Policy documents for Business Insurance

Business Protect
Product Disclosure Statement This PDS applies to new policies commenced on or after 28 April 2023 and renewal policies commenced on or after 28 April 2023.
Product Disclosure Statement This PDS applies to policies renewed or policies commenced on or after 27 October 2022 to 27 April 2023.
Product Disclosure Statement This PDS applies to policies renewed or policies commenced on or after 5 October 2021 to 26 October 2022.
Supplementary Product Disclosure Statement SPDS Effective for new policies commencing or policies renewing on or after 7 December 2023. This is to be read in conjunction with your current PDS.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective 1 November 2023. This updates the current PDS and SPDS.
Financial Services Guide – effective 5 October 2021 This FSG outlines important legal information including the services we are authorised to provide.

Target Market Determination
Business Protect (TMD) Original Date: 08/09/2021, Updated: 07/09/2023

Past Documents Business Protect
Financial Services Guide – effective 1 July 2021 to 4 October 2021 This FSG outlines important legal information including the services we are authorised to provide.
Financial Services Guide - effective from 2 May 2019 to 30 June 2021 This FSG outlines important legal information including the services we are authorised to provide.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective for new or policy renewals on or before 28 March 2019.
Supplementary Product Disclosure Statement (SPDS) Effective for new business or policy renewals on or after 28 March 2019. For policies renewing on or after 2 May 2019. This is to be read in conjunction with your current PDS and SPDS.
Business Protect (TMD) 31458 08/03/23 A
Business Protect (TMD) 31458 22/09/22 A
Business Protect (TMD) 31458 08/09/21 A

Retail Business Protect
Product Disclosure Statement This PDS applies to new policies commenced on or after 28 April 2023 and renewal policies commenced on or after 28 April 2023.
Product Disclosure Statement This PDS applies to policies renewed or policies commenced on or after 27 October 2022 to 27 April 2023.
Product Disclosure Statement This PDS applies to policies renewed or policies commenced on or after 5 October 2021 to 26 October 2022.
Supplementary Product Disclosure Statement SPDS Effective for new policies commencing or policies renewing on or after 7 December 2023. This is to be read in conjunction with your current PDS.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective 1 November 2023. This updates the current PDS and SPDS.
Financial Services Guide – effective 5 October 2021 This FSG outlines important legal information including the services we are authorised to provide.

Target Market Determination
Retail Business Protect (TMD) Original Date: 08/09/2021, Updated: 07/09/2023

Past Documents Retail Business Protect
Financial Services Guide – effective 1 July 2021 to 4 October 2021 This FSG outlines important legal information including the services we are authorised to provide.
Financial Services Guide - effective from 2 May 2019 to 30 June 2021 This FSG outlines important legal information including the services we are authorised to provide.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective for new or policy renewals on or before 28 March 2019.
Retail Business Protect (TMD) 31461 08/03/23 A
Retail Business Protect (TMD) 31461 22/09/22 A
Retail Business Protect (TMD) 31461 08/09/21 A

Mobile Business Protect
Product Disclosure Statement This PDS applies to new policies commenced on or after 28 April 2023 and renewal policies commenced on or after 28 April 2023.
Product Disclosure Statement This PDS applies to policies renewed or policies commenced on or after 27 October 2022 to 27 April 2023.
Product Disclosure Statement This PDS applies to policies renewed or policies commenced on or after 5 October 2021 to 26 October 2022.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective 1 November 2023. This updates the current PDS and SPDS.
Financial Services Guide – effective 5 October 2021 This FSG outlines important legal information including the services we are authorised to provide.

Target Market Determination
Mobile Business Protect (TMD) Original Date: 08/09/2021, Updated: 07/09/2023

Past Documents Mobile Business Protect
Financial Services Guide – effective 1 July 2021 to 4 October 2021 This FSG outlines important legal information including the services we are authorised to provide.
Financial Services Guide - effective from 2 May 2019 to 30 June 2021 This FSG outlines important legal information including the services we are authorised to provide.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective for new or policy renewals on or before 28 March 2019.
Mobile Business Protect (TMD) 31459 08/03/23 A
Mobile Business Protect (TMD) 31459 22/09/22 A
Mobile Business Protect (TMD) 31459 08/09/21 A.

Professional Business Protect
Product Disclosure Statement This PDS applies to new policies commenced on or after 28 April 2023 and renewal policies commenced on or after 28 April 2023.
Product Disclosure Statement This PDS applies to policies renewed or policies commenced on or after 27 October 2022 to 27 April 2023.
Product Disclosure Statement This PDS applies to policies renewed or policies commenced on or after 5 October 2021 to 26 October 2022.
Supplementary Product Disclosure Statement SPDS Effective for new policies commencing or policies renewing on or after 7 December 2023. This is to be read in conjunction with your current PDS.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective 1 November 2023. This updates the current PDS and SPDS.
Financial Services Guide – effective 5 October 2021 This FSG outlines important legal information including the services we are authorised to provide.

