Allianz business insurance provides tailored coverage to more than 3 million local Australian businesses.
They work with businesses both big and small, providing workers compensation services to around 25% of Australian employees and insurance to over 50% of the top 200 BRW-listed companies.
They offer a wide range of insurance and risk management products including public liability, small business insurance, workers compensation, commercial and corporate insurance.
Allianz Business Insurance provides cover for more than 3000 different small business occupations. Some of the included cover that's available includes:
Commercial Property. Covers replacement or reinstatement of damaged contents and stock as well as the building itself.
Business Interruption. Covers consequential loss resulting from interruption of your business operations and offers annual gross revenue protection, with the option to increase the coverage amount.
Theft. Covers the loss of valuable items stored at your premises and includes a range of cover limits for contents and tobacco cover.
Glass. Covers breakages at your premises of internal and/or external glass.
Money. Covers money in transit and on your premises during business hours, with a choice of coverage options.
General Property. Covers tools of trade and electronic equipment while away from your premises within Australia, with the option to cover stock as well.
Electronic Equipment. Covers the cost to repair or replace electronic equipment including computers in case they breakdown.
Commercial Vehicle Insurance. This covers you or your employees for accidental damage to third party property if you're in a road accident while working.
Goods in Transit. This covers your stock from accidental damage, fire or theft while being transported (in transit).
Management Liability. This covers directors, officers or employees for alleged wrongful acts which can include: Directors and Officers Liability, Employment Practices Liability, Crime and Tax Audit.
Machinery Breakdown. This covers costs to repair or replace your business machinery if it breaks.
Make sure you read the PDS
2022 Finder research shows that 23% of Australians can't be bothered reading the PDS. A PDS includes a comprehensive list of all the inclusions and exclusions of a policy. Make sure you are covered for what you actually need.
Public and Products Liability cover from Allianz
Every business needs Public and Products Liability Insurance to protect themselves against claims of personal injury and property damage to third parties in connection with your business or the products you sell.
Allianz Business Insurance Public Liability cases can result in millions of dollars in damages being awarded, which is why Allianz Business Insurance offers a choice of $5 million, $10 million or $20 million limit of indemnity.
False arrest, wrongful detention or imprisonment and malicious prosecution
Wrongful eviction
Assault or battery
Libel, slander, defamation of character or invasion of privacy.
Third party property damage includes:
Loss or destruction of tangible property
The loss of use of tangible property due to damage to other tangible property.
Allianz Commercial and Corporate Insurance
Allianz Business Insurance offers a range of insurance products designed to meet the needs of commercial and corporate businesses. These include:
Business Pack
Trades and Services Pack
Farm Pack
Crop Insurance
Property
Risk Finance
Commercial Motor and Fleet
Professional Indemnity
Construction Liability
Marine
Transport and Machinery.
What does Allianz Workers Compensation cover?
Workers compensation operates under complex state-based legislation. Allianz Workers Compensation aims to make workers compensation easier to navigate and understand, from how to proceed if an accident happens to knowing what to expect once a claim is accepted. Allianz Workers Compensation cover can include:
Contacting you or your employee about how to proceed with a claim.
Providing you with a case manager to support you or your worker through their recovery.
If a claim is accepted, you will generally receive payments in line with your usual pay cycle.
Assisting you in finding the right medical help, including rehabilitation.
Reimbursing you or your worker for medical costs or paying the medical provider directly.
Speak with a broker about getting business insurance with Allianz
Receive a Quote for Business Insurance
If you are ready to speak with a consultant about different business insurance options available, simply enter your details in the form. Keep reading if you want to learn more about the different types of cover available.
Why do I need to speak to a broker to get a quote? finder.com.au works with a qualified broker to get quotes for Allianz Business Insurance. A broker can take you through the application process and help you with any back and forth with an insurer if you need to make a claim.
FAQs
Yes. Allianz offers the option to pay business insurance premiums in monthly instalments to help with cash flow. Unlike many other insurers, Allianz typically offers this service without charging extra interest or fees on standard business pack policies, though you should confirm this on your specific quote.
You will receive your Certificate of Currency instantly via email once your purchase and payment are completed. This provides immediate proof of insurance for contracts, tenders or site access requirements.
Yes. Allianz partners with Coalition to provide active cyber insurance for Australian small businesses. While the policy is backed by Allianz's financial security, it is managed through Coalition's platform, offering 24/7 incident response, continuous vulnerability monitoring, and automated security alerts to help prevent breaches before they occur.
Yes, public liability cover is automatically included when you generate a business insurance quote through the Allianz website. If you require a quote without this specific cover, you must contact their specialist business team via phone.
The fastest way to lodge a claim is through the Allianz online claims portal which is available 24 hours a day. Alternatively, you can lodge a claim over the phone by calling 13 10 13 for property damage or motor vehicle incidents.
Yes, you can include general property cover in your policy to protect mobile items such as tools and electronic equipment from theft or damage anywhere in Australia. You should ensure that the sum insured accurately reflects the total value of the items you carry.
James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146).
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