Business Insurance is flexible and can be easily customised to meet your business’ needs.
You can choose from a range of options to cover your business, from Public Liability cover to protection for your work tools, commercial vehicles, and more.
This is a summary only, for the full details of what is and is not covered, please read your Product Disclosure Statement (PDS).
You can also consider these other covers for your business.
Business interruption
Covers a shortfall in your gross profit if your business is interrupted by an incident we cover.
Personal accident and illness
Provides a weekly benefit in the event of certain injuries, accidents or illnesses.
Machinery
Covers breakdown of machinery you need to run your business, for example cash registers, salon equipment or air conditioners.
Tax investigation
Covers the cost of professional fees resulting from an audit or investigation which relates to you paying a tax.
Portable property
Covers you for loss, damage or burglary for insured property (e.g. tools) you take on the road with you or stored at a worksite away from your main premises.
Employee dishonesty
Covers you against loss of money caused by any fraudulent or dishonest act by an employee with the clear intent of making improper personal financial gain.
Commercial motor vehicles
Covers the motor vehicles you use to operate your business.
This is a summary only, for the full details of what is and is not covered, please read your PDS.
Log in to CGU Online to download your Certificate of Currency or Certificate of Insurance.
Or you can:
Public Liability Insurance protects your business against claims resulting from accidents or injuries that occur as result of your business activities or products, as well as damage to property owned or controlled by someone else.
Find out more about Public Liability Insurance.
Every business is different, and there is no ‘one size fits all’ rule for how much Public Liability Insurance your business needs.
We offer multiple levels of public liability cover which can be purchased from us directly:
If you need more cover, call us on 13 24 81 (8am–8pm AEDT, Mon–Fri).
Public liability claims can be very costly, so it’s important you choose a level of cover that will financially protect your business should you need to make a claim.
Theft covers you from a person breaking into your business premises and stealing business stock, contents or equipment.
Money covers money being stolen (theft just covers physical contents, not currency).
Employee dishonesty covers you for loss of money caused by a dishonest or fraudulent act by an employee with the clear intent of making an improper personal financial gain.
For more information about the cover options, and what is covered, please read your PDS.
Business interruption can cover the shortfall in gross profits caused by the interruption to your business resulting from an insured event (eg storm or fire damage) and can help pay ongoing costs and protects profit margins until your business is back on its feet and back at its profit level before the interruption.
Find out more about business interruption and how it works.
For more information about this cover, please read your PDS.
Personal accident and illness insurance helps you cover your costs if you are unable to work due to injury or illness. You can also select an option for compensation if certain specified permanent injuries occur (this is referred to as Lump Sum benefits).
For more information about this cover, please read your PDS.
Personal accident and illness can cover you if you are self-employed, and it provides short to medium term cover (maximum 104 weeks) if you are unable to work because of injury or illness.
Income protection can cover anyone (self-employed, home-makers, part time workers, full time employees, etc) and is intended to be a long-term cover.
For more information about this cover, please read your PDS.
Generally, if you employ or engage anyone else to work for you, you need workers compensation insurance. A ‘worker’ is a person who has entered into work under a contract of service with you. There doesn’t necessarily need to be a formal written contract in place. A verbal agreement or simply intent or understanding of an arrangement might be enough for someone to legally be considered a ‘worker’ under your state’s workers compensation legislation.
Each state and territory in Australia has different types of workers compensation schemes. For more information about workers compensation in your state, please visit our workers compensation section.
Yes, you can choose to pay monthly at no extra cost to help your business manage cash flow.
Insuring for business interruption
Would your business survive if you had to shut your doors?
1 You can save up to 10% on the Business Insurance 'base premium' when you first purchase online. The base premium doesn't include any government or statutory charges. You will only get a discount on your first year's premium. Discounts only apply until you reach your minimum premium, so your discount might be limited by your minimum premium. When we calculate your premium on renewal, we may also limit any increases or decreases by considering factors like your previous year’s premium. This online offer may be withdrawn at any time and is subject to the full terms and conditions.