Target Market Determination
Professional Business Protect (TMD) Original Date: 08/09/2021, Updated: 07/09/2023

Past Documents Professional Business Protect
Financial Services Guide – effective 1 July 2021 to 4 October 2021 This FSG outlines important legal information including the services we are authorised to provide.
Financial Services Guide - effective from 2 May 2019 to 30 June 2021 This FSG outlines important legal information including the services we are authorised to provide.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective for new or policy renewals on or before 28 March 2019.
Professional Business Protect (TMD) 31460 08/03/23 A
Professional Business Protect (TMD) 31460 22/09/22 A
Professional Business Protect (TMD) 31460 08/09/21 A

Motor Trade Business Protect
Product Disclosure Statement This PDS applies to new policies commenced on or after 28 April 2023 and renewal policies commenced on or after 28 April 2023.
Product Disclosure Statement This PDS applies to policies renewed or policies commenced on or after 27 October 2022 to 27 April 2023.
Product Disclosure Statement This PDS applies to policies renewed or policies commenced on or after 5 October 2021 to 26 October 2022.
Supplementary Product Disclosure Statement SPDS Effective for new policies commencing or policies renewing on or after 7 December 2023. This is to be read in conjunction with your current PDS.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective 1 November 2023. This updates the current PDS and SPDS.
Financial Services Guide – effective 5 October 2021 This FSG outlines important legal information including the services we are authorised to provide.

Target Market Determination
Motor Trade Business Protect (TMD) Original Date: 08/09/2021, Updated: 07/09/2023

Past Documents Motor Trade Business Protect
Financial Services Guide – effective 1 July 2021 to 4 October 2021 This FSG outlines important legal information including the services we are authorised to provide.
Financial Services Guide - effective from 2 May 2019 to 30 June 2021 This FSG outlines important legal information including the services we are authorised to provide.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective for new or policy renewals on or before 28 March 2019.
Motor Trade Business Protect (TMD) 31457 08/03/23 A
Motor Trade Business Protect (TMD) 31457 22/09/22 A
Motor Trade Business Protect (TMD) 31457 08/09/21 A

Commercial Motor Protect
Product Disclosure Statement This PDS applies to new policies commenced on or after 27 October 2022 and renewal policies commenced on or after 27 October 2022.
Supplementary Product Disclosure Statement (SPDS) Effective for new business or policy renewals between 27 October 2020 and 24 May 2021. This is to be read in conjunction with your current PDS and SPDS.
Product Disclosure Statement This PDS applies to policies renewed or policies commenced on or after 5 October 2021 to 26 October 2022.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective 1 November 2023. This updates the current PDS and SPDS.
Financial Services Guide – effective 5 October 2021 This FSG outlines important legal information including the services we are authorised to provide.

Target Market Determination
Commercial Motor Protect (TMD) Original Date: 08/09/2021, Updated: 07/09/2023

Past Documents Commercial Motor Protect
Product Disclosure Statement This PDS applies to policies renewed or policies commenced on or after 25 May 2021 to 4 October 2021.
Supplementary Product Disclosure Statement (SPDS) Effective for new business or policy renewals between 27 October 2020 and 24 May 2021.
Financial Services Guide – effective 1 July 2021 to 4 October 2021 This FSG outlines important legal information including the services we are authorised to provide.
Financial Services Guide - effective from 2 May 2019 to 30 June 2021 This FSG outlines important legal information including the services we are authorised to provide.
Update pursuant to ASIC Corporations Instrument 2016/1055 Effective for new or policy renewals on or before 28 March 2019.
Supplementary Product Disclosure Statement (SPDS) Effective for new business or policy renewals on or after 28 March 2019. This is to be read in conjunction with your current PDS and SPDS.
Commercial Motor Protect (TMD) 31456 22/09/22 A
Commercial Motor Protect (TMD) 31456 08/09/21 A

Not For Profit Organisation Insurance
Policy Wordings This wording applies to policies renewed or policies commenced on or after 27 October 2022.
Policy Wordings This wording applies to policies renewed or policies commenced after 25 May 2021 to 26 October 2022.
Financial Services Guide – effective 5 October 2021 This FSG outlines important legal information including the services we are authorised to provide.

Past Documents Not For Profit Organisation Insurance
Financial Services Guide – effective 1 July 2021 to 4 October 2021 This FSG outlines important legal information including the services we are authorised to provide.

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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.