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Business Insurance
Business Insurance Support
Due to the changing environment, our support measures have recently been updated.
- Option to defer premium payments for up to 6 months. Request by 31 December 2020
- No-fee refund on unused portion of cancelled policies
- Access a Policy Health Check to review your cover.
Learn more about this support below
Personal Accident and Sickness cover
Personal Accident and Sickness cover is no longer available for purchase to new and existing customers.
For existing customers who have Personal Accident and Sickness cover, the terms of your current coverage will continue to provide you with the Personal Accident and Sickness insurance for the remainder of your current policy term. The Personal Accident and Sickness insurance cover will be removed at the time of the renewal of your insurance policy.
There may be other insurance options available to suit your requirements; please refer to the Insurance Council of Australia for a list of alternative providers.
Choose the right cover to suit your business
- Choose the coverage for your business needs
- Insure your business against a wide range of events
- Claim online or over the phone.
Small Business Advantage Pack
A wide range of cover options that can be tailored to protect the operations, assets and individuals within your business.
- Provides coverage for small to medium business
- Offers cover for Public and Products Liability within Australia
- Get a quote and purchase your insurance cover online
- Quick and easy claims process
- Pay by the month.^
Trades and Services Pack
Insuring your business for Public and Products Liability, General Property and Commercial Motor can give you peace of mind and let you get on with the job. Important: Personal Accident and Sickness is unavailable for sale to new or existing customers
It also offers:
- A quick and easy claims process
- Pay by the month.^
Office Pack
Insurance designed for office based professionals with one easy package that can be tailored to your business.
It also offers:
- A quick and easy claims process
- Pay by the month.^
^ Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
| Small Business Advantage Pack | Trades and Services Pack | Office Pack | |
|---|---|---|---|
| Public and Product Liability Covers for amounts the business is legally liable to pay as compensation for personal injury, advertising liability and / or property damage occurring within Australia as a result of an occurrence in connection with the business |
Get a quote |
* Does not include Product Liability | |
General Property Cover provided for damage anywhere in the world to insured property such as portable tools and equipment used by the business at client sites or taken home by employees |
Get a quote |
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Material Damage (Optional Flood Cover) Covers property insured that is accidentally damaged which is not otherwise excluded |
Get a quote |
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| Business Interruption Covers the business for consequential loss of income and/or profits or revenue resulting from the interruption of / or interference with the business caused by a defined event
|
Get a quote |
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| Theft Covers property insured which can include contents and stock held at the business following forcible and violent entry, armed hold ups, assault or violence |
Get a quote |
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| Money Covers loss of money in transit, money on the situation, money in a locked safe and money in your personal custody while in a private residence until the closing time on the next business day |
Get a quote |
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Glass Covers accidental breakage of glass with several additional benefits |
Get a quote |
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| Machinery Breakdown Covers the costs of repairing or replacing machinery after a breakdown |
Get a quote |
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| Electronic Equipment Covers damage to insured computers and or electronic equipment which you have specified on the policy |
Get a quote |
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Management Liability Directors and Officers Liability Covers any of the directors and officers against a breach of duty, breach of trust, act, error or omission for a claim that is first made and reported to us during the period of insurance Employment Practices Liability Covers the business for claims made against you for a specific employment practices breach, such as discrimination, wrongful dismissal or sexual harassment. Tax Audit Covers the professional fees such as an accountant, reasonably and necessarily incurred within Australia in connection with an audit of the business' financial or tax affairs by an Australian statutory authority Crime Covers the loss of property due to the unlawful taking of property by an employee, with the intent to cause loss to your business or to benefit themselves or any other person or organisation |
Get a quote |
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| Transit Covers the business for damage to property insured while in transit anywhere in Australia |
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| Professional Indemnity Covers your business and any insured person against civil liability for damages arising from the provision of or failure to provide Professional Services |
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| Commercial Motor Covers your business vehicles with multiple cover options including comprehensive, fire and theft and third party property damage only |
How to Apply
To obtain a PDS or to find out more about business insurance options, call a business insurance specialist on 1800 812 133 Monday to Friday 9am - 5pm (Sydney Time).
For Small Business Advantage Pack get a quote and apply online
How to claim
To make a claim, call a business insurance specialist on 1800 812 133, 24 hours a day, 7 days a week.
