AIG business insurance provides cover for small and medium-sized business, so you can reduce your exposure to risk, and recover faster if something unexpected does happen.
Customers have the ability to customise their insurance, to create a tailor-made policy.
AIG insurance packages offer all the essentials, including cover for damage, business interruption, liability, theft, and more.
AIG business insurance - features and benefits
As a major insurer with a long history in the industry, AIG has a lot to offer prospective business customers and professionals.
Financial strength. With over 90 million customers worldwide, AIG is a sound financial institution backed by industry accreditation.
Local knowledge. With offices in Sydney, Melbourne, Brisbane and Perth, AIG's Australian staff understand your particular business needs.
Comprehensive coverage. Because AIG has one of the most extensive ranges of products and services to cater for your business insurance needs.
Small business options. AIG has specific policies for small to medium businesses, such as their My Business My Choice package, which offers a complete insurance solution for SMEs.
What types of business cover does AIG offer?
AIG Business Insurance includes a product for various risks that a business might be exposed to. It can provide tailored cover for industries including aviation, construction, financial services, hospitality and tourism, manufacturing, retail and more. Some of the business products they offer include:
Accident and Health. Cover includes group injury and sickness insurance to protect employees.
Liability. This can cover you for the legal defence and compensation costs that can follow an accident or injury caused by your business.
Crisis. Cover for recall costs, replacement costs, business interruption and more.
Environmental. Cover for pollution legal liability and environmental liabilities arising from new pollution conditions.
Financial Lines. This includes a broad range of products including crime insurance, cyber insurance, kidnap and ransom insurance and more.
Marine. Tailored marine insurance for importers and exporters with loss control engineering, recovery support and more.
Mergers and Acquisitions. Cover for litigation buyout, tax liability and more.
Political Risk. cover for a wide range of overseas business activities including equity investments, cross-border loans and contracts for goods and services.
Commercial Property. Cover against losses arising from damage to your company's physical assets, business interruption and more.
SME Solutions. Packaged cover for Small and Medium sized (SME) businesses.
Multinational. A multinational programme with tailored Insurance solutions.
Fronting and Captive Services. This is a customised solutions service for business with complex risks that are not sufficiently addressed by traditional insurance products.
Make sure you read the PDS
2022 Finder research shows that 23% of Australians don't read the insurers' PDS.
Can AIG cover small businesses?
AIG Insurance offers cover to meet the unique needs of small and medium Australian businesses.
AIG offers it's SME (Small to medium enterprise) solutions. This product is designed to reduce the chance of your business suffering a loss, and to help you recover as quickly as possible if something does go wrong. Rather than a one-size-fits-all solution, AIG can tailor a policy to protect against the specific risks faced by your business, and offer a professional and efficient claims handling service.
AIG Small Business Insurance is designed for Australian businesses with up to $10 million worth of assets per location and up to $20 million in turnover. It offers a wide range of coverage options including:
Yes. AIG offers professional indemnity insurance (as part of it's financial lines product) designed to cover professionals and businesses in instances of negligence or professional misconduct. Policies can be tailored to suit professionals across a range of industries and businesses small or large. This includes jobs such as:
sole traders
architects
accountants
brokers
consultants
travel agents
engineers
instances of defamation, fraud or dishonesty
wrongful errors, acts or omissions
lost documents
professional misconduct
FAQs
No, AIG Australia primarily distributes its commercial and business insurance products through licensed insurance brokers rather than selling directly to the public online. This model ensures that businesses receive professional advice to tailor policy limits and exclusions to their specific industry risks.
Yes, AIG CyberEdge provides 24/7 access to an expert cyber-incident response team that offers forensic, legal and public relations support in the event of a data breach. This service helps businesses contain the security failure and manage the legal obligations associated with notifying affected individuals.
Under the AIG My Business Pack policy wording, you are given an extended 21-day cooling-off period from the date your cover commences. While many commercial business policies across Australia offer no cooling-off window at all, AIG allows this 21-day buffer to cancel for a full refund, provided you have not lodged a claim or exercised any rights under the policy.
Yes, AIG offers a product called PrivateEdge that provides small and medium-sized businesses with management liability cover equivalent to the protection usually reserved for large corporations. This package can include directors' and officers' liability, employment practices liability and crime protection.
Yes, AIG includes tax audit cover as an option within its management liability policies to help businesses pay for the professional fees resulting from a government audit. This cover is intended to mitigate the financial impact of hiring accountants or legal experts to respond to official investigations.
No, AIG Australia does not offer a standalone insurance package exclusively for the wine and viticulture sector. Instead, wineries, grape growers, and beverage exporters can secure protection by customizing an AIG Business Package Solutions policy. Through tailored endorsements, a broker can map generic property, public liability, and marine transit modules to cover localized viticulture risks like stock contamination and transit exposures.
Alex Reid is Finder’s business insurance cadet. He has a Master of Marketing from the University of Technology Sydney, with a background in business and sales. When not writing about business insurance for Finder he's a keen scuba diver, recently completed his 200th hour underwater and his PADI Divemaster certification. Before working at Finder he lived in Hangzhou China, where he studied Mandarin and Chinese culture.
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Can I get a quote for PI insurance and Public Liability insurance for a Sole trader working as a Design and Building Consultant
Finder
SarahJuly 9, 2025Finder
Hi Tony,
AIG is not currently a partner with us, but you can contact them directly for a quote. Or, you can see a number of options for business insurance here. Hope this helps!
Liability insurance is a broad term that describes a few types of business insurance cover. The type you need will depend on the nature of your business.
Find protective cover for volunteer workers from Australian insurance brands. Find out what is covered and excluded under voluntary workers insurance.
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Can I get a quote for PI insurance and Public Liability insurance for a Sole trader working as a Design and Building Consultant
Hi Tony,
AIG is not currently a partner with us, but you can contact them directly for a quote. Or, you can see a number of options for business insurance here. Hope this helps!