most out of your tax return? Depending on your individual or business’s circumstances, you could be entitled to claim a deduction for a number of insurance products.
So, you’re a café owner or restaurateur looking for business insurance cover. Do you go with Hospitality Insurance or Small Business Insurance?
Running a business from home? Find out more about getting the right type of insurance for your home business.
FAQs
GIO Commercial Motor Insurance can cover work vehicles like utes, vans or cars – with three levels of cover available for you to choose from for each insured vehicle. Or, GIO offers a number of optional covers that may suit your business needs including:
To get a quick and easy quote from GIO, please have the following information handy:
To turn your quote into a policy, you’ll also need the following:
GIO Public and Products Liability Insurance is a combined policy as standard. So, when you purchase Public Liability Insurance with GIO you also have automatic Products Liability cover for personal injury, damage to property and advertising injury caused by products your business provides.
For more information on GIO Public Liability Insurance, read the Product Disclosure Statement
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.
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.
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.