To lodge your claim you'll need
- Policy information, including your policy number
- Information about the incident
- Where the damage occurred, people, vehicles and/or property involved.
Visit a branch
Support measures for Small Business Insurance customers impacted by COVID-19
The following measures have been put in place to support our existing small business policyholders who are experiencing financial hardship due to COVID-19. These measures are being provided by Allianz Australia Limited as the provider of this insurance. Terms and Conditions apply. Please find the eligibility criteria below at the bottom of this article.
Please note: Due to the changing environment, our support measures have recently been updated. If your insured business premises is currently unoccupied please read the following information carefully, as you may need to notify Allianz to maintain your cover.
Maintaining full cover for those needing to leave their premises vacant due to COVID-19. Available for Victoria until further notice. Available for all other states and territories until 8 October 2020.
We will maintain full cover for existing customers whose business premises are temporarily vacant due to COVID-19 for the time periods indicated below.
If your insured business premises are located in Victoria this support measure remains in place until further notice.
If your insured business premises are located in all other states or territories, excluding Victoria, this will be applied until 8 October 2020. If your premises remain vacant from 9 October 2020 you have 90 days to notify Allianz to ensure your cover remains unaffected. Please call 1800 812 133. If you do not notify Allianz PDS conditions will apply, including any applicable exclusion.
Deferring premium payments for up to six months for eligible customers experiencing financial hardship from the impact of Covid-19. Request by 31 December 2020.
If you are an existing customer, you have the option to defer the payment of your small business annual or monthly premium for up to six months, subject to eligibility criteria, to allow you to pay at a later date while maintaining your insurance coverage. This is available for request until 31 December 2020 and can only be requested once. If you need to make a claim during this time, the cost of your premium will be deducted from any claims payment.
You can read full eligibility criteria below.
Eligibility criteria for small business policyholders.
To be eligible for the relief measures, customers must meet ALL of the following elements:
1. Must be a current St.George Small Business Insurance policyholder;
2. Fall within the SME definition set out in the Interim Authorisation by the Australian Competition and Consumer Commission on 2 April 2020, namely that the small business must be an individual, partnership, company or trust:
- 20 employees or less (or less than 100 employees for manufacturing); and
- annual turnover less than $10 million.
3. Hold one of the following specified business insurance policies only (it does not apply to any other insurance policies you may hold):
- Business Pack, Small Business Advantage Pack, Office Pack
- Trades and Services Pack, Motor Trades Pack, Commercial Motor Insurance
4. Currently facing financial hardship as a result of COVID-19 as meeting one or more of the following guidelines:
- Business closed as a result of Federal, State or Territory Government directive in a key sector; or
- Business receiving the Job Keeper payments.
If any individual small business does not meet the criteria in 1 to 4 above, other hardship options may be available. Please contact us on 1800 812 133
To be eligible for flexible premium arrangements, small business policyholders must have a policy where the policyholder has elected to pay premiums:
- On an annual basis and is due for renewal on or before 31 December 2020; or
- On an instalment basis provided they request the flexible premium payments before 31 December 2020
- Not previously requested a deferral of premium payments.
How to apply
Important information
Business Insurance is issued by Allianz Australia Insurance Ltd ABN 15 000 122 850 (Allianz). St.George - a Division of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) refers clients to Allianz for their business insurance needs, but does not guarantee the insurance.
If you take out Business Insurance with Allianz, the Bank will receive a commission of 14% of the first year’s premium and 10% of the premium for any renewals (exclusive of GST) and may also receive a step-up commission based on annual sales of certain general insurance products by Allianz. Policy terms, conditions, limits and exclusions apply.
This information does not take into account your personal circumstances. Read the Product Disclosure Statement, to see if this insurance is right for you. Call 1800 812 133.
By clicking on Get a quote you will enter a third party site hosted by Allianz. Any personal information you provide to Allianz’s hosted site will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy.
St.George's Privacy Policy is available at stgeorge.com.au or by calling 13 33 30. It covers:
- How you can access the personal information St.George holds about you and ask for it to be corrected;
- How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by St.George and how St.George will deal with your complaint; and
- How St.George collect, hold, use and disclose your personal information in more detail.
© St.George Bank - a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714